Public ignorance is a boon for Ayushman Bharat. Only for now.
Officials checking the eligibility of villagers for the Pradhan Mantri Jan Arogya Yojana in Katihar, Bihar; @Navneet105105 via twitter
Synopsis
With lack of awareness and a manageable claims burden, the health-insurance scheme has avoided trouble so far. But that's not a sustainable formula.
Ignorance truly is bliss. Ask the folks running the Ayushman Bharat-National Health Protection Mission (AB-NHPM). While claim ratio for the scheme has been 80% in the tiny union territories of Daman and Diu, and Dadra and Nagar Haveli taken together, it was 8% in the much larger state of Gujarat, and 15% in Jharkhand. Compare that with the figures for the INR1.5 lakh crore health-insurance industry a year ago — it settled 40 million claims with
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