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Published on Sep 03, 2023


This project sets out to investigate the aspects important for the successful implementation of CBHI. It does so through a set of controlled randomized trials through which CBHI is implemented in villages of two states of India (Uttar Pradesh and Bihar). Rigorous longitudinal research is used to identify causal effects of CBHI on equitable access to healthcare and financial protection.

The two states selected for implementation are among the poorest in India, yet the intervention areas vary from each other in their socio-economic, epidemiological and cultural profiles. We seek this diversity in order to enhance the validity of the claim that lessons learned could be applied to other settings as well. We apply quantitative research (longitudinal panel; series of economic experiments) along with in-depth qualitative analysis and spatial data. 

The CBHI India project was initiated in August 2009. The project's core research hypotheses as well as data collection tools were refined in the following months, in light of the discussion held at the project's first Advisory Board meeting in November 2009. Baseline quantitative, qualitative and spatial research was carried out for 8 months, running consecutively from January to August 2010. CBHI implementation activities for each site have been ongoing since Apr 2010, and have been intensified from September 2010 onwards, following the completion of baseline research.

Highlights include:

April 2010: Insurance Initiation Workshops completed

May 2010: Baseline quantitative research completed

July 2010: Baseline spatial research completed

August 2010: Baseline qualitative research completed

September 2010: Benefit Options Consultations undertaken

November 2010: Insurance Awareness Campaign launched

As far as our study is done in BAIF, it is of two groups namely Treatment Group and Control Group and each group has different SHGs. The Treatment group consists of the people who are aware of Insurance, Policy and are of policy holders. It covers about 5 villages near pratapgarh area. The Control group consists of people who are of non policy holders. It covers about 10 villages near Pratapgarh area. The policy they introduced is "SANJIVANI". Objectives of the Project

• To know the awareness level and attitude level of the clients towards Insurance

• To study the need for Insurance

• To know the perception and understanding level of the clients towards Insurance

• To know the probability level of occurrence of risk and satisfaction level of the clients.

The study was conducted only at a total of 10 villages near Pratapgarh area. This analysis and findings arrived are based on the true findings with the help of questionnaire. There are issues in generalizing the results and findings to a wider area of Pratapgarh, Uttar Pradesh. The study obtained information about the awareness level, attitude level, perception and understanding of clients towards Insurance Policy. Some of the shortcomings that we found are:

• No doubt SANJIVINI is playing an important role in the villages. Some of the policy holders are saying that the procedure for getting the claim benefits is getting harder as they not able to get the receipts in time. This is one of the major shortcomings of this policy.

• Due to lack of knowledge or education some of them are not in a stage to read the documents or understand the terms and conditions of the policy.

• As majority of the clients are of farmers, due to lack of water, the clients are getting loss in their irrigation field and because of this the income generation is getting reduced.

• In some of the areas the clients are not much aware of the Micro Health Insurance. It is time for everyone to know what exactly the micro insurance is.

• The treatment group clients are more aware when compared to control group. Knowingly, some of them are not showing interest to take policy as their financial status doesn't support them. This is the reason why the people are not willing to take any policy in future.

The literacy level in these villages is too low. The parents can't effort that much to get their child educated as they belong to below poverty line. Findings of the Study

From our study we found that,

• The SANJIVINI policy is quiet beneficial for the clients.

• In order to pay the monthly installment of 14/- for a period of 9 months the clients are controlling their monthly expenditure.

• The policy holders from treatment group are most aware when compared to the control group clients.

• During our visit, we found that SANJIVINI has been given a major importance in every family and they are paying the installment amount without fail.

• Equal importance has been given to women in the family in financial decision making, women also actively participates in this regard.

• The clients are much happy with the benefits that they are assured.

• Due to lack of resources, it takes a lot of time for development.

• Due to lack of water the clients are having a big loss in their farming.

• Some of the clients are also having LIC jeevan bhima policy for a period of about 18 to 24 years in which they pay the premium amount either quarterly or half-yearly or annually.

• Majority of the policies are being taken in order to avoid health risk.

• Most if the clients are not in a stage to take another policy as they are suffering with Financial Problems.

• Out of 60 respondents, 58% of the clients have been given major importance to health risk, 34% has given priority to life risk and 6% clients given for crop risk and the remaining 2% for live stock risk.

• Most of the clients are suffering with financial loss and productivity loss due to high expenditure towards illness, Loss of crops and also from the Natural Disasters.

• It's good to see women working for the Rural Development and also actively participating in the awareness campaigns.

Findings and Suggestions

• Store loyalty and quality of a private label are dependent of each other.

• Price differential between national brand and private and store loyalty are dependent of each other.

• Private label's promotion and store loyalty are related.

• Private innovativeness and store loyalty are related.

In general the field of micro insurance is just merging and though it has a number of issues at three levels namely people, MFI, and Insurance companies, this sector has a big potential. More innovation in product design, processes and practices is bound to happen as the sector evolves and expands. Servicing and a social perspective will slowly develop once the rural population starts demanding. As far as the project CBHI is concerned, the partner agent model will brings a change in the insurance companies, their attitudes and willingness to serve rural people and inhibition factors should be studied to improve the system as a whole. The literacy rate should be increased. As per our study, we compared the awareness and attitude level of the clients towards Insurance between the treatment and control groups. As per the data collected, most of the clients responded in a positive manner. They are quiet happy with the benefits that are being provided under the Health Insurance policy through BAIF.

The SHGs in the Treatment group are more effective when compared to control group. In both the groups the women are more effectively working for the welfare of the development. This shows a positive change towards development in Rural India.

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