Rashtriya Swasthya Bhima Yojana-Comprehensive Health Insurance Scheme (Rsby-Chis) In Kerala: A Study On The Effectiveness And Utilization Of The Scheme With Special Reference To Ernakulam And Wayanad Districts

Health insurance has become a necessity for the common man, next to food, clothing and shelter. The financing of health expense is either catastrophic or sometimes even frequently contracted illnesses, is a major cause of mental agony for the common man. The cost of care may sometimes result in the complete erosion of the family savings or may even lead to indebtedness as many studies on causes of rural indebtedness bear testimony (Jayalakshmi, 2006). A suitable cover by way of health insurance is all that is required to cope with such situations. Health care insurance rightly provides the mechanism for both individuals and families to mitigate the financial burden of medical expenses in the present context. Hence a well designed affordable health insurance policy is the need of the hour.Therefore, it is very significant to study the extent to which the beneficiaries in Kerala make use of the benefits provided by a social health insurance scheme like RSBY-CHIS. Based on the above pertinent points, this study assumes national relevance even though the geographical area of the study is limited to two districts of Kerala. The findings of the study will bring forth valuable inputs on the services availed by the beneficiaries of RSBYCHIS and take appropriate measures to improve the effectiveness of the scheme whereby maximum quality benefit could be availed by the poorest of the poor and develop the scheme as a real dawn of the new era of health for them

Determinants of Consumer Purchase Decisions of Health Insurance in Kerala

This research work was to study the level of awareness of consumers about health insurance concept and market, consumer perceptions about health insurance providers, schemes and various factors that influence buying decision of health insurance. There is need to bring entire age group – high risk and low risk under health insurance cover. Widening the cover of health insurance calls for indepth understanding of consumer thinking and extensive marketing efforts based on that. Hence the study of consumer perceptions and the impact of different contributing factors on consumer purchase decision assume significance to the marketer. Understanding the consumer thinking on health insurance will also be of relevance to governmental/non governmental agencies, as affordable health care to all is a policy objective of the government and new schemes are being launched in this area.

Employment Realm in Technical Education in Kerala-A Study on the Problem of Unemployment among Engineers

The The The The growing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demandgrowing demand for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of for the expansion of the the the the publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system publicly funded system of education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goodof education as merit and free goods emphasized emphasized emphasized emphasized emphasized emphasized emphasized emphasized emphasized emphasized on large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation large allocation of funds on of funds on of funds on of funds on of funds on of funds on of funds on of funds on of funds on of funds on of funds for promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting educationfor promoting education. Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to . Compared to the rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of Indiathe rest of India, Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead , Kerala is far ahead in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect in this respect primarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the eprimarily because of the earlierarlierarlierarlierarlierarlier political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social political and social compulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions ofcompulsions of the state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The prethe state. The presumption of sumption of sumption of sumption of sumption of sumption of sumption of sumption of sumption of sumption of sumption of assured assured assured assured assured assured assured assured and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed and guaranteed employment in employment in employment in employment in employment in employment in employment in employment in employment in employment in employment in employment in the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East the Middle East and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other and also in other countries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased furthecountries increased further the scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher educationthe scope of higher education in KeralaKeralaKeralaKeralaKeralaKerala, particularparticularparticularparticularparticularparticularparticularparticularparticularparticularly the technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe technical educationthe