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Implementing Health Insurance For The Poor: The Rollout Of Rsby In Karnataka

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  • Erlend Berg
  • Maitreesh Ghatak
  • R Manjula
  • D Rajasekhar
  • Sanchari Roy

Abstract

The National Health Insurance Scheme (Rashtriya Swasthya Bima Yojana, RSBY) aims to improve poor people's access to quality health care in India. This paper looks at the implementation of the scheme in Karnataka, drawing on a large survey of eligible households and interviews with empanelled hospitals in the state. Six months after initiation, an impressive 85% of eligible households in the sample were aware of the scheme, and 68% had been enrolled. However, the scheme was hardly operational and utilisation was virtually zero. A large proportion of beneficiaries were yet to receive their cards, and many did not know how and where to obtain treatment under the scheme. Moreover, hospitals were not ready to treat RSBY patients. Surveyed hospitals complained of a lack of training and delays in the reimbursement of their expenses. Many were refusing to treat patients under the scheme until the issues were resolved, and others were asking cardholders to pay cash. As is typical for the implementation of a government scheme, many of the problems discussed can be related to a misalignment of incentives.

Suggested Citation

  • Erlend Berg & Maitreesh Ghatak & R Manjula & D Rajasekhar & Sanchari Roy, 2011. "Implementing Health Insurance For The Poor: The Rollout Of Rsby In Karnataka," STICERD - Economic Organisation and Public Policy Discussion Papers Series 025, Suntory and Toyota International Centres for Economics and Related Disciplines, LSE.
    • Handle: RePEc:cep:stieop:025
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    References listed on IDEAS

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    1. Das, Jishnu & Hammer, Jeffrey, 2007. "Money for nothing: The dire straits of medical practice in Delhi, India," Journal of Development Economics, Elsevier, vol. 83(1), pages 1-36, May.
    2. Krishna, Anirudh, 2004. "Escaping Poverty and Becoming Poor: Who Gains, Who Loses, and Why?," World Development, Elsevier, vol. 32(1), pages 121-136, January.
    3. Anirudh Krishna & Mahesh Kapila & Mahendra Porwal & Virpal Singh, 2005. "Why growth is not enough: Household poverty dynamics in Northeast Gujarat, India," Journal of Development Studies, Taylor & Francis Journals, vol. 41(7), pages 1163-1192.
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    1. Manini Ojha, 2022. "Gender gap in schooling: Is there a role for health insurance?," Journal of International Development, John Wiley & Sons, Ltd., vol. 34(1), pages 29-54, January.
    2. Chatterjee, Chirantan & Joshi, Radhika & Sood, Neeraj & Boregowda, P., 2018. "Government health insurance and spatial peer effects: New evidence from India," Social Science & Medicine, Elsevier, vol. 196(C), pages 131-141.
    3. Khetrapal, Sonalini & Acharya, Arnab & Mills, Anne, 2019. "Assessment of the public-private-partnerships model of a national health insurance scheme in India," Social Science & Medicine, Elsevier, vol. 243(C).

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