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Comprehensive Health Insurance Scheme (CHIS) in Kerala is a modification of the national social health insurance scheme called Rashtriya Swasthya Bima Yojana (RSBY). We aimed to (a) compare the socio-demographic and health utilization pattern (outpatient and inpatient services) of below poverty line (BPL) households insured under CHIS; (b) find the percentage hospitalization covered by CHIS; and (c) examine the out-of-pocket expenses for inpatient services.

Utilization of comprehensive health insurance scheme, Kerala: a comparative study of insured and uninsured BPL households