Research Article
How Different Motivations for Making Informal Out-Of-Pocket
Payments Vary in Their Influence on Users’ Satisfaction with
Healthcare, Local and National Government, and
Satisfaction with Life?
Nazim Habibov ,
1
Alena Auchynnikava ,
2
Lida Fan ,
3
and Yunhong Lyu
2
1
School of Social Work, University of Windsor, 167 Ferry Street, Windsor, Ontario, Canada N9A0C5
2
University of Windsor, Ontario, Canada
3
Lakehead University, Thunder Bay, Ontario, Canada
Correspondence should be addressed to Nazim Habibov; habibov@yahoo.com
Received 12 May 2021; Revised 22 July 2021; Accepted 28 July 2021; Published 27 August 2021
Academic Editor: Mihajlo Jakovljevic
Copyright © 2021 Nazim Habibov et al. This is an open access article distributed under the Creative Commons Attribution License,
which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Background. The dominant view in the literature is that informal payments in healthcare universally are a negative phenomenon.
By contrast, we theorize that the motivation healthcare users for making informal payments (IP) can be classified into three
categories: (1) a cultural norm, (2) “grease the wheels” payments if users offered to pay to get better services, and (3) “sand the
wheels” payments if users were asked to pay by healthcare personnel or felt that payments were expected. We further
hypothesize that these three categories of payments are differently associated with a user’s outcomes, namely, satisfaction with
healthcare, local and national government, satisfaction with life, and satisfaction with life of children in the future. Methods. We
used microdata from the 2016 Life-in-Transition survey. Multivariate regression analysis is used to quantify relationships
between these categories of payments and users’ outcomes. Results. Payments that are the result of cultural norms are associated
with better outcomes. On the contrary, “sand the wheel” payments are associated with worse outcomes. We find no association
between making “grease the wheels” payments and outcomes. Conclusions. This is the first paper which evaluates association
between three different categories of informal payments with a wide range of users’ outcomes on a diverse sample of countries.
Focusing on informal payments in general, rather than explicitly examining specific motivations, obscures the true outcomes of
making IP. It is important to distinguish between three different motivations for informal payment, namely, cultural norms,
“grease the wheels,” and “sand the wheels” since they have varying associations with user outcomes. From a policy making
standpoint, variation in the links between different motivations for making IP and measures of satisfaction suggest that
decision-makers should put their primary focus on situations where IP are explicitly asked for or are implied by the situation
and that they should differentiate this from cases of gratitude payments. If such measures are not implemented, then policy
makers may unintentionally ban the behaviour that is linked with increased satisfaction with healthcare, government, and life
(i.e., paying gratitude).
1. Background
IP is defined as a direct contribution in cash or gifts that is in
addition to any formally required contributions and which
are made by users to healthcare personnel or others acting
on their behalf [1, 2]. Since such payments are made out of
the counter and under the table, they are not part of formal
healthcare expenditures and can be made in the form of cash
such as small tips and large sums of money, or through
various types of gifts such as flowers and sweets, and before
or after receiving services [3]. IP is a subsection of a wider
category of out-of-pocket payments [4]. Thus, out-of-pocket
payments represent the amount of IP and legitimate legal fees
paid in the healthcare sector taken together. Legitimate fees
may include copayments for compulsory and voluntary health
insurance schemes and payments for healthcare services
Hindawi
BioMed Research International
Volume 2021, Article ID 5763003, 13 pages
https://doi.org/10.1155/2021/5763003