In response to a formal request from India’s Ministry of Health and
Family Welfare (MOHFW), the World Bank undertook research on the
country’s major central and state government-sponsored health insurance
schemes (GSHISs). Their organizational design features, spending,
impacts, challenges, and potential for contributing to the achievement of
universal coverage were assessed. This book presents the first comprehensive
and systematic review of all major GSHISs operating in India. The
analytical focus, however, is on the GSHISs launched since 2007. These
schemes targeted poor populations.
This book reports the findings from three central-level schemes and six
state schemes. The central schemes include the Employees’ State Insurance
Scheme (ESIS), Rashtriya Swasthya Bima Yojana (RSBY) scheme, and
Central Government Health Scheme (CGHS). At the state level, the
schemes include the Rajiv Aarogyasri (Andhra Pradesh, AP), Yeshasvini,
(Karnataka, KA), Vajpayee Arogyashri (Karnataka, KA), Kalaignar1
(Tamil Nadu, TN), RSBY Plus (Himachal Pradesh, HP), and the proposed
Apka Swasthya Bima Yojana (Delhi).