scholarly journals A STUDY ON AWARENESS ON AB-PMJAY FOR TREATMENT OF DISEASES WITH SPECIAL REFERENCE TO CANCER CARE IN THANJAVUR DISTRICT OF TAMIL NADU

2021 ◽  
pp. 202-206
Author(s):  
Dr. V.Pugazhenthi
Keyword(s):  
Health Insurance ◽  
Low Income ◽  
Tamil Nadu ◽  
Central Government ◽  
Insurance Scheme ◽  
Total Period ◽  
Income Groups ◽  
Insurance Cover ◽  
Costly Treatment ◽  
Comprehensive Health

Ayushman Bharat or Modicare, the Central Government aims to provide a health insurance cover of Rs 5 lakh to 500 million Indians free of cost. This includes families from lower income groups that fall under the socio-economic caste census (SECC) data of 2011. PM-JAY envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year. In Tamil nadu a scheme called ‘Chief Minister Kalaignar’s Insurance Scheme for Life Saving Treatments’ (KHIS) was launched in the year 2009 to ensure that poor and low income groups who cannot afford costly treatment, are able to get free treatment in Government as well as private hospitals for serious ailments. Later this scheme was modified with extended coverage in the year 2011 and re-launched in the name of ‘Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS)’. Under this scheme, the sum assured for each is revised as Rs.1 lakh every year for a total period of four years and for a total value of Rs. 4 lakh. Now, a value addition is made to the exicting CMCHIS, after the launch of PM-JAY, providing an insurance cover upto Rs 5 lakh per family, per year for secondary and tertiary hospitalization

scholarly journals Customer Satisfaction in Health Insurance: Evidence from India

2019 ◽  
Vol 8 (9) ◽  
pp. 424-427
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Customer Satisfaction ◽  
Low Income ◽  
Central Government ◽  
Private Insurance ◽  
Health Insurance Scheme ◽  
Satisfaction Level ◽  
Insurance Scheme ◽  
Satisfaction Index

Health care is a universally considered as a merit good sector as most countries either have a universal health care system or a universal insurance system. India has been following a hybrid system where predominantly the health logistics and health care have been provided by the State and Central government. From a fledgling beginning with Employees' State Insurance Corporate (ESIC) (1952) and Central Government health Scheme (CGHS) (1954), India has come a long way where it has witnessed a plethora of health insurance programs. The latest addition has been the Ayushman Bharat Health Insurance Scheme, which promises to cover 10 crore families with an insurance coverage of 5 lakh. This study tries to compare the Customer Satisfaction Index (CSI) of Government Sponsored Health Insurance scheme with Private Health Insurance alternatives. It has studied two cities (Bhubaneswar and Cuttack) of Odisha, by taking a sample of 400. The Composite Satisfaction Index has taken four parameters viz. value for money (VFM), affordability, claim settlement process and claim settlement amount, to have a comparative picture of the overall satisfaction level. The broad findings are that the overall satisfaction level of government sponsored schemes is significantly higher than the private schemes; largely due to the higher cost of the private insurance scheme. The study does not take into account variables like age, number of dependents, education etc. for arriving the satisfaction index. All the same, it shows broad trends as to how due to high cost of premium and processing hassles, the private insurance schemes have not been able to become the preferred option for those below poverty line and low income groups.

scholarly journals Utilization of Comprehensive Health Insurance Scheme, Kerala

2015 ◽  
Vol 28 (1_suppl) ◽  
pp. 77S-85S ◽  
Author(s):  
Neena Elezebeth Philip ◽  
Srinivasan Kannan ◽  
Sankara P. Sarma
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Comprehensive Health

scholarly journals Narrowing the Gap of Inequity in the Indonesia’s National Social Health Insurance Scheme, 2014-2018

2021 ◽  
Author(s):  
Hasbullah Thabrany ◽  
Ryan R. Nugraha ◽  
Ery Setiawan ◽  
Farah Purwaningrum
Keyword(s):  
Health Insurance ◽  
National Health Insurance ◽  
Universal Health Coverage ◽  
Low Income ◽  
National Health Insurance Scheme ◽  
Income Group ◽  
Health Insurance Scheme ◽  
Health Coverage ◽  
Insurance Scheme ◽  
Universal Health

Abstract Background. Indonesia is nearing its 7-year implementation of its national health insurance scheme, or the Jaminan Kesehatan Nasional (JKN), as a facilitator for achieving universal health coverage (UHC). Despite its long-running system, it is contentious as to whether JKN has been narrowing the gap of inequity in its delivery. This paper aims to explore on whether the national health insurance scheme in Indonesia have been promoting equity of access towards health services.Methods. This study analyzes findings from JKN statistic data of 2014-2018 published by Government of Indonesia. Using a retrospective design, this study identified membership and utilization of health services within JKN, based on different membership enrollment groups as proxy for income.Results. JKN has been expanding its enrollment significantly within 5 years, during year 2014 to 2018. Moreover, the study concludes that there was increased access for outpatient in all membership groups. Inpatient care was increased in low-income group, but not in high-income group. Result also showed inpatient access was correlated with adequate supply side intervention, particularly hospital beds.Conclusion. JKN has been successful in narrowing the inequity gap, particularly by serving the low-income group better in terms of access. Going forward, equity needs to be incorporated into JKN achievement indicator, particularly to accelerate Indonesia’s effort to realize universal health coverage.

Comorbid Illness, Injuries and Health Insurance Subscription Among Self-Reported Mentally Disabled Subjects of Tamil Nadu, India

2018 ◽  
Vol 47 (4) ◽  
pp. 249-259
Author(s):  
A.M. Anusa ◽  
C. Ramasubramaniam ◽  
Thavarajah Rooban
Keyword(s):  
Health Insurance ◽  
Chronic Illness ◽  
Odds Ratio ◽  
Tamil Nadu ◽  
Statistical Significance ◽  
Treatment Seeking ◽  
Mentally Disabled ◽  
Insurance Cover ◽  
Seeking Behavior ◽  
The Impact

Background.—Mentally Disabled (MD) subjects often have multiple co-morbidities and also experience injuries, acute and chronic illness like the general population. Details of such episodes and the impact of health insurance have not been described for Tamil Nadu, an Indian state population. This manuscript intends to report on this experience. Materials and Method.—Secondary Data Analysis of District Level Household and Facility survey-4 (2012-13) were employed for this study. Comparison of MD with the normal population was performed. Demographic characteristics along with injury (in preceding year), acute illness (within past 15 days) and the experience of chronic illness (requiring treatment for 1 month), treatment seeking behavior and health insurance coverage formed the variables. Descriptive statistics, chi-square and odds ratio are presented. P≤0.005 was considered as statistical significance. Result.—Of the 179381 surveyed, 565(0.3%) had some form of MD and 169938 (94.7%) had no disabilities. The two groups varied in age, gender, and marital status. MD population had nearly 4 times the incidence of injury (P = 0.000) in the past 1 year, more commonly requiring in-patient treatment. Epilepsy was more common among individuals with MD with odds ratio of 7.159 [P = 0.015]. Health insurance cover and its influence on treatment seeking behavior are presented. Discussion.—The experience of injuries, acute and chronic illness by individuals with MD, to the best of our knowledge has been described for the first time in Tamil Nadu. Individuals with MD and without health insurance often do not take treatment. The absence of health insurance with the resulting increased cost of out-of-pocket expense for chronic illness may force them to neglect their health. These factors are discussed along with recommendations for policy makers.

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