• SPRF Team

Global and National Perspectives on Ayushman Bharat Yojana Healthcare Scheme

Updated: May 15

Authored by: SPRF Research Team


Ayushman Bharat Yojana is the latest health insurance scheme funded by the Government of India. This scheme has been designed to be more comprehensive in terms of the beneficiaries covered and services delivered, especially compared with past schemes such as Rashtriya Swasthya Bima Yojana. In fact, Ayushman Bharat Yojana subsumed the already existing Rashtriya Swasthya Bima Yojana, apart from borrowing its basic design. However, no past healthcare financing scheme in India has succeeded in covering all eligible beneficiaries or reducing catastrophic financial expenditure for the people.

This report does not simply aim to inform the readers of the features of ABY that sets it apart from its predecessors. It also delves into the reasons behind why the poorest segment of our population has been unable to avail even the most basic health services. It further provides historical context to the origins of Universal Health Care, including the World Bank's structural adjustment reforms and India’s efforts to focus on the health of its population. The concepts of Adverse Selection, Moral Hazard, Risk Pooling, Information Asymmetry and Agency Relationship, and Epidemiological Transition Theory would further lend a better grasp on the fundamental issues of health financing, in order to understand the relevance of this new scheme for the nation.

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