Health Financing in India

Commence for Economical Management and Research Centre for Insurance and Risk Management

Delivering Micro Health Insurance Throughout the National Non-urban Health Quest A Strategy Paper

Rupalee Ruchismita, Imtiaz Ahmed and Suyash Rai

August 2007

Rupalee Ruchismita (rupalee. [email protected] alternating current. in) and Imtiaz Ahmed ([email protected] air conditioner. in) are with the Center for Insurance and Risk Management at IFMR, Chennai (http://ifmr.ac.in/cirm). Suyash Rai is with the ICICI Hub for Kid Health and Nourishment, Pune. The views portrayed in this take note are totally those of the authors , nor in any way reflect the sights of the Corporations with which they can be associated.

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Ruchismita, Ahmed, Reflet: Delivering Micro Health Insurance throughout the National Rural Health Objective

Contents

one particular Introduction two Health Auto financing in India 3 Key issues in Health Loans 4 Exploring Risk Transfer and Pooling Strategies your five Proposal for the National Pinnacle Body 6th Conclusion 7 Annexures several. 1 ANNEXURE I..................................... 7. 2 ANNEXURE II..................................... 7. 3 Objectives, Activities, and Services........................ 1 1 3 4 almost 8 13 14 14 19 22

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Ruchismita, Ahmed, Rai: Providing Micro Medical insurance through the Nationwide Rural Health Mission

you Introduction

The Indian wellness scenario is rather complex and challenging with successful cutbacks in male fertility and mortality offset with a significant and growing nommable as well noncommunicable disease burden1, persistently substantial levels of child undernutrition2, increasing polarisation in the health position of the rich and the poor3 and limited primary health care coexisting with burgeoning medical tourism! This case is further complicated by presence and practice of multiple devices of medicine and medical practitioners (several of to whom are not technically certified and recognised) and very limited control. In such a framework, this daily news highlights the challenges in financing overall health in India and investigates the function of medical insurance in handling these. That proposes a great operational platform for producing sustainable health insurance models within the National Non-urban Health Quest, responding to the contextual requirements of different states.

2 Health Financing in India

The entire spending on the health sector in India is usually not low. According to the Nationwide Health Accounts 2001-02, the total health expenses in India for the entire year was Rs. 1, 057, 341 mil, which accounted for 4. 6th percent in the Gross Home Product (GDP). The concern is based on the fact that households will be the major financing sources, accounting for 72 percent with the total health expenditure sustained in India. State Governments contribute doze. 6 percent of the total health expenses, Central Government 6. 5 percent and the auto industry and private firms 5. several percent. Exterior support coming from bilateral and multilateral firms accounts for installment payments on your 3 percent of well being expenditure in India, a number coming in as grant to the Central Authorities. So , just about 20% of the overall funding comes from India accounts for just 16. five per cent of the global population, that contributes to about a fifth of the planet's share of diseases: another of the diarrheal diseases, tuberculosis, respiratory and other infections, parasitic infestations and perinatal conditions; a quarter of maternal conditions; a fifth of healthy deficiencies, diabetes, cardiovascular diseases, and the second greatest number of HIV/AIDS cases on the globe. (Report with the National Commission payment on Macreconomics and Wellness. 2005. New Delhi: Ministry of Health and family Wellbeing. ) a couple of National Friends and family Health Review III, 2005-06. Mumbai: Intercontinental Institute of Population Sciences. 3 The poorest 20% of Indians have more than twice the rates of mortality, malnutrition, and virility of the richest 20 percent. (Peters DH et al. Better Health...

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