HEALTH INSURANCE IN HIMACHAL PRADESH: TRACING THE JOURNEY
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Abstract
Health Insurance as a mode of health financing is a foundation for appropriate, affordable and optimal use of healthcare services and to reduce the overdependence on out of pocket expenditure. This article attempts to trace the journey of health insurance in the State of Himachal Pradesh. With humble beginnings in 2008, when Rashtriya Swasthya Bima Yojana was launched in two Districts of the State, the Government has now scaled up the model both quantitatively and qualitatively and has set the ambitious target of universalizing the health insurance. Through flagship schemes – Ayushman Bharat and HIMCARE, every family in the State is now eligible for a health insurance cover of Rs. 5 lakh per year for indoor treatment in empanelled hospitals. However, the journey has not been without its due share of challenges and relative failures. This paper also endeavors to describe in detail the process of evidence based policy making based on past experiences which has ultimately led to the formulation of Himachal Health Care Scheme, which promises to be the panacea for health insurance in the State.
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