A Study on the Role of Health Insurance on Low-Income Group People in Telangana State with Reference to Wanaparthy District

This study investigates the role of health insurance in improving healthcare access and financial security for low-income groups in Telangana, with a specific focus on Wanaparthy District. Health insurance is a critical tool for mitigating the economic burden of medical expenses, particularly for vulnerable populations who often face catastrophic healthcare costs. The research examines the penetration, utilization, and impact of health insurance schemes, including government-sponsored programs like Aarogyasri, on low-income households. It explores how these schemes influence healthcare-seeking behaviour, out-of-pocket expenditure, and overall well-being. Using a mixed-methods approach, the study combines quantitative data from household surveys and qualitative insights from interviews with beneficiaries, healthcare providers, and policymakers in Wanaparthy District. The findings reveal that while health insurance has increased access to hospital-based care, challenges such as low awareness, limited coverage for outpatient services, and bureaucratic hurdles persist. The study also highlights disparities in enrolment and benefits across socio-economic groups, with marginalized communities facing greater barriers. The results underscore the need for targeted interventions to enhance insurance literacy, expand coverage, and streamline claim processes to ensure equitable access. By addressing these gaps, health insurance can serve as a robust mechanism for financial protection and improved health outcomes for low-income populations in Telangana. The study contributes to the broader discourse on universal health coverage and offers policy recommendations for strengthening health insurance frameworks in rural and semi-urban settings like Wanaparthy District. Keywords: Health Insurance, Low-Income Groups, Telangana, Wanaparthy District, Aarogyasri, Healthcare Access, Financial Protection, Out-of-Pocket Expenditure, Universal Health Coverage, Insurance Literacy