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Implementing health insurance: the rollout of Rashtriya Swasthya Bima Yojana in Karnataka
journal contribution
posted on 2023-06-08, 23:42 authored by D Rajasekhar, Erlend Berg, Maitressh Ghatak, R Manjula, Sanchari RoyThe National Health Insurance Scheme - Rashtriya Swasthya Bima Yojana - aims to improve poor people's access to quality healthcare. 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 in early 2010, 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 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 can be related to a misalignment of incentives.
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Publication status
- Published
Journal
Economic and Political WeeklyISSN
0012-9976Publisher
Economic and Political WeeklyIssue
20Volume
46Page range
56-63Department affiliated with
- Economics Publications
Full text available
- No
Peer reviewed?
- Yes
Legacy Posted Date
2015-12-08Usage metrics
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