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Title: Health Insurance Utilization and Financial Behaviour: A Study of Rashtriya Swasthya Bima Yojana (RSBY) in Kerala
Authors: Abdurazaque. P.M.
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Abdurazaque. P.M. Part- time Research Scholar, Department of Economics, EMEA College of Arts and Science, Kondotti, University of Calicut
MLA 8 P.M., Abdurazaque. "Health Insurance Utilization and Financial Behaviour: A Study of Rashtriya Swasthya Bima Yojana (RSBY) in Kerala." Int. j. of Social Science and Economic Research, vol. 9, no. 5, May 2024, pp. 1433-1442, doi.org/10.46609/IJSSER.2024.v09i05.007. Accessed May 2024. APA 6 P.M., A. (2024, May). Health Insurance Utilization and Financial Behaviour: A Study of Rashtriya Swasthya Bima Yojana (RSBY) in Kerala. Int. j. of Social Science and Economic Research, 9(5), 1433-1442. Retrieved from https://doi.org/10.46609/IJSSER.2024.v09i05.007 Chicago P.M., Abdurazaque. "Health Insurance Utilization and Financial Behaviour: A Study of Rashtriya Swasthya Bima Yojana (RSBY) in Kerala." Int. j. of Social Science and Economic Research 9, no. 5 (May 2024), 1433-1442. Accessed May, 2024. https://doi.org/10.46609/IJSSER.2024.v09i05.007.
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ABSTRACT: This paper examines the health behaviour and health insurance landscape in Kerala, India, with a focus on the impact of the Rashtriya Swasthya Bima Yojana (RSBY) on healthcare utilization and financial behaviour. Using primary data collected from Mukkam municipality in Kozhikode district, Kerala, the study analyses the demographic profile of respondents, their health insurance status, and satisfaction levels with the RSBY scheme. The findings indicate a fairly balanced preference between government and private insurance schemes among households, with a significant majority possessing an insurance card. The RSBY scheme has been successful in enrolling a large proportion of households and providing satisfactory coverage at both government and private hospitals. However, there are variations in insurance coverage and satisfaction levels among different demographic subgroups, highlighting the need for targeted interventions and policy measures to improve access to healthcare and financial security among vulnerable populations.

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