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- Title
Community Based Micro Health Insurance Schemes to Provide Quality Health Care with Equity in Rural India.
- Authors
Tayade, Surekha; Kore, Jaya; Singh, Noopur
- Abstract
Introduction: Over 40 % of hospitalized Indians borrow heavily or sell assets to cover expenses of health care. Kasturba Hospital offers high quality, low cost healthcare through unique insurance schemes to minimize 'out of pocket' expenditure and provide accessible, affordable health care. Objective of the study is to evaluate the health insurance schemes run by Kasturba Hospital in rural India. Novelty: These schemes are unique and have won global acclaim. A villager can insure himself and his family by paying Rs 400 a year with a 50 % subsidy on hospital services. Jowar Health Insurance Scheme has a common fund created by the villagers by collecting Jowar during the annual harvest time for heavily subsidized health care. Method: Hospital information system was used to evaluate health insurance schemes of the hospital and number of beneficiaries from January to December 2017 with social determinants were analyzed. Results: Hospital runs 5 schemes - Hospital Insurance card, Kisan Card and Jowar card for 50 % benefit, Yellow card for 100 % subsidy and Mahatma Jyotiba Phule Jan AarogyaYojna (MJPJAY). In 2017, 42953 families (192841 members) from 40 villages obtained the benefit of hospital insurance, 1554 of Yellow card, 2334 of Kisan cards, 6888 of Jowar cards and 4061 of MJPJAY. Rural families from adopted villages of institute were main beneficiaries. SES did not appear to inhibit uptake. Families from below poverty line benefitted from MJPJAY. Conclusion: Community Based Micro Health insurance schemes involving participatory approach are considered viable options and prioritized by villagers to meet their health needs & provide health care with equity. Families with greater financial liabilities find them attractive.
- Publication
Indian Journal of Public Health Research & Development, 2018, Vol 9, Issue 5, p588
- ISSN
0976-0245
- Publication type
Academic Journal
- DOI
10.5958/0976-5506.2018.00511.9