Impact of Rashtriya Swasthya Bima Yojna on Below Poverty Line Population: An Interstate Analysis

The study is an endeavour to study the impact of Rashtriya Swasthya Bima Yojna (RSBY) on the below poverty line (BPL) population in 30 states of India. In order to identify the impact, the study focused on four key performance indicators (KPIs)—claims ratio (utility to the beneficiaries), conversion ratio (to measure depth of outreach subject to the quality of the BPL list), hospitalization ratio (to gauge utilization) and total expense ratio (to evaluate profitability to the insurer). These KPIs are analyzed from aggregated state-level data for the first year of operations from 24 states, for the second year from 17 states and for the third year from five states. This analysis fills us with a sense of achievement. The results revealed that the first year under the RSBY was a period for experience gain and the scheme and processes there under are gradually stabilizing but there is still much to be done. An appraisal of the scheme attempted on the basis of experience gained in second and third round focused to acknowledge that the scheme has indeed been successful.
Source: Journal of Health Management - Category: Health Management Authors: Tags: Articles Source Type: research