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);

    }
$message = '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.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
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
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

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);

    }
$message = '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.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
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')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-trace').style.display = (document.getElementById('cakeErr67ee4d3f0079b-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ee4d3f0079b-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-code').style.display = (document.getElementById('cakeErr67ee4d3f0079b-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-context').style.display = (document.getElementById('cakeErr67ee4d3f0079b-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ee4d3f0079b-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67ee4d3f0079b-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 61809,
		&#039;title&#039; =&gt; &#039;Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
		&#039;subheading&#039; =&gt; null,
		&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;
-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;
&#039;,
		&#039;credit_writer&#039; =&gt; &#039;Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath&#039;,
		&#039;meta_title&#039; =&gt; &#039;&#039;,
		&#039;meta_keywords&#039; =&gt; &#039;&#039;,
		&#039;meta_description&#039; =&gt; &#039;&#039;,
		&#039;noindex&#039; =&gt; (int) 1,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; null,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 61809,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot; title=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 61809,
	&#039;title&#039; =&gt; &#039;Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
	&#039;subheading&#039; =&gt; null,
	&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;
-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;
&#039;,
	&#039;credit_writer&#039; =&gt; &#039;Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath&#039;,
	&#039;meta_title&#039; =&gt; &#039;&#039;,
	&#039;meta_keywords&#039; =&gt; &#039;&#039;,
	&#039;meta_description&#039; =&gt; &#039;&#039;,
	&#039;noindex&#039; =&gt; (int) 1,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; null,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {},
		(int) 5 =&gt; object(Cake\ORM\Entity) {},
		(int) 6 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 61809
$metaTitle = &#039;LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;
$metaKeywords = &#039;Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals&#039;
$metaDesc = &#039;
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...&#039;
$disp = &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot; title=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
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
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</pre></div></pre>latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath | Im4change.org</title>
    <meta name="description" content="
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <p style="text-align:justify"><br />-Down to Earth</p><p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p><p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p><p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p><p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p><p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p><p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM" title="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-trace').style.display = (document.getElementById('cakeErr67ee4d3f0079b-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ee4d3f0079b-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-code').style.display = (document.getElementById('cakeErr67ee4d3f0079b-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-context').style.display = (document.getElementById('cakeErr67ee4d3f0079b-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ee4d3f0079b-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67ee4d3f0079b-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 61809,
		&#039;title&#039; =&gt; &#039;Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
		&#039;subheading&#039; =&gt; null,
		&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;
-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;
&#039;,
		&#039;credit_writer&#039; =&gt; &#039;Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath&#039;,
		&#039;meta_title&#039; =&gt; &#039;&#039;,
		&#039;meta_keywords&#039; =&gt; &#039;&#039;,
		&#039;meta_description&#039; =&gt; &#039;&#039;,
		&#039;noindex&#039; =&gt; (int) 1,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; null,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 61809,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot; title=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 61809,
	&#039;title&#039; =&gt; &#039;Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
	&#039;subheading&#039; =&gt; null,
	&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;
-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;
&#039;,
	&#039;credit_writer&#039; =&gt; &#039;Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath&#039;,
	&#039;meta_title&#039; =&gt; &#039;&#039;,
	&#039;meta_keywords&#039; =&gt; &#039;&#039;,
	&#039;meta_description&#039; =&gt; &#039;&#039;,
	&#039;noindex&#039; =&gt; (int) 1,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; null,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {},
		(int) 5 =&gt; object(Cake\ORM\Entity) {},
		(int) 6 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 61809
$metaTitle = &#039;LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;
$metaKeywords = &#039;Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals&#039;
$metaDesc = &#039;
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...&#039;
$disp = &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot; title=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
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
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</pre></div></pre>latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath | Im4change.org</title>
    <meta name="description" content="
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <p style="text-align:justify"><br />-Down to Earth</p><p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p><p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p><p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p><p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p><p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p><p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM" title="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-trace').style.display = (document.getElementById('cakeErr67ee4d3f0079b-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ee4d3f0079b-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-code').style.display = (document.getElementById('cakeErr67ee4d3f0079b-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee4d3f0079b-context').style.display = (document.getElementById('cakeErr67ee4d3f0079b-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ee4d3f0079b-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67ee4d3f0079b-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 61809,
		&#039;title&#039; =&gt; &#039;Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
		&#039;subheading&#039; =&gt; null,
		&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;
-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;
&#039;,
		&#039;credit_writer&#039; =&gt; &#039;Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath&#039;,
		&#039;meta_title&#039; =&gt; &#039;&#039;,
		&#039;meta_keywords&#039; =&gt; &#039;&#039;,
		&#039;meta_description&#039; =&gt; &#039;&#039;,
		&#039;noindex&#039; =&gt; (int) 1,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; null,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 61809,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot; title=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 61809,
	&#039;title&#039; =&gt; &#039;Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;,
	&#039;subheading&#039; =&gt; null,
	&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;
-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;
&#039;,
	&#039;credit_writer&#039; =&gt; &#039;Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath&#039;,
	&#039;meta_title&#039; =&gt; &#039;&#039;,
	&#039;meta_keywords&#039; =&gt; &#039;&#039;,
	&#039;meta_description&#039; =&gt; &#039;&#039;,
	&#039;noindex&#039; =&gt; (int) 1,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; null,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {},
		(int) 5 =&gt; object(Cake\ORM\Entity) {},
		(int) 6 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 61809
$metaTitle = &#039;LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath&#039;
$metaKeywords = &#039;Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals&#039;
$metaDesc = &#039;
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...&#039;
$disp = &#039;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;br /&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&amp;rsquo;s flagship health insurance scheme, dubbed the world&amp;rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&amp;nbsp;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot; title=&quot;https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM&quot;&gt;click here&lt;/a&gt; to read more.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
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
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</pre></div></pre>latest-news-updates/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath | Im4change.org</title>
    <meta name="description" content="
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <p style="text-align:justify"><br />-Down to Earth</p><p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p><p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p><p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p><p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p><p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p><p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM" title="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 61809,
		'title' => 'Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath',
		'subheading' => null,
		'description' => '<p style="text-align:justify"><br />
-Down to Earth</p>

<p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p>

<p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p>

<p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p>

<p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p>

<p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p>

<p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p>

<p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>
',
		'credit_writer' => 'Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => 'myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath',
		'meta_title' => '',
		'meta_keywords' => '',
		'meta_description' => '',
		'noindex' => (int) 1,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => null,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 61809,
	'metaTitle' => 'LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath',
	'metaKeywords' => 'Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals',
	'metaDesc' => '
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...',
	'disp' => '<p style="text-align:justify"><br />-Down to Earth</p><p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p><p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p><p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p><p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p><p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p><p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM" title="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 61809,
	'title' => 'Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath',
	'subheading' => null,
	'description' => '<p style="text-align:justify"><br />
-Down to Earth</p>

<p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p>

<p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p>

<p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p>

<p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p>

<p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p>

<p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p>

<p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>
',
	'credit_writer' => 'Down to Earth, 5 January, 2022, https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => 'myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-g-ram-mohan-ranju-dodum-mohd-imran-khan-k-a-shaji-rakesh-kumar-malviya-gajanan-khergamker-priya-ranjan-sahu-and-bhagirath',
	'meta_title' => '',
	'meta_keywords' => '',
	'meta_description' => '',
	'noindex' => (int) 1,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => null,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {},
		(int) 1 => object(Cake\ORM\Entity) {},
		(int) 2 => object(Cake\ORM\Entity) {},
		(int) 3 => object(Cake\ORM\Entity) {},
		(int) 4 => object(Cake\ORM\Entity) {},
		(int) 5 => object(Cake\ORM\Entity) {},
		(int) 6 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 61809
$metaTitle = 'LATEST NEWS UPDATES | Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath'
$metaKeywords = 'Covid-19,Hospitalisation,Pandemic,Pradhan Mantri Jan Arogya Yojana,PM-JAY,Health Insurance,Private hospitals'
$metaDesc = '
-Down to Earth

Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19

The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to...'
$disp = '<p style="text-align:justify"><br />-Down to Earth</p><p style="text-align:justify"><em>Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19</em></p><p style="text-align:justify">The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.&nbsp;</p><p style="text-align:justify">So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India&rsquo;s flagship health insurance scheme, dubbed the world&rsquo;s largest fully government-subsidised scheme, failed to deliver when it was needed the most.&nbsp;</p><p style="text-align:justify">Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.&nbsp;</p><p style="text-align:justify">On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country.</p><p style="text-align:justify">To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:&nbsp;</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM" title="https://www.downtoearth.org.in/news/governance/myth-of-coverage-how-india-s-flagship-health-insurance-scheme-failed-its-poorest-during-pandemic-80988?fbclid=IwAR1T7rkvr3XzyqG02wQXv0lESSifAKwBd68a9zL5WwixQJdqQMLRDfdALgM">click here</a> to read more.</p>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
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
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

Myth of coverage: How India‘s flagship health insurance scheme failed its poorest during pandemic -G Ram Mohan, Ranju Dodum, Mohd Imran Khan, K A Shaji, Rakesh Kumar Malviya, Gajanan Khergamker, Priya Ranjan Sahu, and Bhagirath

-Down to Earth Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% people hospitalised for COVID-19 The novel coronavirus has not only turned the world upside down, it has also served as a lens through which we are able to see ourselves, our planet and even our policies with a new and shocking clarity.  So it was not a surprise when two research institutes, Public Health Foundation of India and Duke Global Health Institute, United States, revealed that India’s flagship health insurance scheme, dubbed the world’s largest fully government-subsidised scheme, failed to deliver when it was needed the most.  Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide an annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.  On December 3, Union Minister for Health and Family Welfare Mansukh Mandaviya in a reply to the Lok Sabha also acknowledged that PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country. Though no official data is available on total COVID-19 hospitalisations in the country, the share is negligible keeping in mind that the scheme claims to cover 165 million beneficiaries across the country. To assess the effectiveness of both government and private health insurance schemes in reducing out-of-pocket expenditure while ensuring universal health coverage, Down To Earth visited nine states where hospitalisation rates were high during the pandemic. We found that while the government insurance schemes did not cover all the target groups and eligible individuals, even those enrolled under insurance schemes were forced to fight the pandemic on their own and cough up large amounts of money to avail treatment. Following are some of the case studies:  Please click here to read more.