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Impact Evaluation of India’s ‘Yeshasvini’ Community-Based Health Insurance Program

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Name of the Asset | Impact Evaluation of India’s ‘Yeshasvini’ Community-Based Health Insurance Program
Type of Asset | Working Paper
Date | September 2009


Most national governments in developing countries have, in recent years, been trying to promote community-based health insurance programs (CBHI) as part of their health policy. This study examines evidence on the impact of being insured in India – through Yeshasvini community health financing program –on healthcare utilization, financial protection, treatment outcomes and economic well-being.

Using propensity score matching techniques, the study evaluates the impact of India’s Yeshasvini community-based health insurance program on utilization of health care, the intensity of use, financial protection, treatment outcomes and economic wellbeing. The analysis is based on a household survey of 4,109 households conducted for the study across 82 villages in Karnataka state, where the program is in operation.  

Results uphold an association between insurance by Yeshasvini and better healthcare utilization. The program is found to have increased the use and intensity of health care utilization, reduced out-of-pocket spending, ensured better health and economic outcomes. The study demonstrated that community insurance presents a workable model in resource-poor settings, through strengthened accountability and local management.


  • Aradhna Aggarwal, Associate Professor Department of Business Economics
  • Benito Zuarez Road, South Campus, University of Delhi, Delhi

Country and/or Region | India
Name of the Program | GDN’s Global Research Project on ‘Promoting Innovative Programs from the Developing World: Towards Realizing the Health MDGs in Africa and Asia'
Funder(s) | The Bill & Melinda Gates Foundation, United States

Download the Full Study here

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