What is a Health Card worth? An Evaluation of an Outpatient Health Insurance Product in Rural India

by Ajay Mahal, Karuna Krishnaswamy, Rupalee Ruchismita et al.
International Labour Office, Research Paper No.30, February 2013

33 pp. 1.2 MB:

In 2009, a pilot project was implemented in which low-skilled resident Community Health Workers (CHW) were trained and deployed in 50 villages in Yavatmal in Maharashtra, India, to offer first-level primary and preventive care consultations. The CHWs either made referrals to a doctor in a nearby town, or prescribed another course of action. The CHWs further sold an outpatient health insurance product and a range of preventive products. This paper presents the findings of a randomised controlled trial that evaluated the impact of the initiative on the targeted population. It was found that people with the health insurance card that permitted cashless visits to the CHWs had different outcomes compared to people who visited the CHWs without insurance.

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