Publicly Financed Health Insurance Schemes In Maharashtra: Study Of Rajiv Gandhi Jeevandayee Aarogya Yojana

Among the numerous health insurance schemes launched by the state and central government, CEHAT selected Maharashtra’s Rajiv Gandhi Jeevandayee Aarogya Yojana (RGJAY) to assess its implementation and impact. The study provides insights into several lacunae within the scheme that thwart the objective of universal health coverage, including the fact that the private sector was maximising profits by selective promotion. Out of pocket expenses remained high and there was no evidence of any expanded access to healthcare services in rural areas.

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