Microfinance Gateway>FINO Driven Health Microinsurance in Unorganised Sector: Case of Rashtriya Swasthya Bima Yojna

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Library » FINO Driven Health Microinsurance in Unorganised Sector: Case of Rashtriya Swasthya Bima Yojna

FINO Driven Health Microinsurance in Unorganised Sector: Case of Rashtriya Swasthya Bima Yojna
18 Jul 2010, Handoo, J. & Arora, B.

Using technology in public health service delivery system

This paper discusses the role of Financial Information Network and Operations (FINO) and the biometric smart card technology in the delivery of Rashtriya Swasthya Bima Yojna (RSBY) across various states in India.

In view of the gaps prevalent in previous systems of delivering health insurance schemes to the poor, the Government of India partnered with FINO to implement, RSBY, one of the largest mass health microinsurance programs in the world. The program used bio-metric cards. The program has been successful in:

Enabling the government to finance public health economically and quickly;
Establishing a delivery channel which could be leveraged to deliver more services like public distribution system subsidy, education vouchers and other welfare schemes;
Enabling storage of huge volumes of data, which can be analyzed to deliver relevant information to the government, insurance providers, and pharmaceutical companies.

The FINO-designed technology platform helps insurance companies obviate moral hazards, thus making the product viable for them. The use of smart cards and advanced technology reduces administrative hassles and will eventually bring down the cost of delivery.

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Publisher(s):
Financial Inclusion Network & Operations Ltd.