Challenges of Rasthryia Swasthya Bima Yojana (RSBY) in West Bengal, India: An exploratory study

Summary This study reviews the economic viability of the Rashtriya Swasthya Bima Yojana (RSBY), India's landmark health insurance program for below poverty line (BPL) populations in West Bengal state of India. It addresses the issue through in‐depth analysis of literature, national and state le...

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Bibliographic Details
Published in:The International journal of health planning and management 2018-04, Vol.33 (2), p.294-308
Main Authors: Bandyopadhyay, Satarupa, Sen, Kasturi
Format: Article
Language:English
Subjects:
Adult
Aged
Aged, 80 and over
Budgets
Databases, Factual
Health administration
Health care
Health Expenditures - statistics & numerical data
Health insurance
Health Services Accessibility - statistics & numerical data
Hospitalization - statistics & numerical data
Humans
India
Insurance
Insurance companies
Insurance, Health - economics
Insurance, Health - organization & administration
Insurance, Health - statistics & numerical data
Interviews as Topic
market failure
Middle Aged
Poverty
Private Sector
Public Sector
Qualitative Research
Rashtriya Swasthya Bima Yojana (RSBY)
State budgets
Viability
West Bengal
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Summary:Summary This study reviews the economic viability of the Rashtriya Swasthya Bima Yojana (RSBY), India's landmark health insurance program for below poverty line (BPL) populations in West Bengal state of India. It addresses the issue through in‐depth analysis of literature, national and state level data, and a number of key stakeholder interviews. The study argues that the market failure conditions of this insurance model will continue to perpetuate losses for not only the state, but also for insurance companies, unless they adjust on a continuous basis for profit by raising the premium rate. This will further deplete state budgets for health care affecting the viability of the scheme in the long run.
ISSN:0749-6753
1099-1751
DOI:10.1002/hpm.2453