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Health Insurance schemes and Inequality in health care expenditure in Northern state of India: Evidence form National survey
Saroj Kumar Rana

Last modified: 2018-08-07


Background: Insurance schemes are coping strategies as financing method for individuals for improving health care utilization and reducing the poverty due to rising incurred expenditure on health care. Objective is to see the Inequality in health care expenditure among insured and Non Insures households in Northern state of India.

Materials and Methods: Two-stages sampling was used for data collection, first stage sampling include the selection of census villages in the rural areas and urban frame survey block in the urban sector and second stage include selection households using random sampling. Unit level data is extract for northern states (Jammu &Kashmir, Himachal Pradesh, Punjab, and Haryana) and two union territories (Chandigarh and Delhi) from national wide household survey (NSSO-2014) conducting during January-June in 2014 in India.

Results:  Delhi (23%) shows maximum enrolment in insurance among northern states and government funded scheme found most. Top most quintile rich and richest among insured population shows more health care expenditure.

Conclusions: The study revealed that despite of health insurance schemes coverage, the significant health care expenditure incurred. Both schemes Government funded health insurance scheme and community based health insurance need to create cooperation and relation with each other as this will help in providing better, more efficient coverage.


Keywords: Community based Health insurance, Copy mechanism, Health care expenditure, Enrolment in any insurance, Government funded insurance schemes and Inequality in Health.