Role of NGOs in Promoting Micro Health Insurance: A Study with Reference to ‘Sampoorna Suraksha’ Health Insurance Scheme by SKDRDP, Mangalore (India)

2015 ◽  
Author(s):  
Vishal Pinto
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Micro Health Insurance

Role of NGOs in Promoting Micro Health Insurance: A Study with Reference to ‘Sampoorna Suraksha’ Health Insurance Scheme by SKDRDP, Mangalore (India)

2015 ◽  
Vol 4 (2) ◽  
pp. 251-261 ◽  
Author(s):  
Vishal Pinto
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Poor People ◽  
Insurance Scheme ◽  
Micro Health Insurance ◽  
Insurance Sector ◽  
Rural Development Programme ◽  
The Poor ◽  
Hospitalization Costs

The insurance sector has penetrated towards many of the high-income individuals and families but was unable to reach to those poor who do not have the capacity to purchase these insurance products. Thus, it is has created a huge gap between the rich and the poor. Micro health insurance is a new phenomenon in the Indian insurance sector which is specifically designed for the poor. This insurance programme is very essential for the individuals to protect them from various uncertainties and risk. The insurance is normally a product designed for the convenience of the middle- and higher-income groups of people. The lower segments of the people are alienated from taking the insurance policies as the prices of the policies are too high and unaffordable for them. Microfinancial institutions and non-governmental organizations (NGOs) that work with urban and rural poor felt the need for the security of these people. Thus, many such institutions have come forward to offer insurance facilities to the poor. They have kept policy prices low and the premium was priced according to their level of income. The Shri Kshetra Dharmasthala Rural Development Programme (SKDRDP) is one such institution which has focused on medical and hospitalization costs of the poor people. Accordingly, they designed a favourable micro health insurance product named as ‘Sampoorna Suraksha’ health insurance scheme. The scheme was introduced in the year 2004 and has witnessed tremendous progress over the years. In this article, we have analyzed the concept of micro-insurance, its development in India, its delivery models etc. We have also evaluated the ‘Sampoorna Suraksha’ scheme of SKDRDP and the progress of the insurance scheme in terms of enrolment, claim settlement, premium collection etc. The main objective of this article is to analyze the role of NGOs towards micro health insurance. In order to make an appropriate study, we have used exploratory and descriptive research methodology by taking the SKDRDP as a unit of the case study.

scholarly journals Socioeconomic and programmatic determinants of renewal of membership in a voluntary micro health insurance scheme: evidence from Chakaria, Bangladesh

2017 ◽  
Vol 10 (1) ◽  
pp. 1287398 ◽  
Author(s):  
Mohammad Iqbal ◽  
Asiful Haidar Chowdhury ◽  
Shehrin Shaila Mahmood ◽  
Mohammad Nahid Mia ◽  
S. M. A. Hanifi ◽  
...  
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Micro Health Insurance

PARTICIPATING IN HEALTH INSURANCE AND FACTORS AFFECTING AMONG PERSONS WHOSE ENROLMENT IS VOLUNTARY IN THUA THIEN HUE PROVINCE

2015 ◽  
pp. 89-95
Author(s):  
Thi Hoai Thuong Nguyen ◽  
Hoang Lan Nguyen ◽  
Mau Duyen Nguyen
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Cross Sectional ◽  
Factors Affecting ◽  
The People ◽  
Universal Health Insurance Coverage ◽  
The Social

Background:To provide information helps building policy that meets the practical situation and needs of the people with the aim at achieving the goal of universal health insurance coverage, we conducted this study with two objectives (1) To determine the rate of participating health insurance among persons whose enrolment is voluntary in some districts of ThuaThien Hue province; (2) To investigate factor affecting their participation in health insurance. Materials and Methodology:A cross-sectional descriptive study was conducted in three districts / towns / city of ThuaThien Hue in 2014. 480 subjects in the voluntary participation group who were randomly selected from the study settings were directly interviewed to collect information on the social, economic, health insurance participation and knowledge of health insurance. Test χ2 was used to identify factors related to the participation in health insurance of the study subjects. Results:42.5% of respondents were covered by health insurance scheme. Factors related to their participation were the resident location (p = 0.042); gender (p = 0.004), age (p <0.001), chronic disease (p <0.001), economic conditions (p<0.001) and knowledge about health insurance (p <0.001). Conclusion: The rate of participating health insurance among study subjects was low at 42,5%. There was "adverse selection" in health insurance scheme among voluntary participating persons. Providing knowledge about health insurance should be one of solutions to improve effectively these problems. Key words: Health insurance, voluntary, Thua Thien Hue

scholarly journals Factors Affecting Utilization of the National Health Insurance Scheme by Federal Civil Servants in Rivers State, Nigeria

2021 ◽  
Vol 58 ◽  
pp. 004695802110176
Author(s):  
Obelebra Adebiyi ◽  
Foluke Olukemi Adeniji
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
National Health Insurance ◽  
National Health ◽  
National Health Insurance Scheme ◽  
Health Workers ◽  
Civil Servants ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Rivers State

The National Health Insurance Scheme (NHIS) of Nigeria was established in 2005. This study assessed the utilization of health care and associated factors amongst the federal civil servants using the NHIS in Rivers state. This was a descriptive cross-sectional study using self-administered questionnaires. Data were collated and analyzed using SPSS version 21.0. A Chi-square test was carried out. The level of Confidence was set at 95%, and the P-value ≤ .05. Out of a total of 334 respondents, 280 (83.8%) were enrolled for NHIS, 203 (72.5%) utilized the services of the scheme. Most 181 (82.1%) of the respondents who utilized visited the facility at least once in the preceding year. Although, 123 (43.9%) of the respondents made payments at a point of access to health care services, overall there was a reduction in out of pocket payment. Possession of NHIS card, the attitude of health workers, and patients’ satisfaction were found to significantly affect utilization P ≤ .05. Regression analysis shows age and income to be a predictor of utilization of the NHIS. Though utilization is high, effort should be made to remove payment at the point of access and improving the harsh attitude of some of the health workers.

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