110
Government-Sponsored Health Insurance in India
Figure 3A.2 India: Estimated Health Insurance Expenditures 40,000 35,000 30,000
Rs. crores
25,000 20,000 15,000 10,000 5,000
20
15
–1 09 20
20
03
–0
0
4
0
year othersa
private insurance state schemes in AP, TN, KA central schemes—ESIS, CGHS, RSBY
Source: Authors’ calculations based on scheme data, IRDA reports, and Jaswal, 2011. a. Includes other health protection and health insurance schemes, including community health insurance schemes, publicly subsidized schemes for handloom workers and artisans, noncontributory coverage by employers of government (defense, railways, state government staff ) and nongovernment employees (where employers run their own facilities or provide reimbursements without using insurance mechanisms) as an employment benefit.
Annex 3B Methods Used for Population-Coverage Projections The member base for 2015 was compiled with professional actuarial support. Assumptions include: (1) for schemes in which the member base has stabilized, for example, Andhra Pradesh, Tamil Nadu (TN), Yeshasvini, and the Employees’ State Insurance Scheme, the growth rate is based on projected population growth; (2) for rapidly growing schemes such as Rashtriya Swasthya Bima Yojana (RSBY), the scheme’s stated 2015 target was taken as the expected member base. Inclusion of new population groups, changes in benefits package, and other characteristics may alter these numbers significantly; (3) for the Central Government Health Scheme, the number of retiring employees was assumed to be the same