Publication: Análisis del gasto de bolsillo en salud en Perú
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2018-10-09
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Universidad Complutense de Madrid
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Abstract
Perú está implementando una política de aseguramiento universal en el sector salud para mejorar el acceso y proveer protección financiera a su población. El eje central de su política es la expansión del aseguramiento a través del seguro público focalizado a la población pobre y vulnerable. A pesar de la expansión del aseguramiento en los últimos años persiste un alto nivel de financiamiento a través del gasto de bolsillo en salud de los hogares, que se traduce un riesgo financiero. Paralelamente, permanece el reto de asegurara la población de clase media que no tiene la opción de la seguridad social en salud por el alto nivel de informalidad del mercado laboral.La investigación realiza un análisis del comportamiento del gasto de bolsillo en salud en Perú, en especial de los grupos que salen de pobreza identificando los determinantes que llevan a que los hogares prefieran el gasto de bolsillo al aseguramiento e identificar aquellos aspectos de las recientes reformas que no generan la respuesta positiva de la población hacia un mayor aseguramiento. Para tales efectos, se utiliza una base de datos panel que permite hacer el seguimiento de los hogares durante cinco años, para entender cómo su comportamiento frente a los problemas de salud va cambiando con los cambios en las condiciones de los hogares...
Peru is implementing a policy of universal health insurance to improve access to healthservices and to provide financial protection to its population. The main mechanism of thispolicy is the expansion of health insurance coverage through the public insurer that targetsthe poor and vulnerable populations. In spite of the population coverage expansion ofrecent years, there remains a persistent high level of financing through out-of-pockethealth spending, which implies financial risks for households. Also, there is still thechallenge of insuring the middle class that does not have the option of health socialsecurity due to the high level of informality in the labor market.This thesis presents an analysis of the behavior of out-of-pocket health expenditures inPeru, concentrating in the population group that emerge from poverty. It identifies thedeterminants that lead households to prefer out-of-pocket spending over buying insuranceand the recent policy reforms that are not providing the positive response to increasedhealth insurance. The analysis uses panel data that allows to follow households during afive-year period to analyze how the behavior towards health problems changes with theirchanging household conditions...
Peru is implementing a policy of universal health insurance to improve access to healthservices and to provide financial protection to its population. The main mechanism of thispolicy is the expansion of health insurance coverage through the public insurer that targetsthe poor and vulnerable populations. In spite of the population coverage expansion ofrecent years, there remains a persistent high level of financing through out-of-pockethealth spending, which implies financial risks for households. Also, there is still thechallenge of insuring the middle class that does not have the option of health socialsecurity due to the high level of informality in the labor market.This thesis presents an analysis of the behavior of out-of-pocket health expenditures inPeru, concentrating in the population group that emerge from poverty. It identifies thedeterminants that lead households to prefer out-of-pocket spending over buying insuranceand the recent policy reforms that are not providing the positive response to increasedhealth insurance. The analysis uses panel data that allows to follow households during afive-year period to analyze how the behavior towards health problems changes with theirchanging household conditions...
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Tesis de la Universidad Complutense de Madrid, Facultad de Ciencias Políticas y Sociología, leída el 20-09-2017