ABSTRACT

The National Health Insurance Scheme aims to improve poor people’s access to quality and reduce out-of -pocket expenditure on health care in India. Poverty and ill health are close related to each other. The poor are often unable to availed the smooth consumption across periods of ill health and also excess of incurred expenditure on health are a major concerned of individuals to push into poverty as seen across the world. The objective is based on to excess to show the state-wise coverage of self reported enrolment in any health insurance schemes by age, gender, area, Socio-economic status, education, Religion, social group and Marital status of the individuals. A stratified two-stage sampling design was adopted during the study. The study is extracted from national survey, NSSO, conducted January-June 2014 in every states of India. First stage sampling, the selection of census village in the rural areas and urban frame survey block in the urban sector. In second stage, household was selected by using random sampling. Survey covered 65,932 households and 333,104 persons were interviewed all over 36 states of India. All state showed average monthly expenditure Rs.8665 and monthly per capita expenditure Rs.1913. All over states showed 15.1% self reported enrolment in any health insurance. Maximum self reported insurance were found for Mizoram (77.5%), Telengana (59.6%), Andhra Pradesh (58.2%), Chhattisgarh (40.8%), Kerala (37.7%), Nagaland (29.8%) whereas minimum enrolment were obtained for Madhya Pradesh (3.3%),Uttaranchal (2.2%), A & N Island (1.3%), Manipur (1.0%) and Lakshadweep (0.1%) respectively and reaming states showed enrolment between 2.4% and 4.4%. Since study covered only 15.1% individuals all over India. In order to bring significant increase in enrolment, government need to frame their policy, need to start awareness programme at ground levels. Government need to maximise their infrastructure and funds. As mostly policy in India (Private and public) is based on inpatient care only. So, government need to frame policies of out-patients care too and need to universalize in all states of India. States and centres maximum insurance policy are applicable only for poor populations, need to involves the other population in order to maximise the coverage of any health insurance schemes