Authors: Associate Professor Dr. Ramapriya H D
Abstract: The government is committed to provide „Health for all‟ and adequate financing is critical to ensure it. Universal Health Coverage (UHC) which has subsequently replaced the “Health for All” agenda defines “ensuring that all people can use the promote, preventive, curative and rehabilitative health services they need, of sufficient quality to be effective, while also ensuring that the use of these services does not expose the user to financial hardship.. The present study is engaged in a detailed understanding of existing government health insurance schemes of Karnataka state. An empirical study is being endeavoured to capture the perceptions on government health insurance schemes. . Many rural and economically disadvantaged communities in Karnataka struggle with access to formal banking services, which affects their ability to register for and utilize health insurance benefits. The lack of awareness and financial literacy further limits their participation in such schemes. This gap affects the effective utilization of health insurance schemes, as financial inclusion is crucial for accessing and benefiting from such programs.
