Abstract
This paper has analyzed the extent and trend in the incidence and intensity of out-of-pocket (OOP) health expenditure at different threshold level in rural, urban and all India between 1999-00 and 2011-12. Data from nationally representative consumption expenditure surveys (CES) conducted by the National Sample Survey Organization (NSSO) in the year 1999-00, 2004-05 and 2011-12 has been used. Results show that between 1999-00 and 2011-12 the concentration of headcount reported OOP health expenditure at different threshold level has shown a decrease towards poor population which is more pronounced in rural areas and at two bottommost thresholds in urban areas. The concentration of overshoot is constant except some thresholds. The rate at which the concentration of headcount has decreased from top to bottom is far greater than the rate of decrease in the concentration of overshoot. Households in rural areas of the country are more vulnerable to catastrophe due to health care expenditure. The study argues for universal health insurance system to protect households from the significant burden of expenditure on critical health care.
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