Indian Health System is underperforming relative to most global benchmarks and even compared to local neighbours. This underperformance is both on intermediate indicators such as the efficiency of resource use, quality of services, and access to them as well as outcome indicators such as health outcomes, responsiveness, financial protection, and equity. For improving the Indian health System multilevel actions are needed, which includes health financing.

Dvara Research through this new workstream tries to layout pathways to enhance health financing in India to achieve universal healthcare. The below infographic illustrates the journey envisioned by us towards universal healthcare.

This workstream also provides research support to the Lancet Citizens’ Commission on Reforming Indian Health Systems.

Also see


In this post, we lay out some of the consumer-centric mechanisms to resolve demand-side (delayed care-seeking) & supply-side (improper response) issues within the health system.
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Covid-19 has exposed how ESIS and the ESIC system have failed beneficiaries; there is a need for reform involving outcome-measuring, better governance, and competition
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A Dvara Research & IndiaSpend Webinar Series

Over the course of four sessions, distinguished panellists will take up some of the most pressing questions about the financing of healthcare, and suggest pathways and proposals for reforming healthcare in India that are rooted in our context and institutional abilities.

  • Session 1
  • Session 2
  • Session 3
  • Session 4
The Indian health financing landscape: what are the reform opportunities for this decade?
Monday, September 14th, 17:30 – 18:30 IST
  • Public finance first principles. What is the case for Government intervention in health care? What are the public goods in health care?
  • For private goods in health, what are the limitations of a pure OOP approach?
  • The importance of focusing on the quantum and effectiveness of pooled expenditures
  • An overview of the reform pathways for India


Recommended reading: Status of Health Systems in India at National and Subnational Levels – Hasna Ashraf & Nachiket Mor


Commercial health insurance: Why not pay for outcomes?
Friday, October 9th, 17:30 – 18:30 IST
  • Scale and reach, what segments/packages are excluded and why
  • Supply-side problems
  • Role for managed care models
  • International best practices that India can learn from


Recommended reading: Commercial Health Insurance in India – Status and Challenges – by Sowmini Prasad & Indradeep Ghosh


Social Health Insurance – The Broken Promise of Employee State Insurance (ESI)
Friday, November 27th, 16:30 – 17:45 IST

Even though ESI is a great scheme on paper, there are significant problems with its implementation and therefore its effectiveness. In this webinar, our panellists will offer their thoughts on the current state of ESI and what needs to change in order for the scheme to truly deliver on its promise. A key focus of the webinar will be to bring forward and explore the beneficiary’s perspective on ESI – a perspective that is often missing in the public discourse on ESI. 

Recommended reading: Employee State Insurance Scheme – Performance and Potential Pathways for Reform – by Sowmini Prasad & Indradeep Ghosh


PMJAY: Getting it to punch above its (fiscal) weight
  • The current state of PMJAY
  • Problems of design, governance and execution in PMJAYY
  • How solving these problems can allow PMJAY to model changes for the entire health system (especially in the areas of setting standards, network management, data handling and fraud, and delivery of health services)


Date and panel of the session to be announced shortly.