Page 270 - India Insurance Report 2023- BIMTECH

258 India Insurance Report - Series II

II.Households’ Expectations Regarding Health Service Coverage

Out of 441 respondents, 200 specified their health-seeking behaviour and service coverage expectations.
Among them, 114 were from Dhaka, 74 from Tangail, and 12 from Meherpur. Almost all respondents
from all regions expected doctor consultation, diagnosis, medicine, and hospitalization support.
Additionally, respondents from Tangail and Meherpur emphasized telehealth/online health services, with
44 and 11 respondents, respectively, mentioning this expectation. Both Tangail and Dhaka respondents
emphasized ambulance/vehicle services, with 44 and 4 respondents, respectively, mentioning this need.
Table 07: Expectations regarding treatment services by locations

Overall Dhaka Tangail Meherpur
Doctor Consultation Doctor Consultation Doctor Consultation Doctor Consultation
Diagnosis Medicine Diagnosis Medicine Diagnosis Medicine Diagnosis Medicine
Hospitalization Tele- Hospitalization Hospitalization Tele- Hospitalization Tele-
health Ambulance/ Ambulance/Vehicle health Ambulance/ health
Vehicle Vehicle

III. Households’ Treatment Cost Affordability

Total of 302 respondents among 441 provided responses regarding treatment cost affordability.
Among them, 89 respondents were from Dhaka, 103 from Tangail and 110 from Meherpur, who provided
overall treatment affordability. Interestingly, a smaller number of respondents provided responses
regarding specific service-wise treatment affordability as they found it difficult to identify segregated
treatment affordability. The below table shows the number of respondents who provided information
about each treatment service.

Table 08: Number of respondents mentioned treatment cost affordability by services and locations

Type of services Total Dhaka Tangail Meherpur
Consultation 192 17 82 93
Diagnosis 176 14 78 84
Medicine 284 79 95 110

Hospitalization 42 2 21 19
Transport 199 5 96 98
Total 302 89 103 110

It has been found that average per month treatment cost affordability is BDT 730 which is BDT 218
in Dhaka, BDT 1,000 in Tangail and BDT 891 in Meherpur.