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Hasna Ashraf Dvara

Hasna Ashraf

Research Associate
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Hasna is a Research Associate with the Social Protection Initiative. She completed her master’s degree in development studies from Indian Institute of Technology, Madras. At Dvara Research she has been researching extensively about social security systems, with a focus on health systems. As a fellow to the Lancet Citizens’ Commission on Reimagining India’s Health System, she has also worked on health system financing and potential pathways to universal healthcare. Prior to Dvara Research, she served as a Senior Analyst in the Monitoring and Evaluation Division at the Centre for Digital Financial Inclusion in New Delhi.

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January 18, 2024 | Dvara Research

This blog is the first in our trust series where we study trust in digital financial services. This blog attempts to lay down the conceptual contours of trust.

October 19, 2023 | Dvara Research

This blog is the first in our trust series where we study trust in digital financial services. This blog attempts to lay down the conceptual contours of trust.

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
April 26, 2023 | Science Direct

Financing of health systems is an enduring concern world wide. Yazbeck and colleagues in their paper make an important point that when there is a choice between financing in which contributions from citizens take place in the form of generalised taxes versus those in which they are in the form of insurance premiums, the overwhelming evidence suggests that tax-based financing is unambiguously superior even in low- and middle-income countries. Despite the strength of their case against contributory insurance, we suggest that the path forward may be more complex than they envisage for a number of reasons.

By Dr. Nachiket Mor, Hasna Ashraf
April 28, 2022 | Dvara Research

In this paper, we look at what made a transition to managed competition possible in the Netherlands, how managed competition has played out, and the challenges that the system currently faces.

April 7, 2022 | Hindustan Times

The study is authored by Aarushi Gupta, senior research associate at Dvara Research. Bindu Ananth, co-founder and chair of Dvara Trust. Bindu Ananth and Hasna Ashraf are fellow, Lancet Citizen’s Commission on Reimagining India’s Health Systems.

By Aarushi Gupta, Hasna Ashraf, Bindu Ananth
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 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.

September 15, 2021 | Dvara Research

This case study analyse Thailand's strategic purchasing and explain their health system financing

July 30, 2021 | Dvara Research

In this post, we closely examine how the Israeli health system is financed