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Challenges of Rasthryia Swasthya Bima Yojana (RSBY) in West Bengal, India: An exploratory study
Author(s) -
Bandyopadhyay Satarupa,
Sen Kasturi
Publication year - 2017
Publication title -
the international journal of health planning and management
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.672
H-Index - 41
eISSN - 1099-1751
pISSN - 0749-6753
DOI - 10.1002/hpm.2453
Subject(s) - west bengal , health insurance , non profit , business , poverty , health care , state (computer science) , economic growth , socioeconomics , economics , business administration , computer science , algorithm
Summary This study reviews the economic viability of the Rashtriya Swasthya Bima Yojana (RSBY), India's landmark health insurance program for below poverty line (BPL) populations in West Bengal state of India. It addresses the issue through in‐depth analysis of literature, national and state level data, and a number of key stakeholder interviews. The study argues that the market failure conditions of this insurance model will continue to perpetuate losses for not only the state, but also for insurance companies, unless they adjust on a continuous basis for profit by raising the premium rate. This will further deplete state budgets for health care affecting the viability of the scheme in the long run.