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Do health coverage schemes ensure financial protection from hospitalization expenses? Evidence from eight districts in India

Author

Listed:
  • Indrani Gupta

    (Institute of Economic Growth)

  • Samik Chowdhury

    (Institute of Economic Growth)

  • Mayur Trivedi

    (Indian Institute of Public Health)

  • Shankar Prinja

    (Post Graduate Institute of Medical Education and Research)

Abstract

Recent years have seen a proliferation of schemes in India designed to extend health coverage in pursuit of universal health coverage. These schemes are heterogeneous in terms of their target beneficiaries, allowable services, sum assured, financing methods and governance. None of these new schemes are based on any objective evaluation of existing schemes. This paper analyses the impact of a variety of health coverage schemes on out-of-pocket spending on hospitalization, based on a household survey in three states of India. The findings indicate that the existing schemes have not had the desired impact in two of the three states. These results indicate that careful assessment, evaluation and planning around health coverage must precede scaling up of existing schemes and launching of new schemes. Else, in a situation of extremely low health spending, the country will run the risk of wasting scarce public resources.

Suggested Citation

  • Indrani Gupta & Samik Chowdhury & Mayur Trivedi & Shankar Prinja, 2017. "Do health coverage schemes ensure financial protection from hospitalization expenses? Evidence from eight districts in India," Journal of Social and Economic Development, Springer;Institute for Social and Economic Change, vol. 19(1), pages 83-93, April.
    • Handle: RePEc:spr:jsecdv:v:19:y:2017:i:1:d:10.1007_s40847-017-0040-4
    DOI: 10.1007/s40847-017-0040-4
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    References listed on IDEAS

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    1. Victoria Fan & Anup Karan & Ajay Mahal, 2012. "State health insurance and out-of-pocket health expenditures in Andhra Pradesh, India," International Journal of Health Economics and Management, Springer, vol. 12(3), pages 189-215, September.
    2. Finkelstein, Amy & McKnight, Robin, 2008. "What did Medicare do? The initial impact of Medicare on mortality and out of pocket medical spending," Journal of Public Economics, Elsevier, vol. 92(7), pages 1644-1668, July.
    3. Wagstaff, Adam & Lindelow, Magnus & Jun, Gao & Ling, Xu & Juncheng, Qian, 2009. "Extending health insurance to the rural population: An impact evaluation of China's new cooperative medical scheme," Journal of Health Economics, Elsevier, vol. 28(1), pages 1-19, January.
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    Cited by:

    1. Dayashankar Maurya, 2019. "Understanding public health insurance in India: A design perspective," International Journal of Health Planning and Management, Wiley Blackwell, vol. 34(4), pages 1633-1650, October.
    2. Dayashankar Maurya & Altaf Virani & S. Rajasulochana, 2017. "Horses for Courses: Moving India towards Universal Health Coverage through Targeted Policy Design," Applied Health Economics and Health Policy, Springer, vol. 15(6), pages 733-744, December.
    3. Mohd Zuhair & Ram Babu Roy, 2022. "Eliciting relative preferences for the attributes of health insurance schemes among rural consumers in India," International Journal of Health Economics and Management, Springer, vol. 22(4), pages 443-458, December.
    4. Shankar Prinja & Pankaj Bahuguna & Indrani Gupta & Samik Chowdhury & Mayur Trivedi, 2019. "Role of insurance in determining utilization of healthcare and financial risk protection in India," PLOS ONE, Public Library of Science, vol. 14(2), pages 1-16, February.

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