Indan Journal of Medical Research Indan Journal of Medical Research Indan Journal of Medical Research
  Home About us Editorial board Search Ahead of print Current issue Archives Submit article Instructions Subscribe Contacts Login  
  Home Print this page Email this page Small font sizeDefault font sizeIncrease font size Users Online: 2860    
Year : 2012  |  Volume : 135  |  Issue : 1  |  Page : 56-63

Is RSBY India's platform to implementing universal hospital insurance?

1 Erasmus University Rotterdam (Institute of Health Policy & Management), The Netherlands; Micro Insurance Academy, New Delhi, India
2 South Asia Network for Chronic Diseases, Public Health Foundation of India (PHFI), New Delhi, India

Correspondence Address:
David M Dror
246 Sant Nagar, (2nd floor), East of Kailash, New Delhi 110 065, India

Login to access the Email id

Source of Support: None, Conflict of Interest: None

DOI: 10.4103/0971-5916.93425

Rights and Permissions

Background & objectives: In 2008, India's Labour Ministry launched a hospital insurance scheme called Rashtriya Swasthya Bima Yojana (RSBY) covering 'Below Poverty Line' (BPL) households. RSBY is implemented through insurance companies; premiums are subsidized by Union and States governments (75 : 25%). We examined RSBY's enrolment of BPL, costs vs. budgets and policy ramifications. Methods: Numbers of BPL are obtained by following criteria of two committees appointed for this task. District-specific premiums are weighted to obtain national average premiums. Using the BPL estimates and national premiums, we calculated overall expected costs of full roll-out of the RSBY per annum, and compared it to Union government budget allocations. Results: By March 31, 2011, RSBY enrolled about 27.8 per cent of the number of BPL households following the Tendulkar Committee estimates (37.6% following the Lakdawala Committee criteria). The average national weighted premium was Rs. 530 per household per year in 2011. The expected cost of premium to the union government of enrolling the entire BPL population in financial year (FY) 2010-11 would be Rs. 33.5 billion using Tendulkar count of BPL (or Rs. 24.6 billion following Lakdawala count), representing about 0.3 per cent (or 0.2%, respectively) of the total union budget. The RSBY budget allocation for FY 2010-11 was only about 0.037 per cent of the total union budget, sufficient to pay premiums of only 34 per cent of the BPL households enrolled by March 31, 2011. Interpretation & conclusions: RSBY could be the platform for universal health insurance when (i) the budget allocation will match the required funds for maintenance and expansion of the scheme; (ii) the scheme would ensure that beneficiaries' rights are legally anchored; and (iii) RSBY would attract large numbers of premium-paying (non-BPL) households.

Print this article     Email this article
 Next article
 Previous article
 Table of Contents

 Similar in PUBMED
   Search Pubmed for
   Search in Google Scholar for
 Related articles
 Citation Manager
 Access Statistics
 Reader Comments
 Email Alert *
 Add to My List *
 * Requires registration (Free)

 Article Access Statistics
    PDF Downloaded692    
    Comments [Add]    
    Cited by others 24    

Recommend this journal