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Health insurance for the poor in India

Author

Listed:
  • Ahuja, Rajeev

    (Indian Council for Research on International Economic Relations)

Abstract
Community based health insurance (CBHI) is more suited than alternate arrangements to providing health insurance to the low-income people living in developing countries. The universal health insurance scheme, launched recently by the Prime Minister of India, is only one of the forms that CBHI can take. While analysing the proposed scheme, we examine alternate forms of CBHI schemes prevalent in the country.The development of private health insurance market in the country will not leave the poor unaffected. Insurance sector reform can affect the poor through its effect on the provision of health services (i.e., cost, quality and access) used by the low-income people as well as through its access to financing of health care. In this paper we also explore how insurance sector reforms alter health insurance prospects facing the poor in India, and what changes on the health front affecting the poor have happened or are likely to happen as a result of insurance sector reforms. We conclude that in diverse settings of India all forms of CBHI have a role to play and therefore need to be encouraged by the government through appropriate interventions. Formal insurance providers can also be reigned to serve low-in comepopulation. At the same time, developments in formal health insurance market need to be guided so as to minimise cost escalation of health care provision

Suggested Citation

  • Ahuja, Rajeev, 2004. "Health insurance for the poor in India," Indian Council for Research on International Economic Relations, New Delhi Working Papers 123, Indian Council for Research on International Economic Relations, New Delhi, India.
  • Handle: RePEc:ind:icrier:123
    as

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    Citations

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    Cited by:

    1. Dror, David Mark & Radermacher, Ralf & Koren, Ruth, 2007. "Willingness to pay for health insurance among rural and poor persons: Field evidence from seven micro health insurance units in India," Health Policy, Elsevier, vol. 82(1), pages 12-27, June.
    2. Rajeev Ahuja & Basudeb Guha-Khasnobis, 2005. "Micro-Insurance in India: Trends and strategies for further extension," Indian Council for Research on International Economic Relations, New Delhi Working Papers 162, Indian Council for Research on International Economic Relations, New Delhi, India.
    3. repec:ilo:ilowps:401097 is not listed on IDEAS
    4. Sudha, venu Menon, 2006. "Health Security for rural poor: study of community based health insurance," MPRA Paper 1649, University Library of Munich, Germany.
    5. Utkarsh Shah, 2010. "Private Sector in Indian Healthcare Delivery: Consumer Perspective and Government Policies to promote private Sector," Information Management and Business Review, AMH International, vol. 1(2), pages 79-87.

    More about this item

    Keywords

    Health Insurance; Low-income people; poverty; risk and insurance; insurance schemes;
    All these keywords.

    JEL classification:

    • I1 - Health, Education, and Welfare - - Health
    • I3 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty
    • G1 - Financial Economics - - General Financial Markets

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