Abstract
Recently many states in India have rolled out publicly financed health insurance schemes owing to the poor public health infrastructure. Tamil Nadu Chief Minister's health insurance scheme is one such scheme launched in 2012. The qualitative design of the study pulls out some interesting themes vis the problems faced by the providers as well as beneficiaries with respect to the scheme, the plight of the enrollees. Eight in-depth interviews were conducted with the insurance enrollees and beneficiaries in The Nilgiris district in the state of Tamil Nadu, India. The findings revealed the hardships faced by the beneficiaries to procure smart card both financial and physical. Four formal interview were conducted to gain insight on provider's and other government officials perspective which revealed the problem of delayed reimbursements for the procedures performed to the providers and inputs on how the scheme could be improved based on population's health needs.
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