Mini, P P; Dr.Arunachalam, P(Cochin University Of Science And Technology, June , 2013)
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Abstract:
Health insurance has become a necessity for the common man,
next to food, clothing and shelter. The financing of health expense is either catastrophic or sometimes even frequently contracted illnesses, is a
major cause of mental agony for the common man. The cost of care may
sometimes result in the complete erosion of the family savings or may
even lead to indebtedness as many studies on causes of rural
indebtedness bear testimony (Jayalakshmi, 2006). A suitable cover by way
of health insurance is all that is required to cope with such situations.
Health care insurance rightly provides the mechanism for both
individuals and families to mitigate the financial burden of medical
expenses in the present context. Hence a well designed affordable health
insurance policy is the need of the hour.Therefore, it is very significant to study the extent to which the
beneficiaries in Kerala make use of the benefits provided by a social health
insurance scheme like RSBY-CHIS. Based on the above pertinent points, this
study assumes national relevance even though the geographical area of the
study is limited to two districts of Kerala. The findings of the study will bring
forth valuable inputs on the services availed by the beneficiaries of RSBYCHIS
and take appropriate measures to improve the effectiveness of the scheme
whereby maximum quality benefit could be availed by the poorest of the poor
and develop the scheme as a real dawn of the new era of health for them
Description:
Department of Applied Economics,
Cochin University of Science and Technology