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Tytuł pozycji:

Protecting the economic health of the poor in India: Are health mutuals the right medicine?

Tytuł :
Protecting the economic health of the poor in India: Are health mutuals the right medicine?
Autorzy :
Madhur, Sunit Kumar
Saha, Somen
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Temat :
HEALTH insurance
FINANCIAL risk
BUSINESS models
MICROINSURANCE
HEALTH products
Źródło :
Development Policy Review; Nov2019, Vol. 37 Issue 6, p843-853, 11p
Terminy geograficzne :
INDIA
Czasopismo naukowe
In addition to government‐sponsored health insurance schemes (GSHIS), many microfinance institutions (MFIs) and community‐based organizations (CBOs) in India have started microinsurance health insurance schemes. These include health mutuals for the benefit of their members. This article explores these as an alternative health‐financing model in India. A literature search produced 926 relevant publications. After applying advanced search options and removing duplicates, abstracts of 324 papers were read and then 47 papers reviewed, and finally 29 were included in this review. Five key themes emerged: (1) "Health for all" arguments and opportunities in favour of micro health insurance schemes; (2) micro health insurance products; (3) impact of micro health insurance schemes; (4) systematic irregularities and regulatory framework; and (5) innovation. We also look at the emerging market patterns that will define micro health insurance products. Health mutuals can effectively provide mass health protection to the poor and not so poor through efficient business models, bespoke benefit packages and multiple payment plans. They can reduce financial vulnerability and improve health outcomes. While GSHIS can cover a substantial tranche of expected health‐related costs, the balance can be supplemented through innovative financial products that reduce financial risk. [ABSTRACT FROM AUTHOR]
Copyright of Development Policy Review is the property of Wiley-Blackwell and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
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