Hasna Ashraf | IIT Madras (original) (raw)
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Papers by Hasna Ashraf
Social Science & Medicine, Jun 1, 2023
Social Science & Medicine
Social Science & Medicine, 2023
Frontiers in Public Health, Nov 23, 2022
In this paper we explore how India's growing commercial health insurance (CHI) segment can be ref... more In this paper we explore how India's growing commercial health insurance (CHI) segment can be reformed to deliver adequate financial protection and good health outcomes. We lay out key issues in the demand-and supply-sides of the insurance market that need to be addressed for CHI to be more aligned toward universal health coverage (UHC). On the demand side, we identify a consumer who strays far from the rational actor paradigm and therefore one whose needs require a fundamentally di erent approach than the one that commercial health insurance in India has so far taken. We lay out precisely the di erent stages involved in bringing a consumer to the insurance market and the conditions under which that consumer is likely to purchase insurance. On the supply side, we describe the many concerns that a new entrant into the commercial health insurance market must grapple with. We conclude with a set of pathways that brings the two sides of the market together to shed light on possible pathways for reform in the commercial health insurance sector in India. Despite the many challenges that this sector faces in India, we believe that there is room for optimism, and with the right amount of regulatory foresight, even room for radical transformation.
In this live3 research brief, we explore the impact of COVID-19 on the daily life of low-income h... more In this live3 research brief, we explore the impact of COVID-19 on the daily life of low-income households from surveys done across India. The brief presents the evidence from a fortnightly panel survey conducted in two rounds by Dvara Research. Round 1 of the survey was held from April 23 to May 7 and round 2 from May 15 to May 27. The survey collects evidence from 347 microfinance borrower households from different parts of the country on (i) visible signs of distress, (ii) access to essential services and Government welfare schemes and (iii) coping mechanisms. Further, the brief also sets out results from surveys by other organisations that are happening simultaneously to understand the gravity of the situation.
Social Science & Medicine, Jun 1, 2023
Social Science & Medicine
Social Science & Medicine, 2023
Frontiers in Public Health, Nov 23, 2022
In this paper we explore how India's growing commercial health insurance (CHI) segment can be ref... more In this paper we explore how India's growing commercial health insurance (CHI) segment can be reformed to deliver adequate financial protection and good health outcomes. We lay out key issues in the demand-and supply-sides of the insurance market that need to be addressed for CHI to be more aligned toward universal health coverage (UHC). On the demand side, we identify a consumer who strays far from the rational actor paradigm and therefore one whose needs require a fundamentally di erent approach than the one that commercial health insurance in India has so far taken. We lay out precisely the di erent stages involved in bringing a consumer to the insurance market and the conditions under which that consumer is likely to purchase insurance. On the supply side, we describe the many concerns that a new entrant into the commercial health insurance market must grapple with. We conclude with a set of pathways that brings the two sides of the market together to shed light on possible pathways for reform in the commercial health insurance sector in India. Despite the many challenges that this sector faces in India, we believe that there is room for optimism, and with the right amount of regulatory foresight, even room for radical transformation.
In this live3 research brief, we explore the impact of COVID-19 on the daily life of low-income h... more In this live3 research brief, we explore the impact of COVID-19 on the daily life of low-income households from surveys done across India. The brief presents the evidence from a fortnightly panel survey conducted in two rounds by Dvara Research. Round 1 of the survey was held from April 23 to May 7 and round 2 from May 15 to May 27. The survey collects evidence from 347 microfinance borrower households from different parts of the country on (i) visible signs of distress, (ii) access to essential services and Government welfare schemes and (iii) coping mechanisms. Further, the brief also sets out results from surveys by other organisations that are happening simultaneously to understand the gravity of the situation.