Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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</span></span></code>
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</span></span></code></pre><pre id="cakeErr67f824427224e-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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-The Telegraph&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;
&lt;br /&gt;
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;
&lt;br /&gt;
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;
&lt;br /&gt;
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;
&lt;br /&gt;
The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;
&lt;br /&gt;
The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;
&lt;br /&gt;
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
&lt;/div&gt;&#039;,
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Telegraph&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;&lt;br /&gt;The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;&lt;br /&gt;Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;&lt;br /&gt;The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;&lt;br /&gt;The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;&lt;br /&gt;The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;&lt;br /&gt;The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot; title=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;&lt;/div&gt;&#039;,
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-The Telegraph&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;
&lt;br /&gt;
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;
&lt;br /&gt;
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;
&lt;br /&gt;
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;
&lt;br /&gt;
The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;
&lt;br /&gt;
The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;
&lt;br /&gt;
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...&#039;
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Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on..."/>
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                <strong>Health study flags insurance holes -GS Mudur</strong></h1>
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                <div align="justify">-The Telegraph<br /><br /><em>Hospitalisation cover does not protect families from catastrophic expenses<br /></em><br />A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.<br /><br />The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.<br /><br />&ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.<br /><br />Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.<br /><br />The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &mdash; or 40 per cent of the population &mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&rsquo;s premium on a 60:40 ratio.<br /><br />The three-state study probed health-care spending by households covered by earlier government-funded schemes &mdash; such as the Centre&rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &mdash; and private health insurance.<br /><br />The households covered by the Centre&rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).<br /><br />The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.<br /><br />Please <a href="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page" title="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page">click here</a> to read more. <br /></div>               </font>
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-The Telegraph&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;
&lt;br /&gt;
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;
&lt;br /&gt;
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;
&lt;br /&gt;
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;
&lt;br /&gt;
The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;
&lt;br /&gt;
The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;
&lt;br /&gt;
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Telegraph&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;&lt;br /&gt;The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;&lt;br /&gt;Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;&lt;br /&gt;The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;&lt;br /&gt;The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;&lt;br /&gt;The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;&lt;br /&gt;The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot; title=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;&lt;/div&gt;&#039;,
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-The Telegraph&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;
&lt;br /&gt;
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;
&lt;br /&gt;
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;
&lt;br /&gt;
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;
&lt;br /&gt;
The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;
&lt;br /&gt;
The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;
&lt;br /&gt;
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...&#039;
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on..."/>
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                <strong>Health study flags insurance holes -GS Mudur</strong></h1>
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                <div align="justify">-The Telegraph<br /><br /><em>Hospitalisation cover does not protect families from catastrophic expenses<br /></em><br />A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.<br /><br />The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.<br /><br />&ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.<br /><br />Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.<br /><br />The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &mdash; or 40 per cent of the population &mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&rsquo;s premium on a 60:40 ratio.<br /><br />The three-state study probed health-care spending by households covered by earlier government-funded schemes &mdash; such as the Centre&rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &mdash; and private health insurance.<br /><br />The households covered by the Centre&rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).<br /><br />The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.<br /><br />Please <a href="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page" title="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page">click here</a> to read more. <br /></div>               </font>
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-The Telegraph&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;
&lt;br /&gt;
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;
&lt;br /&gt;
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;
&lt;br /&gt;
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;
&lt;br /&gt;
The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;
&lt;br /&gt;
The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;
&lt;br /&gt;
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...&#039;,
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-The Telegraph&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;
&lt;br /&gt;
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;
&lt;br /&gt;
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;
&lt;br /&gt;
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;
&lt;br /&gt;
The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;
&lt;br /&gt;
The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;
&lt;br /&gt;
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Telegraph&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Hospitalisation cover does not protect families from catastrophic expenses&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;A three-state study has found that India&amp;rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.&lt;br /&gt;&lt;br /&gt;The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&amp;rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.&lt;br /&gt;&lt;br /&gt;Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.&lt;br /&gt;&lt;br /&gt;The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &amp;mdash; or 40 per cent of the population &amp;mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&amp;rsquo;s premium on a 60:40 ratio.&lt;br /&gt;&lt;br /&gt;The three-state study probed health-care spending by households covered by earlier government-funded schemes &amp;mdash; such as the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &amp;mdash; and private health insurance.&lt;br /&gt;&lt;br /&gt;The households covered by the Centre&amp;rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).&lt;br /&gt;&lt;br /&gt;The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot; title=&quot;https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page&quot;&gt;click here&lt;/a&gt; to read more. &lt;br /&gt;&lt;/div&gt;&#039;
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on..."/>
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                <strong>Health study flags insurance holes -GS Mudur</strong></h1>
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                <div align="justify">-The Telegraph<br /><br /><em>Hospitalisation cover does not protect families from catastrophic expenses<br /></em><br />A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.<br /><br />The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.<br /><br />&ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.<br /><br />Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.<br /><br />The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &mdash; or 40 per cent of the population &mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&rsquo;s premium on a 60:40 ratio.<br /><br />The three-state study probed health-care spending by households covered by earlier government-funded schemes &mdash; such as the Centre&rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &mdash; and private health insurance.<br /><br />The households covered by the Centre&rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).<br /><br />The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.<br /><br />Please <a href="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page" title="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page">click here</a> to read more. <br /></div>               </font>
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-The Telegraph<br />
<br />
<em>Hospitalisation cover does not protect families from catastrophic expenses<br />
</em><br />
A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.<br />
<br />
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.<br />
<br />
&ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.<br />
<br />
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.<br />
<br />
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &mdash; or 40 per cent of the population &mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&rsquo;s premium on a 60:40 ratio.<br />
<br />
The three-state study probed health-care spending by households covered by earlier government-funded schemes &mdash; such as the Centre&rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &mdash; and private health insurance.<br />
<br />
The households covered by the Centre&rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).<br />
<br />
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.<br />
<br />
Please <a href="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page">click here</a> to read more. <br />
</div>',
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...',
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-The Telegraph<br />
<br />
<em>Hospitalisation cover does not protect families from catastrophic expenses<br />
</em><br />
A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.<br />
<br />
The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.<br />
<br />
&ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.<br />
<br />
Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.<br />
<br />
The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &mdash; or 40 per cent of the population &mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&rsquo;s premium on a 60:40 ratio.<br />
<br />
The three-state study probed health-care spending by households covered by earlier government-funded schemes &mdash; such as the Centre&rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &mdash; and private health insurance.<br />
<br />
The households covered by the Centre&rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).<br />
<br />
The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.<br />
<br />
Please <a href="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page">click here</a> to read more. <br />
</div>',
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$metaTitle = 'LATEST NEWS UPDATES | Health study flags insurance holes -GS Mudur'
$metaKeywords = 'Pradhan Mantri Jan Arogya Yojana,Pradhan Mantri Jan Arogya Yojana (PM-JAY),ayushman bharat-national health protection scheme (ab-nhps),Ayushman Bharat - Pradhan Mantri Jan Aarogya Yojana (AB-PMJAY),Ayushman Bharat,Health Insurance,Rashtriya Swasthya Bima Yojana'
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-The Telegraph

Hospitalisation cover does not protect families from catastrophic expenses

A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on...'
$disp = '<div align="justify">-The Telegraph<br /><br /><em>Hospitalisation cover does not protect families from catastrophic expenses<br /></em><br />A three-state study has found that India&rsquo;s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care.<br /><br />The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services.<br /><br />&ldquo;Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,&rdquo; health economists who analysed health-care spending by 12,134 households in the three states said in their report.<br /><br />Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk.<br /><br />The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households &mdash; or 40 per cent of the population &mdash; that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme&rsquo;s premium on a 60:40 ratio.<br /><br />The three-state study probed health-care spending by households covered by earlier government-funded schemes &mdash; such as the Centre&rsquo;s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year &mdash; and private health insurance.<br /><br />The households covered by the Centre&rsquo;s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent).<br /><br />The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY.<br /><br />Please <a href="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page" title="https://www.telegraphindia.com/health/health-study-flags-insurance-holes/cid/1684197?ref=india_india-page">click here</a> to read more. <br /></div>'
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Health study flags insurance holes -GS Mudur

-The Telegraph Hospitalisation cover does not protect families from catastrophic expenses A three-state study has found that India’s government-funded or private health insurance schemes that pay for hospitalisation have not adequately protected households from catastrophic health expenditures and rekindled the debate on how to achieve universal health care. The study that examined sample households in Gujarat, Haryana and Uttar Pradesh found 28 per cent of insured households and 26 per cent of uninsured households faced catastrophic health expenditure that significantly altered their expenses on essential services. “Health insurance in its present form does not seem to provide requisite improvement in access to (health) care or financial risk protection,” health economists who analysed health-care spending by 12,134 households in the three states said in their report. Their findings, published this week in the journal PLOS One, echo long-standing concerns among sections of health experts that insurance schemes that only cover hospitalisation costs continue to expose households to significant financial risk. The Narendra Modi government had last year launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) for 10 crore poor households — or 40 per cent of the population — that pays up to Rs 5 lakh per year per household for hospitalisation. The Centre and states pay the scheme’s premium on a 60:40 ratio. The three-state study probed health-care spending by households covered by earlier government-funded schemes — such as the Centre’s Rashtriya Swasthya Bima Yojana (RSBY) that paid up to Rs 30,000 per year — and private health insurance. The households covered by the Centre’s Rashtriya Swasthya Bima Yojana had the highest proportional prevalence (39 per cent) of catastrophic health expenditure followed by households with private insurance (23 per cent) and state insurance schemes (21 per cent). The study found that average out-of-pocket or personal expenditure for in-patient care among the insured was about Rs 32,000 and about Rs 24,000 for the uninsured. The average out-of-pocket expenditure was highest (Rs 73,000) for people enrolled under private health insurance schemes and lowest (Rs 15,000) for people under the RSBY. Please click here to read more.