An Analytic Study On Inclusive Micro- Insurance Ecosystems And Assessing How The Role Of Community Participation Helps Create Affordable Health Access For PWDs
- IJLLR Journal
- Dec 17, 2024
- 2 min read
Sreecharan.S, Saveetha School of Law, Saveetha Institute of Medical and Technical Sciences, Chennai
ABSTRACT
It can be seen through this research that the micro-insurance models which are provided by communities and how they can effectively address the problem of healthcare access by Persons with Disabilities (PWDs) in the developing regions, with an aim of understanding the best practices in deploying such models in rural Indian settings. The three important cases under focus are the Kudumbashree initiative in Kerala, the Arogya Raksha Yojana in Karnataka and the Swavalamban Health Insurance program in Maharashtra with each so far having pioneered a particular model of assisting their PWDs with community based insurance. By analysing case studies within an 18-month timeline, which was semi-structured, the research attempted to assess the impact of these models on reducing financial barriers and improving access to healthcare services. Under the Kerala model, using a combination of locality based groups, 60% of out-of-pocket payments were thrashed via the development of insurance groups by neighbourhood. Under the Karnataka model, integration of community health workers migrants led to an increase in healthcare coverage rates of PWDs by 52%. The misuse of technology was noted to be the success factor in the Maharashtra program where 80% of the target area population had been reached with modern payment systems for claims which were processed via mobile phones. The study shows that the retention rates of 85% in the Kerala model were linked to high women’s involvement and local administration engagement. Karnataka’s model performed well with regard to coverage of preventive care services while Maharashtra’s application of technology brought about cost savings of 40 per cent with regard to administration.
Keywords: Healthcare, Microinsurance, Financial-barrier, Community, Development
