Devi, Nirmala2016-12-162023-10-202016-12-162023-10-202016ROLL NO. 10614111https://gyan.iitg.ac.in/handle/123456789/771Supervisor: Rajshree BedamattaSince the initiation of economic reforms in India, central and state governments have retreated from the social sector, by reducing their share of expenditure on basic healthcare and providing fiscal space to private players including the insurance sector.enHUMANITIES AND SOCIAL SCIENCESThesis