RASHTRIYA SWASTHYA BIMA YOJANA (RSBY)

Launched in 2008 by the Ministry of Labour & Employment.

A registration fees of only Rs 30 Facilities of treatment worth Rs 30000 ( in

patient care) per year/family Empanelled hospitals using health cards.

COMPREHENSIVE HEALTH INSURANCE SCHEME (CHIS)

- Introduced by the Government of Kerala

- It provides medical insurance to both APL & BPL households (APL households to pay the full premium).

-Success of the programme depend on awareness

To know the RSBY CHIS coverage in ward 14 & 15 of Ettumanoor panchayath.

To study the awareness of the population about RSBY CHIS

To know the util isation of RSBY CHIS among enrolled families

To study the selected factors associated with the awareness and enrollment of RSBY CHIS.

• Study Design : Cross sectional analytical study

• Study Setting : Wards 14 & 15 of Thellakom subcentre area,Ettumanoor Panchayath

• Study Period : 1 month (02-05-2014 to 02-06-2014)

Sample size : 385

(According to CHIAK,the coverage of RSBY CHIS is 80.97 % in Kottayam district.Based on this data & using the formula, 4pq/l2 ,the minimum sample size was calculated to be 385)

Study tool : Semi structured questionnaire

• The study was conducted among 336 families of the selected region which included 1447 individuals.

72.4

22.2

5.4

RSBY CHIS

OTHER SCHEMES

RSBY CHIS & OTHER SCHEMES

The respondents were asked 8 questions to assess their awareness about the scheme.

About i. Reporting unitii. Registration feesiii. Maximum insurance coverageiv. Social groups that can avail benefitsv. Hospital facilities for which insurance can be usedvi. Maximum no. of family memebers who can avail the

benefitsvii.Nearest RSBY empanelled hospitalviii.Scheme renewal

FACTOR MEAN VALUE

ANOVA TEST F VALUE

P VALUE

RESPONDENT AGE

POOR KNOWLEDGE

50.18 3.194 0.042

AVERAGE KNOWLEDGE

44.96

GOOD KNOWLEDGE

46.24

RESPONDENTEDUCATION

POOR KNOWLEDGE

10.81 3.829 0.023

AVERAGE KNOWLEDGE

9.87

GOOD KNOWLEDGE

9.77

AWARENESS ABOUT THE SCHEME

SOCIO ECONOMIC STATUS

FACTOR ENROLLED IN THE SCHEME

P VALUE CHI SQUARE VALUE

AWARENESS LEVEL

POOR KNOWLEDGE

7.5%

0.001 122.551AVERAGE KNOWLEDGE

62.79%

GOOD KNOWLEDGE

78.47%

SOCIO ECONOMIC STATUS

LOWER CLASS 50%

0.001 26.824UPPER LOWER CLASS

68.1%

LOWER MIDDLE CLASS

58.4%

UPPER MIDDLE CLASS

46.4%

UPPER CLASS 9.1%

• 225 familes (out of 336) enrolled in medical insurance schemes - 175 famil ies enrolled in RSBY CHIS.

• 22.85% of the families have used the scheme at least once , majority for chronic illness

• The 2 important factors associated with enrolment are awareness level & socioeconomic status.

• 41.67 % - Good Knowledge ; 25.6% - Average Knowledge & 32.73 - Poor Knowledge

about the scheme.

• More awareness programmes• Maximum insurance amount be raised• Extend the list of empanelled hospitals• Clearly define the enrollment criteria & procedure

or APL families.• More counters,more staffs at the hospital• Include more healthcare facilities• Timely release of funds by Government to the

empanelled institutions.

• The decision maker of the family was not available.

• More APL families with high educational status in the study setting.

GUIDED BYDR. BINDHU VASUDEVAN & DR.AJAN MJ

Jebin P James Jilumol Abraham Jim Jacob Roy Jittu Alex John V Alexander Joe Jose Jyothi Mariam Jose

• Karthika Sabu• Krishnadas CM• Krishnendu R• Kucku S• Lakshmi R• Lekshmi S• Leons Joy • Maria Francis