Should Governments engage health insurance intermediaries? A comparison of benefits with and without insurance intermediary in a large tax funded community health insurance scheme in the Indian state of Andhra Pradesh.

We see an interesting trend in the bidding documents of not only RAS but also other government financed health insurance schemes in India where around 20 % of contract value is allowed to the insurer as administrative cost provided the actual claim payment falls below 80 % [ 1 ].

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