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Fair play in Indian Health Insurance

Shefali Malhotra (), Ila Patnaik (), Shubho Roy () and Ajay Shah ()
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Shefali Malhotra: National Institute of Public Finance and Policy
Ila Patnaik: National Institute of Public Finance and Policy
Shubho Roy: National Institute of Public Finance and Policy

Working Papers from National Institute of Public Finance and Policy

Abstract: In recent years there has been an increased role for health insurance in Indian health care, through government funded health insurance programs and privately purchased health insurance. Our analysis of the claims ratio and the complaints rate in the health insurance industry, suggests that there are important difficulties with the working of health insurance. The lack of fair play in this industry is derived from deficiencies in regulations, weak enforcement of regulations and faulty institutional design of consumer redress. The solutions lie in laws and regulatory processes for consumer protection. Examination of health policy and financial policy,together would formulate a strategy for change.

New Economics Papers: this item is included in nep-hea and nep-ias
Date: 2018-05
Note: Working Paper 228, 2018
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