Student Dissertation

Agency : BSBY; Bhamasha Swasthya Bima Yojana; Health Insurance; Rajasthan

Objective : • To obtain the overall comprehensive understanding of BSBY in terms of the functioning of the scheme. • To explore the utilization of benefits in empaneled hospitals among the BHAMASHA beneficiaries. • Methodology: - • Study Design: Descriptive • Data collection procedure: Secondary data is collected and analyzed of the running policy in the state from internet, RFP & Claims dump available in the office Data analysis: Data will be analyzed with the help of advanced Microsoft excel function

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Recommendations : The World Health Organization (WHO 1946) constitution states that health is one of the fundamental rights of every human being and they should enjoy the highest attainable standard of healthcare. This can be achieved by healthcare organization or institutes including government and non-government by delivering quality services to the needy population. Further, health services are essential to promote human welfare, contributing to economic and social development vice versa the progress and growth of any country. This goal was one of the major reasons behind ALMA ATA declaration (1987) and later it was changed to the goal of HEALTH FOR ALL (HFA). It emerged as a major milestone of 20th centuries in the field of public health and it identified primary health care as keen to achieve HFA. The United Nations (UN 2000) initiated. Millennium Development Goals (MDGs) and emphasized a holistic approach for the development of humans where respective governments, civil society, and other partners will work together for the achievement of goals. Some countries could have achieved these goals while others were far from achieving these goals. Based on the various framework, the goals of any health system are: • Improving the health of the populations; • Responsiveness, i.e., improving the patient experience of care (Quality and Satisfaction) • Fair financing, i.e., providing financial protection against the costs of ill-health Health system requires a network of interrelated components that needs to work coherently but contrary to this, it has been found that the key components such as financing, insurance, delivery and payments mechanisms become loosely coordinated and remain unstandardized. Each of these functional areas represents an amalgam of the public and private health resource system. Throughout this, the way to finance the health system is critical to provide care and quality services to the target population. Based on the various health care systems across the world, Health care financing has two broad approaches -government financed and market-based. Both approaches having different advantages and disadvantages and none of them is perfect in all aspects.


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