Table 4.
Impact of extent of price correction on utilisation of insurance claims across public and private sector in the state of Punjab, India.
| Package category (CPD)a pre intervention scenarioa | Package category post intervention scenarioa | Sample size | Pre slopea | Change in slopea | Post slopea | p-valuea | Confidence interval (change in Slope) |
|---|---|---|---|---|---|---|---|
| Significantly under-priced (0–50%) | Significantly under-priced | 201 | −1.35 | 1.49 | 0.14 | 0.003 | (0.568–2.414) |
| Moderately under-priced | 68 | 1.19 | 3.58 | 4.77 | 0.029 | (0.349–6.811) | |
| Appropriately priced | 38 | 0.14 | 0.30 | 0.44 | 0.051 | (−0.008 to 0.598) | |
| Overpriced | 9 | 0.12 | 0.64 | 0.76 | 0.130 | (−0.242 to 1.518) | |
| Moderately under-priced (50–75%) | Significantly under-priced | 12 | −0.85 | 1.64 | 0.79 | 0.005 | (0.559–2.721) |
| Moderately under-priced | 81 | −0.42 | 1.07 | 0.65 | 0.002 | (0.444–1.688) | |
| Appropriately priced | 54 | −0.02 | 0.06 | 0.04 | 0.676 | (−0.249 to 0.373) | |
| Overpriced | 12 | −0.30 | 0.08 | −0.22 | 0.407 | (−0.117 to 0.271) | |
| Appropriately priced (75–110%) | Significantly under-priced | 3 | −5.90 | 2.66 | −3.24 | 0.083 | (−0.427 to 5.749) |
| Moderately under-priced | 24 | −0.13 | 0.13 | 0.01 | 0.103 | (−0.033 to 0.301) | |
| Appropriately priced | 48 | −1.08 | 1.04 | −0.04 | 0.122 | (−0.325 to 2.411) | |
| Overpriced | 24 | 0.09 | 0.15 | 0.24 | 0.476 | (−0.292 to 0.584) | |
| Overpriced (More than 110%) | Significantly under-priced | – | – | – | – | – | – |
| Moderately under-priced | 2 | −0.15 | 0.10 | −0.05 | 0.452 | (−0.174 to 0.372) | |
| Appropriately priced | 16 | 0.11 | −0.09 | 0.02 | 0.448 | (−0.325 to 0.155) | |
| Overpriced | 21 | 1.95 | 0.64 | 2.59 | 0.599 | (−1.982 to 3.266) |
a
Values in the table present outcome in terms of number of insurance claims per package per month; CPD refers to Cost-price differential, Pre intervention scenario refers to HBP 1.0 and Post intervention scenario refers to HBP 2.0, all bold figures represent statistically significant figures (p value < 0.05).