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Study to Analyze RSBY Scheme in Hamirpur District of Uttar Pradesh


  • Ankita Chobisa
  • Agency : Rashtriya Swasthya Bima Yojna, Microinsurance, Health Financing, Health Insurance
  • Objective : To analyze RSBY scheme in hamirpur district of Uttar Pradesh.


  • Background : RSBY was launched to increase the access to quality health care services at affordable rates, by the poor population of India. In spite of being the most innovative and technologically updated micro financing model, it has not achieved its target of covering 100 percent of the BPL population by the year 2012. There is a need to find out where the problem lies and then suggest appropriate measures to improve the effectiveness of the scheme.


  • Methodology : The study was based on secondary analysis of the data available on the website and the data provided by the TPA from the empanelled hospitals of the districts under study. The enrolled BPL beneficiaries were the sample under study. Study was done on the entire population that availed benefits under RSBY scheme.


  • Findings : Percentage of people who involved in Hamirpur was 20 percent and for UP it is 38 percent. The Claim ratio was 101 percent. Maximum utilization was in September (16%) and minimum in June (3%). Out of the total claims count 63 percent were accounted by males and 37 percent by female. Maximum utilization was in the age group of 31 to 50 years. When it comes to frequency of utilization, 55 percent utilized the services only once. Among all the packages used, only 24 percent were non-surgical.


  • Recommendations : Further study needs to be done to find out the reasons of low enrollment rate and low utilization rate.


To analyze RSBY scheme in hamirpur district of Uttar Pradesh.