Mutual health organisations have been present in Senegal for years. Despite their benefits, in most areas take-up rates remain low. Using randomised controlled trials, we evaluate the effect of an insurance literacy module, communicating the benefits and functioning of health microinsurance, as well as three cross-cutting marketing treatments. The results from our various marketing treatments indicate a positive and significant effect on health insurance adoption, particularly for poor households, increasing take-up by around 35–40%. The insurance literacy module does not seem to have a positive impact on take-up decisions. We attempt to provide different contextual reasons for this result.
Bonan, J., Dagnelie, O., LeMay-Boucher, P., & Tenikue, M. (2017). The Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal: A Randomised Evaluation. Journal of African Economies, 26(2), 169-191. https://doi.org/10.1093/jae/ejw023