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A CASE STUDY OF SELF EMPLOYED WOMEN’S ASSOCIATION (SEWA) AN EVALUATION OF MICRO HEALTH INSURANCE SCHEMES IN INDIA.

Автор:   Akash A.
мягкая обложка
388 страниц
2010 год
Издательство:   Книга по Требованию
Цена:
3231 руб
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Описание:Interestingly, some NGOs in India have designed Micro Health Insurance (MHI) schemes for poor households and SEWA is running one of the largest MHI schemes since 1992. According to World Bank estimates (World Bank 2001), more than 40 per cent of hospitalized Indians borrow money or sell assets to cover the cost and more then 30 per cent of hospitalized Indians fall below the poverty line as a result of out-of-pocket hospital expenditure. Health is increasingly being seen as a development issue, rather than just a medical one. Burden of health care expenditure in general and hospitalization in particular can be catastrophic on poor households. Health is featuring everywhere in development discourse right from Millennium Development Goals (MDGs) to Gramsabhas. Apart from natural sciences, by now health has emerged as a major area of academic interest in social sciences. State as well as Market has failed to provide financial risk protection to poor from this expenditure. When any working person from poor household faces hospitalization, the family loses his income as an opportunity cost and moreover they have to manage the money for hospitalization.


Orthomol Immun Junior Сила иммунитета на страже Вашего ребенка Orthomol Immun Junior Сила иммунитета на страже Вашего ребенка

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The World is Flat

Wal-Mart's biggest competitor, though, Costco Wholesale, insured 96 percent of its eligible full-time or part-time employees. Costco employees become eligible for health insurance after three months working full-time or six months working part-time. At Wal-Mart, most full-time employees have to wait six months to become eligible, while part-timers are not eligible for at least two years. According to the Times, full-time employees at Wal-Mart make about $1,200 per month, or $8 per hour. Wal-Mart requires employees to cover 33 percent of the cost of their benefits, and it plans to reduce that employee contribution to 30 percent. Wal-Mart-sponsored health plans have monthly premiums for family coverage ranging as high as $264 and out-of-pocket expenses as high as $13,000 in some cases, and such medical costs make health coverage unaffordable even for many Wal-Mart employees who are covered, the Times said. But the same article went on to say this: “If there is any place where Wal-Mart's labor costs find support, it is Wall Street, where Costco has taken a drubbing from analysts who say its labor costs are too high.” Wal-Mart has taken more fat and friction out than Costco, which has kept more in, because it feels a different obligation to its workers ...»

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