A large RCT of hospital insurance for above poverty line Indian households was conducted to assess the access and utilisation of health insurance and its impact on health outcomes in India. The study suggests that access to insurance increased enrolment which subsequently increased insurance payment for care, assisted by spillover effects. Many beneficiaries were unable to use their insurance card. And, the effect of enrolment on health was insignificant. The study findings have implications for the implementation of public insurance and insurance marketing in India.
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