Chinmaya IAS Academy – Current Affairs Chinmaya IAS Academy – Current Affairs
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World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is “Out of Pocket” (OoP). A report by the World Health Organisation has shown that around 3.2% of Indians would fall below the poverty line because of high OoP health expenditure. Thus, a national health insurance scheme like the Ayushman Bharat is welcome.While the principle of insuring a vulnerable opulation is widely accepted, what is contentious is the model that the government has adopted — that of using insurance companies. High premiums are paid for these schemes. Ayushman Bharat, for instance, has enhanced the Rashtriya Swasthya Bima Yojana (RSBY) of the United Progressive Alliance government, to cover around 11 crore families with a yearly coverage of Rs. 5 lakh. Experts estimate this will require Rs. 25,000 crore per year, when fully implemented. Similarly, the Central and State governments jointly paid Rs. 17,796 crore for crop insurance (2017-18) under the Pradhan Mantri Fasal Bima Yojana (PMFBY).
Source : https://www.thehindu.com/todays-paper/tp-opinion/get-the-model-right/article25572197.ece
