연구정보
[경영] A Report on Voluntary Health Insurance in India: A Bridge Towards Universal Coverage?
인도 국외연구자료 연구보고서 - CSEP 발간일 : 2023-11-01 등록일 : 2023-11-12 원문링크
This paper presents a detailed review and analysis of India’s health insurance landscape, with a focus on voluntary health insurance (VHI). This review aims to provide various stakeholders (especially providers, employers, insurance companies, pharmaceutical firms, and government and non-government policy thinkers) an assessment of all the factors to be considered when envisioning expansion of health care coverage for the population by enhancing financial protection through insurance. In the quest towards attaining universal health coverage (UHC), insurance has become a dominant financing model globally. Most high-income countries have a national insurance scheme as in Germany and Canada, or a national health service funded through general taxation as in the United Kingdom (UK). In low-and-middle-income countries (LMICs), due to the low priority accorded to health as well as budget constraints, health financing is fragmented. Financing includes a mix of mandatory insurance schemes for the formal sector, voluntary insurance schemes (mostly commercial and privately managed, but could be managed by the public sector as well) for those not covered by a mandatory insurance, targeted insurance schemes for the poor, and a high proportion of out-of-pocket (OOP) spending. Voluntary Health Insurance is therefore, one of the insurance schemes covering the population.
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