Project description:Several publicly financed health insurance schemes have been launched in India with the aim of providing universalizing health coverage (UHC). In this paper, we report the impact of publicly financed health insurance schemes on health service utilization, out-of-pocket (OOP) expenditure, financial risk protection and health status. Empirical research studies focussing on the impact or evaluation of publicly financed health insurance schemes in India were searched on PubMed, Google scholar, Ovid, Scopus, Embase and relevant websites. The studies were selected based on two stage screening PRISMA guidelines in which two researchers independently assessed the suitability and quality of the studies. The studies included in the review were divided into two groups i.e., with and without a comparison group. To assess the impact on utilization, OOP expenditure and health indicators, only the studies with a comparison group were reviewed. Out of 1265 articles screened after initial search, 43 studies were found eligible and reviewed in full text, finally yielding 14 studies which had a comparator group in their evaluation design. All the studies (n-7) focussing on utilization showed a positive effect in terms of increase in the consumption of health services with introduction of health insurance. About 70% studies (n-5) studies with a strong design and assessing financial risk protection showed no impact in reduction of OOP expenditures, while remaining 30% of evaluations (n-2), which particularly evaluated state sponsored health insurance schemes, reported a decline in OOP expenditure among the enrolled households. One study which evaluated impact on health outcome showed reduction in mortality among enrolled as compared to non-enrolled households, from conditions covered by the insurance scheme. While utilization of healthcare did improve among those enrolled in the scheme, there is no clear evidence yet to suggest that these have resulted in reduced OOP expenditures or higher financial risk protection.

Project description:BackgroundGovernment-sponsored health insurance schemes (GSHIS) aim to improve access to and utilization of healthcare services and offer financial protection to the population. India's Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is one such GSHIS. This paper aims to understand how the processes put in place to manage hospital-based transactions, from the time a beneficiary arrives at the hospital to discharge are being implemented in PM-JAY and how to improve them to strengthen the scheme's operation.MethodsGuidelines were reviewed for the processes associated with hospital-based transactions, namely, beneficiary authentication, treatment package selection, preauthorization, discharge, and claims payments. Across 14 hospitals in Gujarat and Madhya Pradesh states, the above-mentioned processes were observed, and using a semi-structured interview guide fifty-three respondents were interviewed. The study was carried out from March 2019 to August 2019.ResultsAverage turn-around time for claim reimbursement is two to six times higher than that proposed in guidelines and tender. As opposed to the guidelines, beneficiaries are incurring out-of-pocket expenditure while availing healthcare services. The training provided to the front-line workers is software-centric. Hospital-based processes are relatively more efficient in hospitals where frontline workers have a medical/paramedical/managerial background.ConclusionsThere is a need to broaden capacity-building efforts from enabling frontline staff to operate the scheme's IT platform to developing the technical, managerial, and leadership skills required for them. At the hospital level, an empowered frontline worker is the key to efficient hospital-based processes. There is a need to streamline back-end processes to eliminate the causes for delay in the processing of claim payment requests. For policymakers, the most important and urgent need is to reduce out-of-pocket expenses. To that end, there is a need to both revisit and streamline the existing guidelines and ensure adherence to the guidelines.

Project description:BackgroundReducing patient expenditure and expanding healthcare access through private sector hospitals is widely touted strategy for governments to achieve Universal Health Care, including in India. However, private sector engagement in India's publicly funded health insurance schemes (PFHIS) remains low and is uneven across geographies and by hospitals size. This paper examines challenges to achieving effective private sector engagement in PFHIS by analysing private sector participation and exploring diverse stakeholder perspectives.MethodsThis case study used sequential mixed methods design and was conducted in 2023-24 in Maharashtra, India. We combined quantitative analysis of the geographic distribution of empanelled private hospitals (993 across Maharashtra's 36 districts) and qualitative interviews (n = 16) with diverse stakeholders to understand why some facilities do not engage. The analysis was guided by our framework on private sector engagement that examined policy factors, hospital level factors and operational factors.ResultsOnly 13% of private hospitals were empanelled in Maharashtra's PFHIS, with higher empanelment in urban areas and among small and medium sized hospitals; rural areas had few empanelled hospitals and few large private hospitals participated. Districts with few empanelled private hospitals had lower overall hospitalization rates, suggesting persistent unmet population need for affordable hospitals. Low private sector engagement was driven by multiple factors: at the policy level, insufficient state budgets, low reimbursement rates, fixed scheme packages, strict empanelment criteria, complex claims processes, and delayed reimbursements; at the hospital level, economic non-viability, concerns about patient load and profile, and limited administrative capacities; and at the operational level, inadequate monitoring mechanisms for PFHIS and empanelled hospitals, gaps in the empanelment process, and delays in patient pre-authorization and claims processing.ConclusionThis study enhances understanding of private sector engagement challenges and provides insights for improving PFHIS and UHC in India. The framework developed can also be applied beyond India to assess the complexities of intent, capacity, and interactions between private and public actors in PFHIS. To create an enabling environment for private sector engagement and achieve the scheme's objectives, the state could increase reimbursement rates, implement responsive grievance redressal, regulate private hospitals, and improve governance processes. A two-fold strategy of strengthening the public health system and engaging with regulated private hospitals could enhance the scheme's effectiveness.

Project description:ObjectiveDespite provision of accreditation of private sector health providers in government-led schemes for maternity services in India, their participation has been low. This has led to an underutilisation of their presence, resources and expertise for providing quality maternal and newborn health services. This study explores the perception of various stakeholders on expectations, benefits, barriers and facilitators to private sector participation in government-led schemes-specifically Janani Suraksha Yojana (JSY)-for maternity service delivery.DesignNarrative-based qualitative study. Face-to-face in-depth interviews were conducted with study participants. The interviews were transcribed, translated and analysed using a reflexive and inductive approach to allow codes, categories and themes to emerge from within the data.SettingPrivate obstetricians, government health officials and FOGSI (Federation of Obstetrics and Gynaecological Societies of India) members, Jharkhand and Uttar Pradesh, India.ParticipantsEighteen purposefully selected private obstetricians from 9 cities across states of Uttar Pradesh and Jharkhand, 11 government health officials and 2 FOGSI members.ResultsThe major factors serving as barriers to participation of private practitioners in JSY-which emerged on thematic analysis-were low reimbursement amounts, delayed reimbursements, process of interaction with the government and administrative issues, previous experiences and trust deficit, lack of clarity on the accreditation process and patient-level barriers. On the other hand, factors which were facilitators to participation of private practitioners were ease of process, better communication, branding, motivation of increasing clientele as well as satisfaction of doing social service.ConclusionFactors such as financial processes and administrative delays, mistrust between the stakeholders, ambiguity in processes, lack of transparency and lack of ease in the process of empanelment of private sector are hindering effective public-private partnerships under JSY. Simplifying and strengthening the processes, communication strategies and branding can help revitalise it.

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