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Government is both Financial and Service Provider in Health Sector in India Government spends only 1% of GDP on Health Government is suppose to provide free health care to the population across India with their own infrastructure at different levels However, the ground level situation is very different
People spend on an Average Rs. 3000 (USD 50) even when they are hospitalised in a Government hospital Though the facilities per se are free but a lot of these expenditure is related to the medicines, diagnostic tests, food, transportation etc.
To take care of these expenditures people often have to borrow money or sell assets 7.6% of households fall BPL due to healthcare payments.
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Benefits
What is RSBY
Hospitalisation cover with a limit per family per annum on a family floater basis (Upto five family members) All hospitalisation is covered and for 1400 surgical packages including Maternity & Newborn Care rates are pre-defined All Pre-existing Diseases to be covered Pre and post hospitalisation Expenses covered Transport Allowance
Both Public and Private providers can be empanelled Beneficiary can get cashless treatment in empanelled hospital
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State Government set up an independent nodal agency to implement the scheme Insurance Company is selected through an open tendering process A list of potential beneficiaries is prepared based on defined criteria for different categories Insurance Companies need to go the field and enroll beneficiaries in the village after taking fingerprint and photo
A smart card is printed and given on the spot and a Government representative authenticates it by his/ her smart card and fingerprint
A beneficiary can go to any public and private empanelled hospital and get cashless treatment through smart card Data flows every day from each hospital to the insurer and Govt.
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SS DD BB VVV YY 00000 #
District Village Serial No.
Enrollment Station
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Cards issued App. 37.5 million People enrolled Appr. 136 million Number of People benefitted till now Appr. 6.3 million Number of Hospitals Empanelled Appr. 11,000 States and UT where Service delivery has started Twenty Eight Number of Insurance Companies Involved Seventeen
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700
600
500
400
314
300
276
200
100
0 Average Premium for Fresh Districts in 2008 Round 1 Average Premium for Fresh Districts in 2009 Round 2 Average Premium for Fresh Districts in 2010 Round 3 Average Premium for Fresh Districts in 2011 Round 4 Average Premium for Fresh Districts in 2012 Round 6 Average Premium for Fresh Districts in 2013 (incl freshly tendered)
Round 5
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Hospitalisation Ratio
Hospitalisation Ratio
6.00% 5.04% 5.00%
100% 90%
4.00%
80% 70%
42%
42% 54%
3.00% 2.20% 2.00% 1.00% 0.00% Round 1 completed (345 disticts) Round 2 completed (252 districts) Round 3 (81 districts) 1.90%
60%
50% 40% 30% 20% 10% 0% Round 1 Male Hospitalization Ratio Round 2 Round 3 58%
58%
46%
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298 Districts where Two Years has been Completed 364 Districts where One Year has been Completed
120.00% 100.00% 80.00% 60.00% Money Left with the Insurance Company 24% 40.00% 20.00% -1.26% 0.00% -20.00% Expenditure by Insurance Company 76% Expenditure by Insurance Company Money Left with the Insurance Company 101.26%
40.00% 20.00%
0.00% -20.00% Expenditure by Insurance Company -4.40% Money Left with the Insurance Company
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Physical
Improved Quality Care
Beneficiary
Mental
Social
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In the worst extremists affected areas also RSBY has been able to provide benefits to people Healthy Competition between Public and Private Hospitals
Incentives for staff of public hospitals from Insurance money Public hospitals are earning more and more through RSBY Setting up of Hospitals by Private sector in remote areas
Success So Far
Improvement in quality of services provided at the hospitals Delivery of services with almost no leakages Use of IT ensure that Insurance Company and Government gets data daily from the Hospitals
This data is analysed for patterns/ spikes/ Frauds and action taken and more than 250 hospitals have been de-empanelled till now
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www.rsby.gov.in
Beneficiary Data Preparation Improving Enrollment Information dissemination Capacity Building Prevention, Early Detection of Fraud and Abuse Improving Quality of Health Care Linking Primary Care with inpatient benefits
Challenges
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In both the experiments, the provision of Outpatient benefits is done through the intermediation of Insurers
Now more experiments on providing OPD has started
Initial results are quite positive and cost of inpatient care has come down where outpatient care is covered
At present Primary Care experiments are being designed including prevention and promotion
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Curative Continuum
Tertiary Care
Secondary Care
Common Storage Area - Family demographic details - Biometric details of RSBY family
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Capacity Building at each levels for all the stakeholders Provide Primary care benefits including prevention integrated with RSBY Store Health related data on the smart card Use the Smart Card for other targeted interventions Cooperating with Countries which are interested in RSBY
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www.rsby.gov.in
Learnings for Us
RSBY uses following to effective reach its objectives
Create a dedicated body responsible for design and implementation Keep provision for flexibility later as design may change with experience Focus on details and develop details for each process Effective use of Technology Smart card provided a good solution to our scenario where connectivity is not always there and need to prevent frauds and leakages Without partnership with Private Sector e.g. Insurance Companies, IT Companies and Hospitals Development of Business model so that everybody has incentive to work towards this Initially keeping it low profile helped
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If you believe you have a reasonably good UHC plan it is better to start than keep waiting perfect design (often the biggest enemy of good is best) We must leverage the private sector and their strengths as they can compliment in the efforts of the Government Buy-in of stakeholders is very important for success From fixing Targets to a model of developing Business models for Social sector schemes is the way forward Generate regular evidence to feed into policy design and keep improving Technology today has power to change Focus should be on ease of access for Beneficiary than easy of implementation for Government
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Thank You
nishant.jain@giz.de
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