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So why not make enrolling in the scheme the default option, still leaving them the choice to opt out?
Additionally, while the CMHI policy is quite open for undocumented migrants to be registered to the scheme, some hospitals may request various documents that can deter undocumented migrants from enrolling in the scheme.
Among the socio-demographic factors, our study found formal education attainment, specifically secondary and higher education, the matured and active working age group between 36 and 54 years as a positive influence on the likelihood of enrolling in the scheme, which is consistent with earlier studies (8).
The FGDs support the quantitative findings: in all FGDs, the most frequently cited reason for enrolling was that family members suffer from chronic conditions, while in non-member households the second most frequently reported reason for never enrolling in the scheme was that people were healthy.
This may be due to the fact that many of the households enrolling in the scheme do not see distance as a barrier to accessing facility care, where the benefit added through a reduction in financial constraints outweighs the residual problem of distance to care.
Many micro-insurance schemes in South Asia and Latin America have been found to either not cover pregnancy; exclude coverage for the first pregnancy which has a higher risk of complications, or require a mandatory waiting period of 9 months before enrolling in the Scheme to prevent women from joining when they are pregnant [ 18].
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Key reasons for not enrolling in the schemes were high contribution rates, which were deemed unaffordable to many (43.5%) and unawareness about schemes existence and the services they offered (21.6%).
Village implementers (Village executive officers (VEOs) and EOs) work directly with the community either to handle enrollments or to mobilize people to enroll in the scheme.
Reasons for not using vouchers were "limited choices of healthcare professionals because the healthcare professionals whom I usually see have not enrolled in the scheme" or "there are no enrolled healthcare professionals nearby" (46.4%), "I am used to seeing public doctors" (23.5%), and "I do not need to consult any healthcare professionals" (23.2%).
By the end of 2013 nearly 475m were enrolled in the scheme.The benefits are minuscule.
About a third of the hospital's patients are now enrolled in the scheme.
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