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Are Publicly Financed Health Insurance Schemes Working in India?

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Listed:
  • Ravi, Shamika
  • Bergkvist, Soft

Abstract

Since 2003, various government-sponsored health insurance schemes have been implemented in India to offer financial protection against catastrophic health shocks to the poor. Several state governments took the initiative to roll outb their own state-financed health insurance schemes and these were followed by the national government, rolling out the largest of such schemes, the Rashtriya Swasthya Bima Yojna (RSBY) in 2008. These schemes provide fully subsidized cover for a limited package of secondary and tertiary inpatient care, targeting the population below poverty line. This paper analyzes the impact of these state-sponsored health insurance schemes through a literature review and some illustrative empirical work. We find limited impact of these government-sponsored health insurance schemes and provide rationales for this. We also discuss the policy implications of these findings.

Suggested Citation

  • Ravi, Shamika & Bergkvist, Soft, 2015. "Are Publicly Financed Health Insurance Schemes Working in India?," India Policy Forum, National Council of Applied Economic Research, vol. 11(1), pages 158-192.
    • Handle: RePEc:nca:ncaerj:v:11:y:2015:i:2015-1:p:158-192
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    File URL: https://www.ncaer.org/publication/india-policy-forum-2014-15
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    Citations

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    Cited by:

    1. Shankar Prinja & Jagnoor Jagnoor & Akashdeep Singh Chauhan & Sameer Aggarwal & Ha Nguyen & Rebecca Ivers, 2016. "Economic Burden of Hospitalization Due to Injuries in North India: A Cohort Study," IJERPH, MDPI, vol. 13(7), pages 1-15, July.
    2. Azam, Mehtabul, 2018. "Does Social Health Insurance Reduce Financial Burden? Panel Data Evidence from India," World Development, Elsevier, vol. 102(C), pages 1-17.
    3. 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.
    4. Singh, Nirvikar, 2018. "Financial Inclusion: Concepts, Issues and Policies for India," Santa Cruz Department of Economics, Working Paper Series qt98p5m37s, Department of Economics, UC Santa Cruz.
    5. Sengupta, Reshmi & Rooj, Debasis, 2019. "The effect of health insurance on hospitalization: Identification of adverse selection, moral hazard and the vulnerable population in the Indian healthcare market," World Development, Elsevier, vol. 122(C), pages 110-129.

    More about this item

    Keywords

    Publicly Financed Health Insurance Schemes; Health Reforms; Health Financing; RSBY;
    All these keywords.

    JEL classification:

    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • H43 - Public Economics - - Publicly Provided Goods - - - Project Evaluation; Social Discount Rate

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