Estimating rural households’ willingness to pay for health insurance

  • Ali AsgaryEmail author
  • Ken Willis
  • Ali Akbar Taghvaei
  • Mojtaba Rafeian
Original Paper


In many developing countries limited health budgets are a serious problem. Innovative ways to raise funds for the provision of health services, for example, through health care insurance, have a high priority. Health care insurance for rural households shields such patients from unexpected high costs of care. However, there are questions about whether, and how much, rural households are willing to pay to purchase such insurance, as well as the factors determining willingness to pay. In recent years the Iranian government has tried to improve health and medical services to rural areas through a health insurance program. This study was conducted to estimate rural households’ demand and willingness to pay for health insurance. A contingent valuation method (CVM) was applied using an iterative bidding game technique. Data has been collected from a sample of 2,139 households across the country.


Health insurance Contingent valuation method Iran, rural health Willingness to pay 



This study was financially supported by the Health Care Insurance Organization of Iran and was carried out at the Economic Research Institute at Tarbiat Modares University, Tehran, Iran.

Conflict of interest:

No information supplied.


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Copyright information

© Springer-Verlag 2004

Authors and Affiliations

  • Ali Asgary
    • 1
    • 4
    Email author
  • Ken Willis
    • 2
  • Ali Akbar Taghvaei
    • 3
  • Mojtaba Rafeian
    • 3
  1. 1.Department of Applied Disaster and Emergency StudiesBrandon UniversityBrandonCanada
  2. 2.School of Architecture, Planning and Landscape University of Newcastle upon TyneUK
  3. 3.Department of Urban and Regional PlanningTarbiat Modarres UniversityTehranIran
  4. 4.Department of Applied Disaster and Emergency Studies, Faculty of ScienceBrandon UniversityBrandonCanada

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