A Community Based Study to Assess Out-Of-Pocket Expenditure (OOPE) Among Beneficiary and Non-Beneficiary of Mukhya Mantri Chiranjivi Swasthya Bima Yojna (MMCSBY) In Jaipur (Rajasthan)
Main Article Content
Abstract
Background: Out of Pocket Expenditure (OOPE) refers to direct payments for healthcare services. In India, high OOPE burdens low income families, often leading to poverty and debt. To address this, Mukhya Mantri Chiranjeevi Swasthya Bima Yojana (MMCSBY) was launch to reduce OOPE, improve access to affordable care and ensuring quality healthcare for all, regardless of income, however impact of this scheme on OOPE between beneficiaries and non-beneficiaries should be assessed. For this purpose study planned to find out OOPE among beneficiary and non-beneficiary of MMCSBY in Jaipur.
Methodology: A community based, cross sectional study was carried out to assess OOPE among beneficiary and non-beneficiary of MMCSBY between November 2023 to August 2024 at Dadiya and Bhated village under field practice area of Rural Health Training Center (RHTC) of Medical Institute, Jaipur, Rajasthan. A semi-structured, validated questionnaire used for data collection. Descriptive statistics and Chi-square test used for analysis (p-value <0.05 Statistically Significant).
Results: A total of 458 households, 257 (56.10%) from Dadiya and 201 (43.90%) from village Bhatad were included. About 190 (41.50%) households were belonged to lower middle socio-economic class III. Majority 399 (87%) were beneficiaries and 59 (13%) were non-beneficiaries of MMCSBY. OOPE were observed in 59 (24%) beneficiary and 34 (57.62%) non-beneficiaries, which was statistically significant (p-value <0.05).
Conclusion: Study revealed that OOPE among beneficiaries was considerably less compared to non-beneficiaries, who incurred more than double expenditure, clearly indicates significant impact on reducing OOPE and highlighting factors which contributing awareness about scheme.