A B C D E F G H I J K L M N O P Q R S T U V W X Y Z All
Panda, Babita
- Extent of Use of the Government Sponsored Health Insurance Schemes: Evidence from Rural Odisha
Authors
1 Department of Analytical and Applied Economics, Utkal University, Vani Vihar, Bhubaneswar-751004, Odisha, IN
Source
Indian Journal of Economics and Development, Vol 6, No 10 (2018), Pagination: 1-11Abstract
Objectives: The National Health Insurance Scheme of India, i.e., Rashtriya Swasthya Bima Yojana, and the Odisha State health insurance scheme, i.e., Biju Krushak Kalayan Yojanaaim to provide financial protection to target population against catastrophic health expenditure by reducing out-of-pocket spending and improve access to quality healthcare. The study estimates healthcare expenditure of beneficiaries, the extent of use of the scheme and to point out obstacles that the beneficiaries face.
Methodology: The study was based on both secondary and primary data. Multi-stage random sampling method is used to select 200 beneficiaries of both the scheme. Data were collected through direct personal interviews by using structured schedules. Descriptive statistics are used to substantiate the objectives. Qualitative data were also analysed briefly to supplement quantitative analysis.
Results: The average amount of expenditure on Medicine, Diagnostic and Food and accommodation incurred by beneficiaries for their treatment were quiet high. The overall spending on medicine in proportion of total healthcare payment was 60.01%.47.5% beneficiaries spend from own pocket for their treatment. Only 5.7% beneficiaries fully access the facilities of the scheme. The average claimed amount and received amount was only `6246 and `3632.70 respectively. Only 58.15% of the claimed amount was only realized. The obstacles faced by the beneficiaries in the reimbursement of the claimed amount are bureaucratic official procedures, mismatch of the fingerprint of beneficiaries, failure of networking of installed software, more amounts of money deducted than released amount and exploitation involved in the delivery of facilities.
Conclusions: This paper contributes to the current debate on financial protection provided by the health insurance scheme which is burning issue in the healthcare sector. The finding of the study may help the policymaker to create awareness among insured, the behaviour of healthcare providers may be turned friendly, immediate attention may be provided by help desk counters to the beneficiaries, the sum assured amount may be increased and the detailed receipt of hospital expenditure may be supplied to the insured at the time of discharge.
Keywords
Rashtriya Swasthya Bima Yojana, Biju Krushak Kalayan Yojana, Health Insurance, Out of Pocket Payment, Odisha.References
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- Access, Utilisation and Challenges of Biju Krushak Kalyan Yojana (BKKY):A Case Study from Odisha, India
Authors
1 Department of Economics, Pillai HOC College of Arts, Science and Commerce, Rasayani Navi Mumbai, Maharasthra-410207, IN
2 Department of A&A Economics, Utkal University, Vani Vihar, Bhubaneswar, Odisha - 751004, IN
Source
Journal of Rural Development, Vol 39, No 2 (2020), Pagination: 278-291Abstract
The present study tries to estimate the amount of benefit received by the insured from the BKKY and to identify the challenges faced by the insured in delivering the prescribed facilities. The study was based on both secondary and primary data. The primary data were collected from one block of the rural district in Odisha, India which was selected through multistage random sampling. For the study, 100 beneficiary households were selected randomly and data were collected through direct personal interviews by using structured schedules. Descriptive statistics are used to substantiate the objectives. The average claimed and received amount was Rs. 6566 and Rs. 3725, respectively. Only 56.71 per cent of the claimed amount was realised due to delay in an official procedure, mismatch of the fingerprint of beneficiaries, failure of networking of installed software, more amount of money deducted than released amount and exploitation involved in the delivery of facilities. So, the percentage of claim and receipt amount in terms of sum assured was 6.56 and 3.72 per cent, respectively. Another major issue is that even though the sum assured is available in respective cardholder, they are not claiming it. This is because of no proper enrolment procedure, lack of awareness, delay in sanctioning the claimed amount, non-cooperation of the hospital staff in delivering the services, low quality healthcare and non-supply of detail information about the hospitalisation expenditure. The government may create awareness among the insured. An immediate response may be provided by the hospital staff. The helpdesk counter may also supply detailed information to beneficiaries about hospitalisation expenditure to get an idea about their remaining sum assured.Keywords
Biju Krushak Kalyan Yojana, Health Insurance, Odisha.References
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