Providing affordable healthcare service to people under poverty is not only important, but a must, in view of the vicious circle of poverty. For meeting the global targets, Government of India, in 2008, launched Rashtriya Swasthya Bima Yojana, a flagship healthcare microinsurance intervention, to provide subsidized healthcare facility for the poor. The program primarily aims at providing financial security to the people in times of a health shock. The present study is an attempt to assess the impact of the program, by considering health expenditure, fund mobilization and consumption smoothing as dimensions of financial protection. A quasi-experimental design has been followed where two groups of respondents were involved. The study has used propensity score matching technique for evaluating the program. Additionally, spillover effects of the program were studied by using two control groups. Data have been collected in district Kangra of Himachal Pradesh. The results reveal that health expenditure of the enrolled households has reduced in comparison with non-enrolled households. Fund mobilization and essential household consumption have also been found smooth in the case of program participant households.

鉴于贫困的恶性循环，向贫困人口提供负担得起的医疗服务不仅重要，而且是必须的。为了实现全球目标，印度政府于2008年启动了旗舰医疗保健小额保险干预项目Rashtriya Swasthya Bima Yojana，为贫困人口提供补贴的医疗保健设施。该计划的主要目的是在遭受健康冲击时为人们提供财务安全。本研究试图通过将医疗保健支出，资金动员和消费平缓作为财务保护的内容来评估该计划的影响。遵循了准实验设计，其中涉及两组受访者。该研究使用倾向得分匹配技术来评估该程序。此外，通过使用两个对照组研究了该程序的溢出效果。数据已在喜马al尔邦的康格拉地区收集。结果表明，与未注册家庭相比，已注册家庭的医疗保健支出有所减少。对于参与计划的家庭，资金动员和家庭基本消费也很顺利。