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Does health insurance coverage improve maternal healthcare services utilization in India? Evidence from National Family Health Survey-5, 2019–21

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Abstract

Objective

Universal health coverage and maternal health outcomes have become a part of the global health agenda in low and middle-income countries including India. To achieve the sustainable development goals (SDG-3), maternal healthcare services utilization is a significant intervention in decreasing maternal mortality and morbidity. This study aims to assess the potential association between health insurance coverage (HIC) and maternal healthcare services utilization in India.

Methods

Data was obtained from the fifth round of the National Family Health Survey (NFHS-5), conducted during 2019–21. Bivariate, spatial analysis and logistic regression models have been used to assess association between utilization of maternal healthcare services and HIC combined with other background factors in India.

Results

HIC among women was found to be 24%. Approximately 59%, 90% and 46% of women had full antenatal care (ANC) visits, skilled birth attendant (SBA) and post-natal care (PNC), respectively. The study results suggested that individuals with HIC were more likely to have ANC visits (OR = 1.28; 95% CI 1.25–1.31), SBA (OR = 1.41; 95% CI 1.36–1.46) and PNC (OR = 1.16; 95% CI 1.13–1.18) services, respectively. Moreover, socioeconomic characteristics and other predictor variables were significantly associated with maternal healthcare service utilization in India.

Conclusion

The study concludes that HIC is a significant predictor for the maternal and child healthcare services in India, and women with HIC were more likely to have full ANC visits, SBA and PNC. Overall, to accelerate the progress towards achieving SDGs related to maternal and child health, the government should expand and strengthen the existing policies to increase coverage of health insurance.

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Data availability

The data of a particular study is available in the public domain and can be extracted from: https://dhsprogram.com/Data/

Code availability

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Abbreviations

ANC:

Ante-natal care

DHS:

Demographic Health Survey

HIC:

Health insurance coverage

JSY:

Janani Suraksha Yojana

LMICs:

Low and middle-income countries

MDGs:

Millennium Development Goals

MMR:

Maternal mortality ratio

NFHS:

National Family Health Survey

PNC:

Post-natal care

SBA:

Skilled birth Attendant

SDG:

Sustainable Development Goals

WHO:

World Health Organization

References

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Acknowledgements

We sincerely thank the IIPS Director and Principle Investigators of the NFHS project. We also thank all reviewers and the editorial board of this journal.

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Authors and Affiliations

Authors

Contributions

All the authors contributed significantly to this paper. The research idea, conceptualization and study design: RDP and KG; Collected data and analysed the data: KG and RDP; Gathered material and wrote the manuscript: KG, RDP and NS; Refined and finalized the manuscript: NS and RDP.

Corresponding author

Correspondence to Ravi Durga Prasad.

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Ethics approval

There is no formal ethics approval required for this particular study since the study is based on secondary data and the survey data is available in the public domain.

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Conflict of interest

The authors declare that they have no conflicts of interest.

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Prasad, R.D., Ghosh, K. & Shri, N. Does health insurance coverage improve maternal healthcare services utilization in India? Evidence from National Family Health Survey-5, 2019–21. J Public Health (Berl.) (2023). https://doi.org/10.1007/s10389-023-01960-y

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  • DOI: https://doi.org/10.1007/s10389-023-01960-y

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