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ASHWINI GUDALUR FINANCIAL IMPLICATIONS OF HEALTHCARE. FUNDING SOURCES. PH FOUNDN- Rs 1400000 $ 31818 SKILLSHARE- Rs. 446896 $ 10156 SRTT- Rs 300000
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ASHWINI GUDALUR FINANCIAL IMPLICATIONS OF HEALTHCARE
FUNDING SOURCES PH FOUNDN- Rs 1400000 $ 31818 SKILLSHARE- Rs. 446896 $ 10156 SRTT- Rs 300000 $ 6818 HOSP. INC - Rs 944331 $ 21462 CORPUS - Rs 495185 $ 11254 INS. PREMIUM –Rs 98679 $2242 OTHER - Rs 344598 $7831 TOTAL RS 4029659 $ 91583
TOTAL EXPENSES COMMUNITY HEALTH- Rs 547394 $ 12440 INSURANCE- Rs 323815 $ 7359 CURATIVE CARE- Rs1124044 $25546 TRAINING-Rs. 371555 $ 8444 CAPITAL- Rs 138455 $3146 ADMIN- Rs 377486 $8579 STAFF WELFARE – Rs 94707 $2152 FUNDRAISING- Rs 30524 $ 694 RS 3007980 $ 68363
IN PATIENT EXPENSES TOTAL: Rs 783338 $ 17803 Total Inpatients 1033 Cost / Pt. Rs 758 $ 17 INS. REIMBURSEMENT- Rs.309414 $7032 PAID BY PTS- Rs. 41467 $ 942 DIABETIC FUND- Rs. 29606 $ 673 OWN FUNDS- Rs 402851 $9156
IP EXPENSES NOT COVERED TOTAL Rs. 509979 $ 11590
OUT PATIENT COSTS IN GAH- 6000 patients / year Average Cost Rs 30/ patient Total cost- Rs 180000 $ 4090 Patients pay Rs 10 per visit Total income – Rs 60000 Deficit OP expenses- Rs. 120000 $ 2727
SUB CENTRE OUT PATIENT CARE YEARLY EXPENSE OF Rs. 75000 ANNUAL INCOME Rs 4000
The AMS-ASHWINI Health Insurance 1992-2003 REASONS FOR STARTING MUTUAL INSURANCE- Financial arrangement that enables the members to avoid/reduce payments at the time of use of services • TO ACCESS HEALTH CARE WITH DIGNITY and not depend on welfare or handouts • For Community RISK SHARING of illness-Community Co-operation & Solidarity
Mutual Insurance Design AMS Members Premium Paid Annual Premium Rs. 22 / person ASHWINI the Care Providers & Fund Managers Part cost of treatment Premium Not-Paid Care Preventive OP IP
SUSTAINABILITY • MAJOR ISSUE • TRAINING AND PREVENTIVE CARE • WILL ALWAYS NEED TO BE SUBSIDISED • IT IS THE GOVERNMENTS RESPONSIBILITY • BECAUSE THIS HAS FAILED, OTHERS NEED • TO STEP IN.
BASIC CURATIVE CARE: • SUSTAINABLE FROM: • Insurance reimbursements • Cross subsidy • Patients contribution
OTHER MEASURES • CORPUS FUND- TARGET Rs 10000000 ($ 227272) • ACHIEVED Rs 100000 ! ($22727) • MADHUVANA PLANTATION- • COMMUNITY ASSET • TRAINING PROGRAMS- • MEDICAL STUDENT ELECTIVE! • BRITISH SCHOOL TEACHERS TRAINING • OTHER ACTIVITIES- CYCLE TRIP , ARTEFACTS TO UK • DIRECT MARKETING