ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

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Community Health Insurance in India

Community health insurance is an important intermediate step in the evolution of an equitable health financing mechanism such as social health insurance in Europe and Japan. Social health insurance in these countries, in fact, evolved from a conglomeration of small 'community' health insurance schemes. Historically, during the peak of the industrial revolution workers' unions developed insurance mechanisms which were eventually transformed. Community health insurance programmes in India offer valuable lessons for policy-makers. Documented here are 12 schemes where health insurance has been operationalised. The two following articles describe in some detail two successful community health projects.

ACCORD Community Health Insurance

Described here is the ACCORD - AMS - ASHWINI community health insurance programme (AAA CHI), which aims to provide finances for the poor at the time of need using pre-payment and risk pooling mechanisms. From the data it appears that AAA CHI has been able to increase the access of the poor to health care. Some of the reasons for this achievement are: the existing solidarity in the community; the affordable premium; the comprehensive benefit package, and minimum administrative bureaucracy.

Orissa - New Drug Policy:Towards Rational Use

Since 1997 Orissa has implemented a rational drug policy, - introducing an essential drug list, centralised purchasing, transparency through an open tender system and quality assurance - with considerable success. This has led to greater availability of medicines in its public health system benefiting patients and the medical staff alike.
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