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Private Health Insurance in India: Promise and Reality

June 2007 – Aug 2007 || U.S. Agency for International Development


The purpose of this study is to investigate the impact of private insurance (or quasi-private in the case of the five government-owned companies) on health coverage in India and based on our findings, to suggest the way forward for government policy, effective regulation and enforcement, and private sector activity. The primary findings and consequent recommendations are summarized below by chapter.

  • Executive Summary: Major findings and recommendations
  • Chapter 1: Overview of the Study
  • Chapter 2: Financing of Health Care in India - Sources and Uses of Health Expenditures
  • Chapter 3: Private Health Insurance
  • Chapter 4: Health Insurance for the Poor
  • Chapter 5: Regulation of Health Insurance

This document was originally submitted to the United States Agency for International Development Financial Institutions Reform and Expansion — Regulatory (FIRE-R) Program, Indian Insurance Sector Reform Project USAID/India, New Delhi, India, February 2008.

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