Page 268 - India Insurance Report 2023- BIMTECH

256 India Insurance Report - Series II

Table 05: Summary of Health Insurance Facilities by Location

Rayerbazar (Urban) Tangail (Semi-urban) Meherpur (Rural)
Red Card facilities for SSK social health protection card for poor people No appearance of a health
pregnant women card or anything similar
Red Card : A red cardis a SSK” (Shasthyo Surokhsha Karmasuchi) social There were no such
type of mother-child health protection scheme : Health Economics health-care facilities
protection cardthat is Unit (HEU) of the Ministry of Health and Family visible during the visit to
intended to provide Welfare has developed the Shasthyo Surokhsha Meherpur.
healthcare services to the Karmasuchi (SSK) health protection scheme for
pregnant mother until the the below-poverty line (BPL) population.
baby is born.
Benefits Benefits
 Free doctor consultation  Free Physician consultation in UHCs
 Free medicine  Free drugs and diagnostic facilities in UHCs
 Free delivery  Structured referral to the secondary level hospitals
 Free checkup  Hospitalized SSK members will be treated
according to defined medical treatment guidelines
 Provides transportation services like ambulance
Limitations Limitations
 Only for ultra-poor  Funded project, would not provide life long
people services
 Only the pregnant  Only for the people who are below poverty line
mother is eligible for the  Mismanagement and corruption during
service/card; other distribution of the card
members of the family  Healthcare service coverage for 70 different
are not eligible disease groups

VII. Health Insurance/Card Cost

Only 26 respondents mentioned the cost of the health card they are using. Among them, 25
respondents were from Tangail and only one from Dhaka. Twenty-three households from Tangail
mentioned that their annual health card cost is BDT 50,000. One household from Tangail mentioned
their annual health card cost is BDT 800, 89 one household from Dhaka mentioned that their annual
health card cost is BDT 5,000 and the rest one household from Tangail mentioned they don’t have to
pay any cost for their health card.

VIII.Households’ Perception Towards Health Card Cost

Out of 26 respondents, the majority (65.4%) found the health card cost okay, and 30.8% considered
it cheap. In Tangail, 64% said the cost was okay, 32% considered it cheap, and 4% found it very cheap.
The respondent from Dhaka found the health care cost okay.