Chaudhary, Mamta  Kodali, Prakash Babu and  Sundararaman, T. <br/><br/>
Effectiveness of PFHI schemes in Indi: Insights from the HCES 2022–23 

 - Economic & Political Weekly  
 - 60(19), May 10, 2025: p.36-44 
<br/><br/> Publicly funded health insurance schemes play a crucial role in financing healthcare in India, especially for the hospitalisation needs of poor and vulnerable households. Using the Household Consumption Expenditure Survey 2022–23, the enrolment, utilisation, and effectiveness of the scheme in reducing out-of-pocket and catastrophic health expenditures are examined. While enrolment has increased over the years, effective financial protection remains inadequate. The evidence suggests the need to improve the implementation of these insurance schemes and strengthens the public healthcare delivery system to protect households from financial distress.- Reproduced <br/><br/>https://www.epw.in/journal/2025/19/special-articles/effectiveness-pfhi-schemes-india.html<br/>