Insured Yet Vulnerable

INSURED YET VULNERABLE: OUT OF POCKET PAYMENTS AND INDIAS POOR By: Renu Shahrawat and Krishna D Rao Published: Health Policy and provision Journal, April 2012 AMNA NAQVI 2011SW014 MSW (Health and Development) Tata Institute of Social Sciences OUT OF POCKET EXPENDITURE: AN ANALYSIS DEFINITON: step forward of pocket payments are direct outlays of cash to wellness practitioners, suppliers of pharmaceuticals or to any health facility provider. They may or may not be reimbursed. Globally around 150 cardinal people face financial crisis and about 100 one thousand thousand suffer impoverishment due to OOP payments made for health care. The mass i.e. around 90% of the people reside in baseborn income countries. India along with Bangladesh and Vietnam has some of the highest burdens of OOP payments for health in Asia. Providing financial defense to households from high OOP payments can be achieved either by backup health services through and through taxes or risk pooling through an insurance program. In India, health system is highly privatized and adding to it the administration spending on health has consistently been low at around 1%of GDP.

The condition becomes worse as save if 11% of the countrys population is covered under some or other forms of health insurance. Minimal health insurance coverage and high fee for private health care leads to high OOP payments. There are various kinds of health insurance that exist in India- community health insurance, commercial or private health insurance and social health insurance but their reach is very limited. Introduction of the world-wide Health Insurance Scheme in 2003 was one of the early steps to alleviate such a burden, wherein the central disposal was paying Rs 100 per household as subsidy to beseech a benefit package, with a sum assured of Rs 30,000. condescension various modifications, the scheme hardly evinced any response with only 34000 families enrolled in 2005 (MOHFW, 2005). In 2008, the... If you want to get a practiced essay, order it on our website: Orderessay

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