Employee State Insurance Scheme is missing in action

The objective of this policy brief is to summarise learnings from fieldwork conducted in Rajasthan and Gujarat towards (i) building evidence on the customer protection issues in the sale and servicing of the two insurance schemes and (ii) bringing to the forefront the structural issues on the supply-side that are holding back Financial Service Providers (FSPs) from offering high-quality service in the context of these two schemes.

The objective of this deck is to summarise learnings from fieldwork conducted in Rajasthan and Gujarat towards (i) building evidence on the customer protection issues in the sale and servicing of the two insurance schemes and (ii) bringing to the forefront the structural issues on the supply-side that are holding back Financial Service Providers (FSPs) from offering high-quality service in the context of these two schemes

How can we provide meaningful financial protection to people who are currently not served by health insurance markets (public or private)? This is the issue Bindu and her team at Dvara Health Finance have been working on for the past couple of years.

Managed competition is a theoretical concept for designing and regulating health insurance systems. Such systems can secure consumers' interests by managing diverging incentives, instituting uniform regulations, equipping consumers to make informed choices, and creating a competitive environment tailored to rewarding those organisations that improve services to consumers.

This research brief aims to synthesize existing evidence on the performance of PMJJBY and PMSBY since their inception, the reasons for low participation in these schemes, and the barriers to their successful implementation.

When viewed from a consumer’s perspective, these challenges manifest at different stages of their journey with a health insurance program, beginning from the decision to enrol in a program and ending at the renewal stage. While tweaks to the design of the health insurance program or moving to a more integrated model of healthcare provision may help in this blog post, we explore the role that social capital can play in circumventing some of these challenges.