The level of awareness was poor even among the HHs enrolled in the scheme. Poor understanding of hospitals empaneled, services covered, and the facilities therein are alarming and calls upon examination of strategies being adopted by the enrolling agencies in the states with RSBY. The portability of usage of the scheme made it more efficient as compared with other state-specific health insurance schemes Results Initially, the results from the quantitative methods are presented, followed by the results from the qualitative methods. Promoting Universal Financial Protection: Thus, only booklets were distributed during the enrollment.

Someone in the family a bank account holder. Author information Article notes Copyright and License information Disclaimer. Even the names of these schemes are quite similar to each other and also changed often. There are too many schemes running at the national and state levels in India in health as well as non-health field. However, recent studies on RSBY present inconsistent and contradictory findings.

RSBY scheme and Out of pocket expenditure – a Case Study from Chhattisgarh

Someone in the family a bank account holder The proportion of awareness, enrolled population, and utilization of benefits is quite low, and it is decreasing with each step. Funding The Health Inc. The participants also felt that such schemes did not reach their intended beneficiaries due to various factors e. From all the segments in each large village, two segments were selected randomly using the PPS method. But among the enrolled HHs, the rural areas 7. Catastrophic health expenditure remains a cause of impoverishment in the majority of the HHs in India 5.

RSBY provides benefits up to only Rs.


Both central and state governments contribute the entire premium in RSBY. The awareness and enrollment were usually done simultaneously resulting in poor awareness among the respondents.

case study on rsby

Each segment comprised about — HHs. It is likely that sfudy operating many such schemes is creating confusion for common man. Abstract Introduction Government of India launched a social health protection program called Rashtriya Swasthya Bima Yojana RSBY in the year to provide financial protection from catastrophic health expenses to below poverty line households HHs.

case study on rsby

It has been reported that top-down health insurance interventions with focus on studj strategies will rsbyy work out fully in the Indian context.

Factors such as lack of accurate data for enrolling the BPL HHs and lack of infrastructure at the grass root level are reported as the key reasons.

There are certain limitations of this paper worth mentioning. The following key findings emerged from their responses: The most of the sample HHs were not reenrolled in the scheme by insurance companies in the subsequent years.

What are the possible kn responsible for this? The essential SPEC factors at each level were also captured. Public Health 6: This may be due to the fact that the scheme was first launched in the rural areas. Methods The study followed mixed methods approach.

Rsby Scheme And Out Of Pocket Expenditure – A Case Study From Chhattisgarh

They carry out enrollment activities, print smart cards, process insurance claims, and do other administrative tasks. Though the awareness, enrollment, and utilization are low among both the groups, the rural HHs are marginally better than the urban areas. Jalgaon urban FGD respondent. There is a definite need to monitor and evaluate currently existing health care financing schemes at all the levels.


These findings helped to supplement the findings from the quantitative results and to identify the SPEC factors at each level.

Majority of the participants are from the rural area A survey carried out stduy in the state of Karnataka right after the implementation of RSBY reports that high proportions of the eligible HHs were aware about the scheme Comparison of place of residence among the aware and not aware households. The findings were used to explain mechanisms associated with the low or high level of awareness, enrollment, and utilization about the scheme.

External evaluation of user fee scheme in government hospitals in Maharashtra state in India. But the findings do represent the views of the population and can be generalized to the urban and rural areas of caes entire Maharashtra state. The study followed mixed methods approach. Considering the government plans to invest more in state-specific health insurance schemes and adaptation of this as key mechanism to finance health services, it becomes essential to explore the overall RSBY experience.

Some HHs sutdy unaware and never enrolled in the scheme even though the enrollment was quite high in the neighborhood.