Health Insurance Schemes — Mains Questions

Critically analyze the role of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) in achieving Universal Health Coverage (UHC) in India. What are the major challenges in its implementation and suggest measures for improvement?

Discuss the evolution of health insurance schemes in India, highlighting the shift from employer-based models to large-scale government-sponsored programs. What are the implications of this shift for healthcare financing and delivery?

Examine the regulatory framework governing health insurance in India, with a special focus on the role of IRDAI. How does digital transformation, particularly the Ayushman Bharat Digital Mission (ABDM), impact this framework and the future of health insurance?