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In this study, I examine the role of health insurance cover in
                                                           improving access to healthcare services and consequently its role
                                                           in improving health outcomes for dependent children. I utilize
                                                           differences in temporal variation of insurance cover for dependent
                                                           children and their cousins, within the same Indonesian household
                                                           to estimate the effect. By comparing dependent children of
                                                           different biological parents, living in the same household, this study
                                                           avoids potential confounders for healthcare demand, such as
                                                           health endowment due to nutrition and hygiene. I find that
                                                           dependent children of government employees have increased
                                                           access to health insurance. In terms of healthcare use, I find no
                                                           impact of insurance in providing access to preventive care as an
                                                           outpatient. Instead, insurance status positively impacted first time
                                                           and repeat visits to private facilities for curative care only. Insured
                Kolukuluri, K. (2021). Healthcare          children were 4.4 per cent more likely, than uninsured cousins, to

                utilization and outcomes for               access first-time curative care and make 63 per cent more repeat
                                                           visits as an outpatient. In contrast, for inpatient services, insured
                insured dependent children:                children sought care at public facilities. Insurance did not have a

                evidence from Indonesia.                   positive impact on health outcomes for dependents. The results
                                                           are robust to an instrumental variable estimation, alongside
                Empirical Economics, 1-33.                 household fixed effects, which addresses concerns on potential

                                                           endogeneity of insurance cover.
































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