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Table 2 Association between health insurance and healthcare utilization amongst people with disabilities in LMICs

From: Access to health insurance amongst people with disabilities and its association with healthcare use, health status and financial protection in low- and middle-income countries: a systematic review

 

Studies

Country

Health Insurance

Disability (measurement)

Healthcare utilization (recall period)

Results (insured vs uninsured)

Association (insured vs uninsured)

Risk of bias

General healthcare utilization

Chen & Ning (2022) [96]

China

Long-term care insurance, Public

All types (Barthel Index – ADL function)

1. Outpatient visit (last month)

2. Number of hospitalizations (last year)

3. Inpatient length of stay (last year)

1. Reduced by 0.322 times (P < 0.01)

2. Reduced by 0.158 times (P < 0.01)

3. Reduced by 1.441 days (P < 0.01)

Negative

Low

Mai (2022) [82]

China

Any health insurance

All types (ADL)

Access to healthcare services (unclear)

OR 1.2 (0.73–1.97)

Null

Low

Palmer (2012) [74]

Vietnam

Compulsory health insurance, Public

All types (self-reported yes/no)

1. Public inpatient services (12 months)

2. Public outpatient services (1 month)

Regression coefficient

1. -0.002 SE 0.011 P > 0.1

2. 0.045 SE 0.014 P < 0.01

Positive

Medium

Palmer (2014) [88]

Vietnam

Social health insurance, Public

All types (Washington Group Short Set)

1. Inpatient (last 12 months)

2. Outpatient (last 1 month)

3. Self-treatment (last 1 month)

Results from PSM

1. 0.093 (P < 0.01)

2. 0.034 (P > 0.1)

3. 0.033 (P > 0.1) Covariate matching

1. 0.111 (P < 0.01)

2. 0.107 (P < 0.01)

3. -0.042 (P < 0.01)

Mixed

Low

Shiwakoti et al. (2021) [89]

Ilam District, Nepal

Any health insurance, no informatio

All types (Washington Group Short Set)

Utilization of sexual and reproductive health services (unclear)

Crude OR: 1.2 (0.60 – 2.31)

Null

High

 

Studies

Country

Health Insurance

Disability (measurement)

Healthcare utilization (recall period)

Results (insured vs uninsured)

Association (insured vs uninsured)

 

Disability-related healthcare utilization

Contentti (2019)

12 Latin America countries

Any health insurance

Physical -Multiple sclerosis (clinical diagnosis)

1. Disease-Modifying Therapy (DMT) past 12 months

2. MRI for diagnosis (lifetime)

3. Evoked Potential (lifetime)

4. Lumbar puncture (lifetime)

5. Rehabilitation (unclear)

Uninsured vs insured

1. 90.9% vs 85.3%, P: 0.90

2. 98.7% vs 98.7%, P:1

3. 73.7% vs 76.6%, P: 0.42

4. 106 (67.9) vs 898 (68.3), P: 0.92

5. 35 (22.4%) vs 239 (18.2%), P: 0.19

Null

Low

El Sayed (2015)

48 LMICs

Any health insurance

Mental (self-reported diagnosis)

Treatment uptake of persons with schizophrenia or depression (lifetime)

Uninsured vs insured Schizophrenia

1. Male: 0.75 (0.51–1.11)

2. Female: 0.57 (0.47–0.69)

Depression

1. Male: 0.59 (0.37–0.92)

2. Female: 0.93 (0.80–1.08)

Positive

Low

Fan (2022)

China

Long-term care insurance, Public

All types (ADL, disability defined > 1 limitation)

Unmet LTCI needs (unclear)

PSM- Difference-in-Difference (DiD) coefficient:

-0.107, SE: 0.05, P < 0.05

Positive

Low

Guo (2015) [80]

China

Any health insurance

All types (physician diagnosis using ICD-10, ICF, WHO-DAS)

Healthcare utilization: curative care including surgeries and pharmaceutical treatments, auxiliary aids including assistive devices and services, and rehabilitation (unclear)

Uninsured vs insured

OR 0.80 (0.74–0.87)

Positive

Medium

Guo (2017) [81]

China

Medical insurance, Any health insurance

Mental (clinical diagnosis based on ICF, and ICD-10)

Mental health service utilization (lifetime)

AOR: 1.45 (1.21–1.72), P < 0.001

Positive

Medium

Li (2013) [92]

China

Medical insurance, Any health insurance

Mental (clinical diagnosis using ICD-10 and WHO-DAS 2)

1. Any mental health services

2. Medical-pharmaceutical (unclear)

3. Rehabilitation (unclear)

4. Medical and rehabilitation (unclear)

AOR

1. 1.39 (1.24–1.55)

2. 1.39 (1.24–1.56)

3. 1.10 (0.67–1.81)

4. 1.38 (1.12–1.70)

Positive

Medium

Machnicki (2011) [93]

Argentina

Private health insurance, Private

Mental – depression (clinical diagnosis, DSM IV and ICD-10)

Not receiving depression treatment – antidepressant (unclear)

Uninsured vs insured

AOR: 7.12 (1.88 – 26.86)

Positive

High

Medeiros (2021) [83]

Brazil

Any health insurance

All types (Self-reported yes/no)

Experience of attending at least one rehabilitation service (lifetime)

APR: 1.31 (1.15–1.49) P < 0.001

Positive

Medium

Nartey (2018)

Ghana

Social Health Insurance, Public

Mental (clinical diagnosis)

The use of mental health services as initial point of care – biomedical vs faith-based (unclear)

AOR 2.47 (0.60 – 10.11) P: 0.20

Null

High

Nattaj (2017) [94]

Iran

Public

Mental (clinical diagnosis)

Length of hospitalization – days staying at hospital (lifetime)

RR: 0.71 (0.59 – 0.84) P < 0.001

Negative

High

Shi (2019) [86]

China

Urban social insurance for workers, Public

Mental—(clinical diagnosis based on ICD-10)

Mental health service utilization (2013–2016) Self-pay vs urban social insurance for workers

1. Community health centre vs specialty health centre

2. Secondary vs specialty hospital

3. Tertiary vs specialty hospital

uninsured vs insured

AOR (95% CI)

1. 29.49 (16.16 – 53.81) P < 0.0001

2. 3.49 (2.46 – 4.95) P < 0.0001

3. 9.82 (7.04 – 13.71) P < 0.0001

Positive

Medium

Shi (2019) [86]

China

Urban social insurance for citizens, Public

Mental—(clinical diagnosis based on ICD-10)

Mental health service utilization (2013–2016)

1. Community health centre vs specialty health centre

2. Secondary vs specialty hospital

3. Tertiary vs specialty hospital

Urban social insurance for citizens vs urban social insurance for workers (more generous)

1. 4.01 (1.99 – 8.07) P < 0.0001

2. 0.99 (0.59 – 1.68) P: 0.992

3. 3.14 (1.83 – 5.37) P < 0.0001

Positive

Medium

Zhang (2018) [95]

China

Urban Employee Basic Medical Insurance (UEBMI), Public

Mental – schizophrenia (clinical diagnosis based on ICD-10)

Mental health service use based on claim 2010–2014

1. Total cost of service use

2. Inpatient

3. Outpatient

Measured at baseline, first, second and third year follow up

UEBMI (more generous) vs URBMI:

Baseline

1. 42,543.1 vs 41,143.0 P: 0.021

2. 42,375.1 vs 40,917.3 P: 0.018

3. 168.0 vs 225.7 P: 0.031

Third year

1. 60,163.7 vs 51,875.6 P < 0.001

2. 60,145.2 vs 51,804.5 P < 0.001

3. 18.4 vs 71.1 P: 0.069

Positive

Low

  1. Abbreviations: APR Adjusted Prevalence Ratio, AOR Adjusted Odds Ratio, RR Risk Ratio, DiD Difference-in-difference, PSM Propensity Score Matching
  2. Positive: Among people with disabilities, the insured have higher healthcare utilization than those uninsured. Mixed results of positive and null are categorized as positive
  3. Negative: Among people with disabilities, the insured have lower healthcare utilization than those uninsured. Mixed results of negative and null are categorized as negative
  4. Null: There is no difference in healthcare utilization between the insured and uninsured people with disabilities
  5. Mixed: There is more than one measure showing positive and negative associations