Journal of Rural Development

Open Access Open Access  Restricted Access Subscription Access
Open Access Open Access Open Access  Restricted Access Restricted Access Subscription Access

Access, Utilisation and Challenges of Biju Krushak Kalyan Yojana (BKKY):A Case Study from Odisha, India


Affiliations
1 Department of Economics, Pillai HOC College of Arts, Science and Commerce, Rasayani Navi Mumbai, Maharasthra-410207, India
2 Department of A&A Economics, Utkal University, Vani Vihar, Bhubaneswar, Odisha - 751004, India
     

   Subscribe/Renew Journal


The present study tries to estimate the amount of benefit received by the insured from the BKKY and to identify the challenges faced by the insured in delivering the prescribed facilities. The study was based on both secondary and primary data. The primary data were collected from one block of the rural district in Odisha, India which was selected through multistage random sampling. For the study, 100 beneficiary households were selected randomly and data were collected through direct personal interviews by using structured schedules. Descriptive statistics are used to substantiate the objectives. The average claimed and received amount was Rs. 6566 and Rs. 3725, respectively. Only 56.71 per cent of the claimed amount was realised due to delay in an official procedure, mismatch of the fingerprint of beneficiaries, failure of networking of installed software, more amount of money deducted than released amount and exploitation involved in the delivery of facilities. So, the percentage of claim and receipt amount in terms of sum assured was 6.56 and 3.72 per cent, respectively. Another major issue is that even though the sum assured is available in respective cardholder, they are not claiming it. This is because of no proper enrolment procedure, lack of awareness, delay in sanctioning the claimed amount, non-cooperation of the hospital staff in delivering the services, low quality healthcare and non-supply of detail information about the hospitalisation expenditure. The government may create awareness among the insured. An immediate response may be provided by the hospital staff. The helpdesk counter may also supply detailed information to beneficiaries about hospitalisation expenditure to get an idea about their remaining sum assured.

Keywords

Biju Krushak Kalyan Yojana, Health Insurance, Odisha.
User
Subscription Login to verify subscription
Notifications
Font Size

  • Acharya, A., Vellakkal, S., Taylor, F., Masset, E., Satija, A., Burke, M., & Ebrahim, S. (2013). The impact of health insurance scheme for the informal sector in low and middle-income countries: A systematic review, policy research working paper, 6324, 1-46. http://documents.worldbank.org/curated/en/952181468340141917/pdf/wps6324.pdf

  • Aggarwal, A. (2009). Impact evaluation of India’s Yeshasvini community based health insurance programme, Health Economics, 19(S1), 5-35

  • Asuming, P. (2013). Getting the poor to enrol in health insurance and its effects on their health: Evidence from a field experiment in Ghana, Job Market Papers. https://pdfs.semanticscholar.org/8039/9e8e3aa35feddc620934d504c0a6ec016b7e.pdf

  • Bandyopadhyay, S., & Sen, K. (2017). Challenges of Rashtriya Swasthya Bima Yojana (RSBY) in West Bengal, India: An exploratory study, The International Journal of Health Planning Management, 1-15. https://onlinelibrary.wiley.com/doi/epdf/10.1002/hpm.2453

  • Dasgupta, R., Nandi, S., Kanungo, K., Nudy, M., & Neog, R. (2013). What the doctor said: A critical examination of design issues of the RSBY through provider perspectives in Chhattisgarh, Social Change 43(2), 227-243.

  • Doorslaer, E., O’Donnell, O., Eliya, R., Somanathan, A., Adhikari, S., Garg, C., Harbianto, D., Herrin, A., Hug, M., Ibragimova, S., Karan, A., Ng, C., Pande, B., Racelis, R., Tao, S., Tin, K., Tisayaticom, K., Vasavid, C., & Zhao, Y. (2006). Effect of payment for healthcare on poverty estimates in 11 countries in Asia: An analysis of household survey data, The Lancet, 368(9544), 1357-64.

  • Ekman, B. (2004). Community insurance in low-income countries: a systematic review of the evidence, Health Policy and Planning, 19(5) 249-270.

  • Fan, Y., Karan, A., & Mahal, A. (2012). State health insurance and out of pocket health expenditure in Andhra Pradesh, International Journal of Healthcare Finance and Economics, 12(3): 189-215.

  • Garg, C., & Karan, A. (2009). Reducing out of pocket expenditure to reduce poverty: A disaggregated analysis at rural-urban and state level in India, Health Policy and Planning, 24(2), 116-128.

  • Gesellschatft fur International Zusammenarbeit (GIZ). (2011). Health insurance for india’s poor, German Health Practice Collection, 1-40. https://health.bmz.de/ghpc/casestudies/Health_Insurance_India_ New/RSBY_EN_long-Oct-2011.pdf

  • Gill, H., & Shahi, A. (2012). Rashtriya Swasthya Bima Yojana in India- implementation, and impact. Zenith International Journal of Multidisciplinary Research, 2(5), 155-173.

  • Guindon, G. (2014). The impact of health insurance on health services utilisation and health outcomes in Vietnam. Health Economics, Policy and Law, 9(4), 359-82.

  • Indian Institute of Public Health, Bhubaneswar. Public Healthcare Systems in Odisha, a Brief Review, 2016-17, 1-65.

  • Jain, N. (2010). 56 million steps towards universal coverage: RSBY health insurance for the poor in India, GTZ System of Social Protection. 1-12. https://www.medbox.org/56-million-steps-towards-universal-coverage-rsby-health-insurance-for-the-poor-in-india/download.pdf

  • Kumar, S. (2010). Awareness, accessibility, and barriers to utilisation of RSBY among BPL households in Puri district, Odisha. http://www.slideshare.net/SudheirYadav/awareness-accessibility-and-barriers-in-utilisation-of-rastriya-swasthya-bima-yozna-services among-bpl-families-in-puri-district-odisha.

  • Liu, X., Tang, S., Yu, B., Phuong, N., Yan, F., Thien D., & Tolhurst, R. (2012). Can rural health insurance improve equity in healthcare utilisation? A comparison between China and Vietnam, International Journal for Equity in Health, 11(10), 1-9. https://equityhealthj.biomedcentral.com/articles/10.1186/1475-9276-11-10

  • Mini, P. (2013). Rashtriya Swasthya Bima Yojana- comprehensive health insurance scheme in Kerala: A study on the effectiveness and utilisation of the scheme with special reference to Ernakulum and Wayanad districts (doctoral thesis). https://dyuthi.cusat.ac.in/xmlui/bitstream/handle/purl/3685/Dyuthi-T1650.pdf?sequence=1

  • Mohanty, S., Chauhan, R., Mazumdar, S., & Srivastava, A. (2014). Out of pocket expenditure on healthcare among elderly and non-elderly households in India. Social Indicators Research, 115 (3), 1137-1157.

  • Nguyen, V. (2012). The impact of voluntary health insurance on healthcare utilisation and out of pocket payments: New evidence for Vietnam. Health Economics, 21(8), 946-966.

  • Odeyemi, I., Nixon, J. (2013). Assessing equity in healthcare through the national health insurance schemes of Nigeria and Ghana: A review based comparative analysis. International Journal for Equity in Health, 12(9), 1-18. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3626627/

  • Panda, B., & Rout, H. (2019). Does Public Health System Provide Adequate Financial Protection to Its Clients Through RSBY? An Exploratory Study of Tribal Odisha. Journal of Health Management, 21(4), 497–509.

  • Philip, N. (2011). Minor morbidity and utilisation of comprehensive health insurance scheme, Kerala: A comparative study of insured and uninsured BPL households in Trivandrum (Dissertation). 1-88. http://dspace.sctimst.ac.in/jspui/bitstream/123456789/2169/1/MPH_5994.pdf

  • Planning Commission. (2012). RSBY Studies in Chhattisgarh, 1-61 http://planningcommission.gov.in/data/ngo/csw/csw_rsby.pdf

  • Rajasekhar, D., Berg, E., Manjula, R., & Roy, S. (2011). Implementing health insurance, the rollout of Rashtriya Swasthya Bima Yojana in Karnataka. Economic and Political Weekly, 46(60), 56-63.

  • Rout, H. S. (2008): Socioeconomic Factors and Household Health Expenditure: The Case of Orissa. Journal of Health Management, 10(1): 101-118.

  • Sekyi, S., & Domanban, P. (2012). The effects of health insurance on outpatient utilisation and healthcare expenditure in Ghana. International Journal of Humanities and Social Science, 2(10): 40-49.

  • Sepehri, A. (2014). How much do I save if I use my health insurance card when seeking out patience care? Evidence from a low-income country. Health Policy and Planning, 29(2), 246-256.

  • Seshadri, T., Trivedi, M., Saxena, D., Soors, W., Criel, B., & Devadasanl, N. (2012). Impact of RSBY on enroled households: Lessons from Gujarat. BMC Proceedings, 6(5):1-2.

  • Shahrawat, R., & Rao, K. (2012). Insured yet vulnerable: Out of pocket payment and India’s poor, Health Policy and Planning, 27(3), 213-221.

  • Thakur, H. (2016). Study of awareness, enrolment, and utilisation of RSBY in Maharashtra, India. Frontiers in Public Health, 3(282), 1-13.

  • Thakur, H., & Ghosh, S. (2013). Case study report on social exclusion and (RSBY) Rashtriya Swasthya Bima Yojana in Maharashtra, Tata Institute of Social Sciences, 1-100. http://www.esocialsciences.org/Download/Download.aspx?fname=A20141111122321_33.pdf&fcategory=Articles&aid=6253

  • Tuppin, P., Drouin, J., & Mazza, M. (2010). Hospitalisation admission rate for low-income subject to full health insurance coverage in France. European Journal of Public Health, 21(5), 560-566.

  • Wagstaff, A. (2007). Health insurance for the poor: initial impact of vietnam’s healthcare fund for the poor, Development Research Group, World Bank Policy Research Working Paper 4134, 1-33.

  • https://openknowledge.worldbank. o rg/bitstream/handle/10986/7170/wps4134.pdf?sequence=1&isAllowed=y

  • Wu, Q. (2012). What cause the low enrolment rate and utilisation of RSBY: A qualitative study two poor countries in India (M.Sc dissertation). Liverpool School of Tropical Medicine, Liverpool, UK, 1-97. http://www.chsj.org/uploads/1/0/2/1/10215849/what_cause_the_low_enrolment_rate_and_utilisation_of_ rashtriya_swasthya_bima_yojna.pdf


Abstract Views: 250

PDF Views: 0




  • Access, Utilisation and Challenges of Biju Krushak Kalyan Yojana (BKKY):A Case Study from Odisha, India

Abstract Views: 250  |  PDF Views: 0

Authors

Babita Panda
Department of Economics, Pillai HOC College of Arts, Science and Commerce, Rasayani Navi Mumbai, Maharasthra-410207, India
Himanshu Sekhar Rout
Department of A&A Economics, Utkal University, Vani Vihar, Bhubaneswar, Odisha - 751004, India

Abstract


The present study tries to estimate the amount of benefit received by the insured from the BKKY and to identify the challenges faced by the insured in delivering the prescribed facilities. The study was based on both secondary and primary data. The primary data were collected from one block of the rural district in Odisha, India which was selected through multistage random sampling. For the study, 100 beneficiary households were selected randomly and data were collected through direct personal interviews by using structured schedules. Descriptive statistics are used to substantiate the objectives. The average claimed and received amount was Rs. 6566 and Rs. 3725, respectively. Only 56.71 per cent of the claimed amount was realised due to delay in an official procedure, mismatch of the fingerprint of beneficiaries, failure of networking of installed software, more amount of money deducted than released amount and exploitation involved in the delivery of facilities. So, the percentage of claim and receipt amount in terms of sum assured was 6.56 and 3.72 per cent, respectively. Another major issue is that even though the sum assured is available in respective cardholder, they are not claiming it. This is because of no proper enrolment procedure, lack of awareness, delay in sanctioning the claimed amount, non-cooperation of the hospital staff in delivering the services, low quality healthcare and non-supply of detail information about the hospitalisation expenditure. The government may create awareness among the insured. An immediate response may be provided by the hospital staff. The helpdesk counter may also supply detailed information to beneficiaries about hospitalisation expenditure to get an idea about their remaining sum assured.

Keywords


Biju Krushak Kalyan Yojana, Health Insurance, Odisha.

References





DOI: https://doi.org/10.25175/jrd%2F2020%2Fv39%2Fi2%2F127487