Volume : VIII, Issue : VI, June - 2019

HEALTH MICRO INSURANCE : A Study of Udupi District

Smt. Vijayalakshmi M, Dr. Ravindra Kumar B

Abstract :

The types of risks are multitude in complex forms. As the poor do not have access to adequate risk–management tools, they are often forced to deplete their financial, social, physical and human assets during their fight against multiple risks. The poor are considered to be more vulnerable to illnesses and epidemics .Health problems not only impact expenditure of the household, but also reduce the productivity and lessen the opportunity for growth. Any poverty alleviation strategy, must therefore, enhance the ability of the poor to deal with risks. Insurance is one of the risk dealing strategies. Insurance is a mechanism of pooling the risks and resources. However, India’s landscape of health insurance has undergone tremendous changes in the last few years with the launch of several health insurance schemes, largely initiated by central and state governments. Designing valuable and sustainable product in a cost effective way is inherently more complex for Health Micro–Insurances. Many exciting projects worldwide are working in the field and testing the innovative solutions. In this regard, an attempt has been made to analyse the impact of three main Health Micro–Insurance schemes prevailing in Udupi district, viz, Yeshaswini Scheme, Sampoorna Suraksha Programme and RSBY Scheme, in promoting health and economic status of the low–income people. The article also tries to understand the demand side and supply side challenges and delivers empirical insights for policy decision.

Article: Download PDF    DOI : https://www.doi.org/10.36106/paripex  

Cite This Article:

HEALTH MICRO INSURANCE : A STUDY OF UDUPI DISTRICT, Smt. Vijayalakshmi M, Dr. Ravindra Kumar B PARIPEX‾INDIAN JOURNAL OF RESEARCH : Volume-8 | Issue-6 | June-2019

Number of Downloads : 162

References :