IMPLEMENTING HEALTH INSURANCE FOR THE POOR: THE ROLLOUT OF RSBY IN KARNATAKA

The National Health Insurance Scheme (Rashtriya Swasthya Bima Yojana, RSBY) aims to improve poor people's access to quality health care in India. This paper looks at the implementation of the scheme in Karnataka, drawing on a large survey of eligible households and interviews with empanelled hospitals in the state. Six months after initiation, an impressive 85% of eligible households in the sample were aware of the scheme, and 68% had been enrolled. However, the scheme was hardly operational and utilisation was virtually zero. A large proportion of beneficiaries were yet to receive their cards, and many did not know how and where to obtain treatment under the scheme. Moreover, hospitals were not ready to treat RSBY patients. Surveyed hospitals complained of a lack of training and delays in the reimbursement of their expenses. Many were refusing to treat patients under the scheme until the issues were resolved, and others were asking cardholders to pay cash. As is typical for the implementation of a government scheme, many of the problems discussed can be related to a misalignment of incentives.

Motivating knowledge agents : can incentive pay overcome social distance?

This paper studies the interaction of incentive pay and social distance in the dissemination of information. We analyse theoretically as well as empirically the e ect of incentive pay when agents have pro-social objectives, but also preferences over dealing with one social group relative to another. In a randomised eld experiment undertaken across 151 villages in South India, local agents were hired to spread information about a public health insurance programme. Relative to at pay, incentive pay improves knowledge transmission to households that are socially distant from the agent, but not to households similar to the agent

Nano tracks in fullerene film by dense electronic excitations

In the present work, we investigate the formation of nano tracks by cluster and mono-atomic ion beams in the fullerene (C60) thin films by High Resolution Transmission Electron Microscopy (HRTEM). The fullerene films on carbon coated grids were irradiated by 30 MeV C60 cluster beam and 120 MeV Au mono-atomic beams at normal and grazing angle to the incident ion beams. The studies show that the cluster beam creates latent tracks of an average diameter of around 20 nm. The formation of large size nano tracks by cluster beam is attributed to the deposition of large electronic energy density as compared to mono-atomic beams.Comment: Under revision. Applied Surface Science (2014

Implementing health insurance for the poor: the rollout of RSBY in Karnataka

The National Health Insurance Scheme (Rashtriya Swasthya Bima Yojana, RSBY) aims to improve poor people’s access to quality health care in India. This paper looks at the implementation of the scheme in Karnataka, drawing on a large survey of eligible households and interviews with empanelled hospitals in the state. Six months after initiation, an impressive 85% of eligible households in the sample were aware of the scheme, and 68% had been enrolled. However, the scheme was hardly operational and utilisation was virtually zero. A large proportion of beneficiaries were yet to receive their cards, and many did not know how and where to obtain treatment under the scheme. Moreover, hospitals were not ready to treat RSBY patients. Surveyed hospitals complained of a lack of training and delays in the reimbursement of their expenses. Many were refusing to treat patients under the scheme until the issues were resolved, and others were asking cardholders to pay cash. As is typical for the implementation of a government scheme, many of the problems discussed can be related to a misalignment of incentives

Unified theory for Goos-H\"{a}nchen and Imbert-Fedorov effects

A unified theory is advanced to describe both the lateral Goos-H\"{a}nchen (GH) effect and the transverse Imbert-Fedorov (IF) effect, through representing the vector angular spectrum of a 3-dimensional light beam in terms of a 2-form angular spectrum consisting of its 2 orthogonal polarized components. From this theory, the quantization characteristics of the GH and IF displacements are obtained, and the Artmann formula for the GH displacement is derived. It is found that the eigenstates of the GH displacement are the 2 orthogonal linear polarizations in this 2-form representation, and the eigenstates of the IF displacement are the 2 orthogonal circular polarizations. The theoretical predictions are found to be in agreement with recent experimental results.Comment: 15 pages, 3 figure

Replicating Nanostructures on Silicon by Low Energy Ion Beams

We report on a nanoscale patterning method on Si substrates using self-assembled metal islands and low-energy ion-beam irradiation. The Si nanostructures produced on the Si substrate have a one-to-one correspondence with the self-assembled metal (Ag, Au, Pt) nanoislands initially grown on the substrate. The surface morphology and the structure of the irradiated surface were studied by high-resolution transmission electron microscopy (HRTEM). TEM images of ion-beam irradiated samples show the formation of sawtooth-like structures on Si. Removing metal islands and the ion-beam induced amorphous Si by etching, we obtain a crystalline nanostructure of Si. The smallest structures emit red light when exposed to a UV light. The size of the nanostructures on Si is governed by the size of the self-assembled metal nanoparticles grown on the substrate for this replica nanopatterning. The method can easily be extended for tuning the size of the Si nanostructures by the proper choice of the metal nanoparticles and the ion energy in ion-irradiation. It is suggested that off-normal irradiation can also be used for tuning the size of the nanostructures.Comment: 12 pages, 7 figures, regular paper submitted to Nanotechnolog

Shape of a liquid front upon dewetting

We examine the profile of a liquid front of a film that is dewetting a solid substrate. Since volume is conserved, the material that once covered the substrate is accumulated in a rim close to the three phase contact line. Theoretically, such a profile of a Newtonian liquid resembles an exponentially decaying harmonic oscillation that relaxes into the prepared film thickness. For the first time, we were able to observe this behavior experimentally. A non-Newtonian liquid - a polymer melt - however, behaves differently. Here, viscoelastic properties come into play. We will demonstrate that by analyzing the shape of the rim profile. On a nm scale, we gain access to the rheology of a non-Newtonian liquid.Comment: 4 pages, 4 figure

On a universal photonic tunnelling time

We consider photonic tunnelling through evanescent regions and obtain general analytic expressions for the transit (phase) time $\tau$ (in the opaque barrier limit) in order to study the recently proposed ``universality'' property according to which $\tau$ is given by the reciprocal of the photon frequency. We consider different physical phenomena (corresponding to performed experiments) and show that such a property is only an approximation. In particular we find that the ``correction'' factor is a constant term for total internal reflection and quarter-wave photonic bandgap, while it is frequency-dependent in the case of undersized waveguide and distributed Bragg reflector. The comparison of our predictions with the experimental results shows quite a good agreement with observations and reveals the range of applicability of the approximated ``universality'' property.Comment: RevTeX, 8 pages, 4 figures, 1 table; subsection added with a new experiment analyzed, some other minor change