Arogya Raksha Yojana


 

 

 
Arogya Raksha Yojana Health Micro Insurance


Groups 2006 2007 2008 2009
  Lives Premium Lives Premium Lives Premium Lives Premium
Retail 12427 1521934 13259 1623830 13350 1634975 24101 2951650
Corporate 2820 345365 7613 932364 7568 926853 8668 1061570
School 29897 3661485 29519 3615192 29376 3597678 26720 3272400
NGO/MFI 11267 1379869 12141 1486908 19030 1718254 13000 159220
Total 56411 6908653 62532 7658294 69324 7877760 72489 8877820
Avg.Prem   122.47   122.47   122.47   122.47

 

Groups 2010 2011 2012 2013
  Lives Premium Lives Premium Lives Premium Lives Premium
Retail 31527 3958215 35188 5151523 32179 5269633 24700 6422000
Corporate 4212 528820 10338 1513500 8350 1367396 7500 1950000
School 26700 520033 15000 2196000 10000 1637600 - -
NGO/MFI 12315 1546150 19003 2782039 8335 1364940 4500 1170000
Total 74754 9385385 79529 11643062 58864 9639569 36700 9542000
Avg.Prem   125.55   146.4   163.76   260.00

 

 

 
Claim Analysis


Category 2006 2007 2008 2009 2010 2011 2012 2013 2014
No. Lives 56411 62532 69324 72489 74754 79529 58864 36700 34500
Premium (Rs. Lacs) 69.09 76.58 84.9 88.77 93.85 116.43 96.4 95.42 81.57
Premium per life (Rs) 122.47 122.47 122.47 122.47 125.55 146.4 163.76 260.00 236.00
No. of Hospitals 20 20 20 20 30 35 35 38 34
 
Claims 320 324 410 483 527 452 565 367 354
Value of claims
(Rs Lacs)
29.95 68.92 90.84 97.65 112.62 186.28 134.95 78.17 69.15
Avg. claim cost (Rs) 8414 21273 22157 20 21370 23183 23900 21300 19533
Claim Ratio (%) 43 90 107 110 122 160 140 81.9 117


Claims by Illness
Illness Procedures (2013-14) % of total
Cardiac Procedures 08 2.2
OB/GYN 18 05
Normal Delivery 16 4.5
C-Section 31 8.7
Hysterectomy 06 1.6
Ophthalmology 78 22
All others 197 55.6
Total 354 100