Measuring cost to avail free cancer treatment for ultra-poor: The case study of Individual Financial Assistance (IFA) Pakistan Bait ul Mal (PBM)
Author: Muhammad Saeed Ahmad

This thesis aims to measure the extra costs of cancer patients registered with PBM (A public sector entity) providing free fund through Individual Financial Assistance (IFA) program. IFA program supports ultra-poor people including cancer patients. To avail this facility, the poor cancer patients have to bear costs like traveling cost, opportunity cost, medicine cost, food cost and other costs linked with treatment. It is clear that a poor cancer patient or his family has great difficulty to meet both ends in presence of expensive cancer treatment. For estimation of different costs, we randomly selected a sample of three hundred (300) patients, from MIS-PBM (data base of registered cancer patients). Univariate analysis has been used to measure the opportunity cost while multivariate analysis has been used to find the key determinants of costs such as distance, time, number of visits, waiting time and other. As per survey, the average income of household is about Rs.14000 per month. In the light of survey results, about Rs.27000 shifts to patient as direct costs whereas Rs.8500 of opportunity cos is informal cost not paid in cash. PBM supports about Rs.10000 per month. The adjustment of difference of Rs.17000 is made by patient through borrowing of about Rs.10000 to meet with direct cost requirements. About Rs.7000 is still left even after combined support of Rs.20000 arranged from loan and PBM. The left over direct cost is adjusted with monthly income of Rs.14000 leaving behind Rs.7000 for household activities. Household is compelled to dispose of savings, reduce food intake, kid s’ drop-out, selling of property to bridge the gap. The borrowing of about Rs.10000 per month remains a future liability to the poor family. The direct, indirect and loans have irrational match with surveyed income of household that require of policy to revisit to save future human capital. Supervisor:- Dr. Nasir Iqbal

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Supervisor: Nasir Iqbal

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