Community-Based Health Insurance (CBHI) in Rwanda was promulgated as the best alternative to address the financial barriers for accessibility to health care services for the poor population and the informal sector. The purpose of this study was to investigate whether CBHI reduce Out-of-pocket health expenses for their members as compared to non-members and to what extent CBHI provide financial protection for the poorest population. This research based itself on secondary source of data primarily collected for a prospective quasi-experimental design which evaluated the impact of Performance-Based Financing. The primary study had reported on the Out-Of-Pocket expenses for health by members and non-members of CBHI; residing in a sample of 1961 households; in addition to their demographics and socio-economic characteristics. The findings indicate that insured individuals were about 2.6 times more likely to utilize health care services than respondents without health insurance. It is also worth noting that households with health insurance coverage were less likely to experience a catastrophic health expenditure than households without health insurance (aOR: 0.744; 95% CI:[0.586 - 0.945]), and that the effect of health insurance coverage was higher in people living in poor households than in people living in middle or richer households / Health Studies / M.A. (Public Health)

Community-Based Health Insurance (CBHI) in Rwanda was promulgated as the best alternative to address the financial barriers for accessibility to health care services for the poor population and the informal sector. The purpose of this study was to investigate whether CBHI reduce Out-of-pocket health expenses for their members as compared to non-members and to what extent CBHI provide financial protection for the poorest population. This research based itself on secondary source of data primarily collected for a prospective quasi-experimental design which evaluated the impact of Performance-Based Financing. The primary study had reported on the Out-Of-Pocket expenses for health by members and non-members of CBHI; residing in a sample of 1961 households; in addition to their demographics and socio-economic characteristics. The findings indicate that insured individuals were about 2.6 times more likely to utilize health care services than respondents without health insurance. It is also worth noting that households with health insurance coverage were less likely to experience a catastrophic health expenditure than households without health insurance (aOR: 0.744; 95% CI:[0.586 - 0.945]), and that the effect of health insurance coverage was higher in people living in poor households than in people living in middle or richer households / Health Studies / M.A. (Public Health)

Après des années d’efforts, l’Afrique Sub-saharienne n’a connu qu’une faible amélioration de ses indicateurs de santé maternelle. Assurer l’accès aux soins obstétricaux d’urgence (SOU) pour toutes les femmes est une stratégie efficace pour réduire la mortalité maternelle. Cependant, ces soins sont dispendieux et ces dépenses peuvent être « catastrophiques ». Afin d’en réduire le fardeau, le Mali a instauré la gratuité de la césarienne et un système de référence-évacuation. L’objectif de cette étude est d’examiner la prévalence et les facteurs contribuant aux dépenses catastrophiques liées aux SOU dans la région de Kayes, Mali. Elle vise aussi à étudier les conséquences socioéconomiques de ces dépenses au sein des ménages. L’étude a révélé que les dépenses lors d’urgences obstétricales sont en moyenne de 71535 FCFA (US$ 152). Entre 20.7% et 53.5% des ménages ont encouru des dépenses catastrophiques supérieures à 15% et 5% de leur revenu annuel respectivement. Les ménages de femmes sans éducation, du milieu rural et ayant souffert d’infection post-partum sont les plus à risque d’encourir des dépenses catastrophiques. La césarienne n’est pas associée à une probabilité réduite de dépense catastrophique malgré la gratuité. Faire des dépenses élevées ne garantie pas la survie de la mère puisque entre 19,4% et 47,1% des décès maternels ont encouru des dépenses catastrophiques. Enfin, les ménages s’endettent et vendent fréquemment des biens pour faire face aux dépenses ce qui créé des difficultés financières importantes à long terme. La création de nouvelles politiques de financement sera nécessaire à l’amélioration de la santé maternelle au Mali. / After years of efforts, countries in sub-Saharan Africa have seen little to no improvement in their maternal health indicators. Ensuring access to emergency obstetric care (EmOC) for all women is a strategy proven to reduce maternal mortality. However, EmOC in sub-Saharan Africa can be extremely costly and can generate ‘’catastrophic’’ expenses. In order to reduce the economic burden of EmOC in Mali, user fees for caesareans were abolished and a maternity referral-system was created. The aim of this study is to investigate the incidence of and the factors associated with catastrophic EmOC expenditure in the region of Kayes, Mali. It also aims to identify the well-being consequences of high EmOC expenses. This study brings forth the following points. Firstly, the average EmOC expenditure was 71535 FCFA (US$ 152). Secondly, between 20.7% and 53.5% of households faced catastrophic expenditures greater than 15% and 5% of their annual income respectively. Women with no education, living in rural areas and with a postpartum infection had a higher propensity of catastrophic spending. Having a caesarean was not associated with a reduced risk of catastrophic expenditures despite the abolition of user fees for caesareans. Between 19.4% and 47.1% of households of maternal deaths also had catastrophic spending. Finally, households often had to borrow money and sell assets to pay for EmOC which led to considerable long-lasting financial difficulties. As long as policies fail to protect households from catastrophic EmOC expenditures, we cannot expect to see any great progress in reducing maternal mortality in Mali.

Après des années d’efforts, l’Afrique Sub-saharienne n’a connu qu’une faible amélioration de ses indicateurs de santé maternelle. Assurer l’accès aux soins obstétricaux d’urgence (SOU) pour toutes les femmes est une stratégie efficace pour réduire la mortalité maternelle. Cependant, ces soins sont dispendieux et ces dépenses peuvent être « catastrophiques ». Afin d’en réduire le fardeau, le Mali a instauré la gratuité de la césarienne et un système de référence-évacuation. L’objectif de cette étude est d’examiner la prévalence et les facteurs contribuant aux dépenses catastrophiques liées aux SOU dans la région de Kayes, Mali. Elle vise aussi à étudier les conséquences socioéconomiques de ces dépenses au sein des ménages. L’étude a révélé que les dépenses lors d’urgences obstétricales sont en moyenne de 71535 FCFA (US$ 152). Entre 20.7% et 53.5% des ménages ont encouru des dépenses catastrophiques supérieures à 15% et 5% de leur revenu annuel respectivement. Les ménages de femmes sans éducation, du milieu rural et ayant souffert d’infection post-partum sont les plus à risque d’encourir des dépenses catastrophiques. La césarienne n’est pas associée à une probabilité réduite de dépense catastrophique malgré la gratuité. Faire des dépenses élevées ne garantie pas la survie de la mère puisque entre 19,4% et 47,1% des décès maternels ont encouru des dépenses catastrophiques. Enfin, les ménages s’endettent et vendent fréquemment des biens pour faire face aux dépenses ce qui créé des difficultés financières importantes à long terme. La création de nouvelles politiques de financement sera nécessaire à l’amélioration de la santé maternelle au Mali. / After years of efforts, countries in sub-Saharan Africa have seen little to no improvement in their maternal health indicators. Ensuring access to emergency obstetric care (EmOC) for all women is a strategy proven to reduce maternal mortality. However, EmOC in sub-Saharan Africa can be extremely costly and can generate ‘’catastrophic’’ expenses. In order to reduce the economic burden of EmOC in Mali, user fees for caesareans were abolished and a maternity referral-system was created. The aim of this study is to investigate the incidence of and the factors associated with catastrophic EmOC expenditure in the region of Kayes, Mali. It also aims to identify the well-being consequences of high EmOC expenses. This study brings forth the following points. Firstly, the average EmOC expenditure was 71535 FCFA (US$ 152). Secondly, between 20.7% and 53.5% of households faced catastrophic expenditures greater than 15% and 5% of their annual income respectively. Women with no education, living in rural areas and with a postpartum infection had a higher propensity of catastrophic spending. Having a caesarean was not associated with a reduced risk of catastrophic expenditures despite the abolition of user fees for caesareans. Between 19.4% and 47.1% of households of maternal deaths also had catastrophic spending. Finally, households often had to borrow money and sell assets to pay for EmOC which led to considerable long-lasting financial difficulties. As long as policies fail to protect households from catastrophic EmOC expenditures, we cannot expect to see any great progress in reducing maternal mortality in Mali.

La cobertura en salud hacia toda la población peruana es el principal objetivo del sistema sanitario nacional. Su mal manejo en las inversiones destinadas para alcanzar este objetivo, demuestran poca efectividad. Debido a esto, la población multidimensionalmente pobre queda vulnerable ante cualquier eventualidad que afecte su salud y se ve más propensa a incurrir en gastos de bolsillo que finalmente terminarán siendo catastróficos, para acceder a los servicios médicos correspondientes. En este contexto, estos gastos son preocupantes, ya que a largo plazo empeoran el bienestar del hogar. Para hacer un análisis más exhaustivo, primero se elaborará el Índice de Pobreza Multidimensional. Seguido, por un modelo de variable binaria que ayudará a estimar la regresión final y definirá la relación que existe entre pobreza multidimensional y gasto catastrófico en salud. Otras variables usadas que explican este gasto son: género, ocupación, afiliación a algún seguro, estado civil, nivel educativo y presencia de miembros vulnerables a enfermarse. Los resultados obtenidos demuestran que este gasto catastrófico sí es más probable a ocurrir en aquellos hogares multidimensionalmente pobres respecto a los multidimensionalmente no pobres. Esto, resalta la importancia del Estado por elaborar políticas y/o gestionar programas que protejan la salud de la población sobre todo la más vulnerable, con la finalidad de mejorar el crecimiento y desarrollo del país. / Health coverage for the entire Peruvian population is the main objective of the national health system. Their mismanagement of investments destined to achieve this objective, show little effectiveness. Due to this, the multidimensionally poor population is vulnerable to any eventuality that affects their health and is more prone to incur out-of-pocket expenses that will ultimately end up being catastrophic, to access the corresponding medical services. In this context, these expenses are worrying, since in the long term they worsen the well-being of the household. For a more comprehensive analysis, the Multidimensional Poverty Index will first be developed. Followed by a binary variable model that will help estimate the final regression and define the relationship between multidimensional poverty and catastrophic health spending. Other variables used to explain this expense are: gender, occupation, affiliation to some insurance, marital status, educational level, and presence of members vulnerable to becoming ill. The results obtained show that this catastrophic expenditure is more likely to occur in multidimensionally poor households than in multidimensionally nonpoor ones. This highlights the importance of the State to develop policies and / or manage programs that protect the health of the population, especially the most vulnerable, in order to improve the growth and development of the country. / Trabajo de investigación