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Anjali Nambiar Dvara

Anjali Nambiar

Research Associate
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Anjali is a Research Associate in the Social Protection Initiative vertical at Dvara Research. She holds a Master’s degree in Public Policy from National Law School of India University, Bangalore and a Bachelor’s degree in Microbiology from St. Xavier’s College, Kolkata.

At Dvara Research, her work revolves around the design of social protection systems, health risk financing, and customer protection. She has authored multiple papers under the health risk financing workstream (see here) along with publications in peer reviewed journals (see here and here). She is also a Lancet Fellow in the Lancet Citizen’s Commission for Reimagining India’s Health System under its Financing workstream. Her more recent projects are situated under the customer protection program in Dvara which study debt distress and personal insolvency in India. Her body of work at Dvara Research makes her highly attuned to solving challenges of low-income households from both a social protection and a financial inclusion perspective. 

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June 5, 2023 | Dvara Research

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.

By Anjali Nambiar, Hasna Ashraf, Aarushi Gupta
May 29, 2023 | Dvara Research

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.

April 14, 2023 | Dvara Research

An action project to help financial service providers detect debt distress among their borrowers and administer interventions to alleviate distress. Read the full report here.

April 14, 2023 | Dvara Research

An action project to help financial service providers detect debt distress among their borrowers and administer interventions to alleviate distress.

September 30, 2022 | Dvara Research

Colombia’s healthcare domain, like many other sectors in the country, was completely overhauled as part of the country’s sweeping reforms that followed the adoption of a new Constitution in 1991.

By Aarushi Gupta, Anjali Nambiar
July 25, 2022 | Dvara Research

In this paper, we characterise the National Health Insurance system of Israel, its universal public healthcare system, as one which has adopted managed competition and achieved remarkable outcomes. We place the establishment of the system in the country’s political-economic context to determine the role of the structural factors in shaping health policy in the country.

June 1, 2022 | Dvara Research

In this paper, we document the experience of Germany’s SHI system with managed competition and the challenges faced by this sub-system in faithfully implementing the principles of managed competition as originally envisioned by Enthoven.

February 4, 2022 | Dvara Research

In this paper, we propose an analytical framework that provides an overview of the various actors and processes involved in financing, purchasing, provision and provider payments.

November 25, 2021 | Dvara Research

In this piece, we revisit Enthoven’s principles and propose a broader definition of the concept of managed competition in order that it may encompass other countries’ experiences that do not conform to a strict application of Enthoven’s concept.

November 16, 2021 | Dvara Research

Based on a study of the theoretical and empirical literature, we conclude with a set of hypotheses that looks at how demand for health insurance can be fostered by targeting both the components of demand (intention and action), through well-designed awareness measures and nudges to overcome the various behavioural biases involved.