Access to Diagnostic Services Through Health Insurance Schemes: Lessons from a Southern Indian State for Post-COVID Era

Abstract

The ongoing COVID-19 pandemic has reiterated the importance of diagnostic services in ensuring public health of a nation. Access to timely diagnostic services can be limited because of non-availability and inability to pay, especially in lower-middle-income countries. The need for testing for COVID-19 and other diseases is likely to increase in the coming years. An innovative publicly funded health insurance scheme is being implemented in the southern state of Tamil Nadu, India since 2012 for providing financial protection and improving access to diagnostic services. Secondary data pertaining to empanelled public and private diagnostic centres, procedures covered, package rates and claims were procured from the state government and analysed. The article discusses the findings using the World Health Organization’s Universal Health Coverage framework. It argues that public policies providing health protection must explicitly include diagnostic services to fulfil the aim of leaving no one behind in the post-COVID world.