Consumer Concerns in Health Security/Insurance Schemes in India. Sukumar Vellakkal, PhD Health Economist & Adj Assistant Professor, SANCD, PHFI email@example.com. Background. India: Towards Universal Healthcare coverage
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Sukumar Vellakkal, PhD
Health Economist & Adj Assistant Professor,
1. The neo-classical model (the standard economic model of consumer behaviour): Consumer demand is determined by utility maximization subject to a budget constraint
2. The medico-technical model :
Consumer demand is determined by medical experts based on objective needs
3. The imperfect agency model (Mix of both) :
Consumer demand is partly consumer-initiated and partly provider-initiated
India: Consumers are less empowered
(Selection of patients for treatment only for select services that have higher package rates...
Agrees to provide all services in MoU but behave otherwise in practice...no mechanisms to monitor)