Taking a cue out of health insurance schemes down south
Hindustan TimesAyushman Bharat, the government’s flagship health insurance scheme, has rekindled the hope for moving towards universal coverage of hospitalisation costs in India, but the initial spark was ignited by Yeshasvini, the health insurance scheme for rural farmers and peasants, initiated on a modest scale in Karnataka in 2003. The Tamil Nadu health insurance scheme spent about ₹225 per enrollee in 2016, while Andhra Pradesh and Telangana spent an average of ₹140 per enrollee, as against the Centre’s RSBY, which spent about ₹80 per enrollee. The health insurance provided by Tamil Nadu, Andhra Pradesh and Karnataka’s Vajpayee Aarogyasree schemes essentially covers tertiary-care medical procedures and interventions, which are considered catastrophic in nature if the families have to pay on their own. The Tamil Nadu and Andhra Pradesh medical insurance schemes cover about 1,016 and 1,044 medical procedures respectively, with 56 and 133 high volume medical procedures reserved for provision only in public healthcare facilities respectively. Available evidence suggests that over 43% of all hospitalisation, under the health insurance scheme in Tamil Nadu, took place in government hospitals in 2016.