Low renewal rates threaten rural India's community health insurance sustainability.
Low renewal rates are a big problem for community-based health insurance schemes in rural India. A study looked at three such schemes in Bihar and Uttar Pradesh. They found that only about 20% of people renewed their membership after 2 years. Factors like understanding the scheme and receiving benefits influenced renewal. People were more likely to renew if they had received benefits from the insurance. The low retention rates may be due to limited benefits, slow claims processing, and differences in claimed and paid amounts.