The Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal: A Randomized Evaluation
12:00 - 13:00
Authors: Jacopo Bonan, Olivier Dagnelie, Philippe LeMay-Boucher, Michel Tenikue
Mutual health organizations (MHOs) have been present in the city of Thiès in Senegal for years. Despite their benefits, in some areas take-up rates remain low. We offer an insurance literacy module, which communicates the benefits of health microinsurance and the functioning of MHOs to a randomly selected sample of households in the city of Thiès. The effects of this training and three cross-cutting marketing treatments, are evaluated using a randomized control trial. The results from our various marketing treatments indicate that although liquidity constraints significantly reduce demand, they have a positive and significant effect on health insurance adoption, increasing take-up by around 35%. The insurance literacy module has a negligible impact on the take up decisions and we attempt to provide different contextual reasons for this result.