This study will include three pilot surveys, a baseline survey, and an endline survey approximately 18 months after the end of the baseline.
The village and household samples for this study were assembled in two steps. First, we selected 214 villages in Ahmedabad and Gandhinagar districts in Gujarat state. Of these 214 villages, 5 were assigned to a pilot 1 that we used to determine which two hospi-cash policies we would study, 9 were assigned to the pilots 2 and 3 that we used to determine the price conditions for the experiment in the main study. The remaining 200 villages were used for the main study.
Our inclusion criteria for households in the 3 pilot studies and the main study was that households have at least one SEWA member currently living there. (For example, the adult children of a SEWA member who no longer lives with them were ineligible to participate in the study.) While this criteria affects external validity, it provides a cohesive sample that already trusted SEWA and its financial services arm, VimoSEWA, and is thus likely to be cooperative with our study.
There were no exclusion criteria for pilot 1. For pilots 2 and 3 and the main study, however, we excluded members that were subscribed to VimoSEWA's existing hospi-cash policy. We excluded these members because a member who already has a hospi-cash policy is unlikely to purchase a second policy. Moreover, we are interested in demand for hospi-cash amongst those who do not already have it. We also excluded members below the age of 18 and above the age of 54 from pilots 2 and 3 and the main study, as the hospi-cash policy is not available to individuals outside this age band.
After the pilots, each of the 200 villages in the main study were randomly assigned villages to one of the four possible price-pairs for the two products offered. SEWA will also continue to offer it's standard suite of non-hospi-cash policies to SEWA households.
In advance of the start of marketing, we will conduct a baseline survey of sample households. After marketing, we will gather data from SEWA on which households purchased a hospi-cash policy and which one they purchased. We will also obtain SEWA claims data for all sample households that enroll in a hospi-cash plan. Approximately 18 months after the end of the baseline, we will conduct an endline.