Nachiket Mor

Nachiket Mor
The Banyan Academy of Leadership in Mental Health

PhD (Economics)

About

70
Publications
66,699
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158
Citations
Introduction
Nachiket Mor has a PhD in Economics from the University of Pennsylvania. His current work is principally focused on the design of national and regional health systems. He was a member of the Planning Commission’s High-Level Expert Group on Universal Health Care, the Primary Care Task Force of the Ministry of Health and Family Welfare, the Health Commission for the State of Himachal Pradesh, and the Task Force on Global Health at the Academy of Medicine in Washington DC. He helped create a new model for comprehensive primary care, pioneered by SughaVazhvu Healthcare in remote rural parts of Tamil Nadu, and offers a seminar on Health Systems Design at the Chennai based Banyan Academy of Leadership in Mental Health. Profile: https://www.linkedin.com/in/nachiketmor/
Education
September 1990 - December 1994
University of Pennsylvania
Field of study
  • Economics

Publications

Publications (70)
Article
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Building good health systems is an important objective for policy makers in any country. Developing countries which are just starting out on their journeys need to do this by using their limited resources in the best way possible. The total health expenditure of a country exerts a significant influence on its health outcomes but, given the well-und...
Article
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Importance: High out-of-pocket expenditure (OOPE) on health in India may limit achieving universal health coverage. A clear insight on the components of health expenditure may be necessary to make allocative decisions to reduce OOPE, and such details by sociodemographic group and state have not been studied in India. Objective: To analyze the re...
Article
Biomedical health interventions now have global reach and interact in complex and often poorly understood ways with traditional medical rituals that precede biomedicine. People often experience biomedical practices and treatments as rituals because they are very similar from an experiential perspective.¹ Yet the global public health community often...
Preprint
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In this paper, we analyse the political determinants of improved health outcomes, making a case for political attention to healthcare, through increased investments, healthcare reforms and improved capacity to deliver curative and public health. We build on both theoretical frameworks and global and sub national experience, to develop hypotheses fo...
Preprint
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India has made very good progress on financial inclusion over the last decade but with a 2020 credit-to-GDP ratio of only 55.3\% in 2020 when compared to China's 182.4\%, USA's 216.3\%, and Thailand's 160.3\%, the banking sector remains small, acting as perhaps the single most important impediment to India's growth. Similarly, if financial access i...
Article
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Background The rate of caesarean delivery has increased markedly both globally and within India. However, there is considerable variation within countries. No previous studies have examined the relative importance of multiple geographic levels in shaping the distribution of caesarean delivery and to what extent they can be explained by individual-l...
Preprint
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The COVID-19 pandemic represents one of the most difficult periods in India's history. The pain, suffering, and the loss of life that it inflicted reached out to touch each and every Indian family no matter how rich or poor. However, during this time while there was also much that happened, often behind the scenes, that was remarkable. This note fo...
Article
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Background Maternal malnutrition is a major source of regional health inequity and contributes to maternal and infant morbidity and mortality. Bihar, a state in eastern India adjacent to Jharkhand and West Bengal, has relatively high neonatal mortality rates because a large portion of infants are born to young mothers. Bihar has the second-highest...
Preprint
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The use of AI-ML is still at an early state in public health settings but the examples from Disease Surveillance, Public Health Education, and Public Health Research suggest that some progress has indeed been made already and that there is enormous scope for further application of these ideas in the future. Such approaches could allow developing co...
Preprint
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Healthcare deviates considerably from the standard image of a clinical-medical model and involves a number of complex issues that have a deep influence on the health and well being of individuals and communities. However, despite the importance of these issues, the field of medicine has few, if any, solutions to offer on its own, and is likely to b...
Article
The article explains why Oxygen therapy in primary care settings holds the key to an effective COVID-19 response in India and in other developing countries. It also emphasises that such a primary care focused COVID-19 response has the potential to strengthen overall long-term health systems capacity in developing countries.
Preprint
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In this article the Control Knobs framework is used to examine how states in India perform on intermediate and eventual outcome indicators, with the help of some recent evidence. This is followed by a deeper examination of the Indian health system using one of the Control Knobs, namely financing, and to propose some reforms on that front. Using C-S...
Preprint
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While COVID-19 infection rates are likely to be high around the world, what will vary considerably, after accounting for differences in age profiles, and will be critically dependent on the level of preparedness, will be the eventual death rates. This suggests that while the current measures to slow the spread of the virus need to continue, the tim...
Preprint
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This is an indicative protocol for a first level oxygen therapy centre for patients with suspected or confirmed COVID-19. Patients with COVID-19 have a risk of experiencing rapid decompensation and should ideally be treated in centres which have the on-site ability to offer advanced oxygen therapy to them. However, most patients, even those that ar...
Preprint
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In the fight against the COVID-19 epidemic, the emerging evidence suggests that the front-line NGOs and PCPs are going to be at the forefront of the battle against this disease, and not merely spectators, and need to prepare themselves accordingly.
Preprint
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It is clear from the emerging evidence that the response to COVID-19 will have to be mounted on multiple fronts and that the community, NGOs, and primary care providers (PCPs) are going at the front-lines of this battle, not merely spectators. However, to do this well they will need to enhance the knowledge and financial resources available to them...
Preprint
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This document is intended to provide a summary of the resources available to help primary care providers (PCPs) as they seek to address the needs of their patients during the current COVID-19 epidemic.
Preprint
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India has a very wide variation in Cesarean Section (C-Section) rates across the country. While in several Districts, driven by resource constraints, the rates are extremely low, in some of the Districts in the richer States of India, they are particularly high, exceeding, for example, 75% in the Karimnagar District of Telangana. And, while the rat...
Preprint
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An Approach Towards Health Systems Design in India
Preprint
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West Virginia is amongst the poorest States in United States with some of its counties, such as the McDowell County, showing life-expectancy and poverty rates comparable to those of developing countries. It has a high Suicide Mortality Rate, which has been rising at the rate of about about 6% annually, and is, for the most part, concentrated amongs...
Preprint
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Comprehensive primary care is a key component of any good health care model. There is good evidence that health systems that effectively address sources of ill-health, and identify and treat diseases early in their life-cycles, deliver far better health outcomes for the same level of expenditure, than do others which leave people to their own devic...
Article
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The objective of the current study is to examine the cultural ecology of health associated with mitigating perinatal risk in Bihar, India. We describe the occurrences, objectives and explanations of health-related beliefs and behaviours during pregnancy and postpartum using focus group discussions with younger and older mothers. First, we document...
Preprint
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It is clear from global and local experience that primary care is an essential component of any health system and there are several models globally that have been well-studied. However, there are a number of barriers that need to be overcome before this kind of primary care becomes a reality within India.
Preprint
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Comprehensive primary care is an essential part of all high-performing health systems. Only way developing countries like India, will be able to provide such services within their available-resources envelope is by fully harnessing the power of technology. However, to be truly effective, these solutions will need to have several key components whic...
Preprint
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A wide variety of health worker roles are possible within the current regulatory framework. There are also a number of organizations, both government owned as well as outside the government that have worked with multiple types of health workers. However, there are several areas in which improvements are needed and there is an urgent need for growth...
Preprint
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There is much that needs to be done to craft a sustainable financing strategy for primary care. While there are several global and local benchmarks that one can learn from, ultimately a great deal of local experimentation and research will be needed to develop strategies that work in each context. The note explores the twin challenges of high price...
Preprint
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Primary care is an essential part of any health system and is offered in multiple settings in both developed and developing country contexts. Primary care often is the first, and sometimes the only, point of contact with patient, and providers in these settings generally encounter patients who are either asymptomatic or have some presenting complai...
Preprint
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India has a very large cohort of young people, between the ages of 0 to 24, many of whom do not stay in school beyond the primary level, and those that do "disconnect" from the school system, do not have job. Additionally, those that do remain in the schooling system, have very poor learning outcomes and have basic capabilities in mathematics and l...
Preprint
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Worldwide incidence of obesity has tripled since 1975, and in 2016, more than 1.9 billion adults were overweight, over 650 million of whom were afflicted with obesity. India is currently estimated to have 135 million obese individuals overall, with a number of States having obesity rates in excess of 25% of the adult population. Evidence seems to i...
Preprint
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Using the standard Solow Model augmented with Human Capital and a specific formulation of the dynamics associated with it, the implications on the per-capita growth rates of an economy are explored. The model and its associated dynamics suggest that, within a “reasonable” overall savings (investment) rate (s = 25% in the model), a “reasonable” prop...
Preprint
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The global community has taken the position that tax-based financing is the only viable route towards universal health care for developing countries and getting governments to allocate 4 to 5% of their GDP for this constitutes a pre-requisite for beginning this journey. However, many governments of developing countries, including large ones like In...
Preprint
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The supply of medical doctors is a critical problem in many countries, including India. One of the significant issues limiting this supply is the unavailability of student loans for medical education, which restricts the number of students that can be admitted, and which in turn, limits the number of medical colleges that can be sustainably run. Th...
Article
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India's health care sector provides a wide range of quality of care, from globally acclaimed hospitals to facilities that deliver care of unacceptably low quality. Efforts to improve the quality of care are particularly challenged by the lack of reliable data on quality and by technical difficulties in measuring quality. Ongoing efforts in the publ...
Article
The paper explores the role that Social Health Insurance (SHI), as an organisational mechanism for raising and pooling additional funds, can play in financing health services in India. It formulates an SHI concept and its aims for India and examines case studies of different countries that have sought to finance their health services through SHI to...
Article
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With a low Tax to GDP ratio of only 17%, despite allocating 10% of its revenues to healthcare, India will be unable to finance all of her healthcare needs from public expenditures. Therefore, the only way to ensure that all of her citizens get good healthcare, is for the Indian government to emerge as a single payer and design a high quality, prima...
Article
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In the world of Microfinance women’s collectives have acquired a great deal of prominence around the world. A strongly held belief is that the formation of these groups has had a transformative impact on the lives of women and this is mainly attributed to the improvement in financial status of women due to the direct links between the microcredit o...
Article
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This note advances four inter-related arguments to suggest that building a high quality health system that is intended to address only MCH goals is unlikely to deliver on MCH goals in a cost-effective manner. The note argues that, medically, since the most important drivers of infant, child, and maternal mortality, now are complications such as hae...
Article
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Designing health systems is a complex challenge. It is made all the more complex in a large and diverse country like India because of the extent and magnitude of variations in it. An attempt is made in this note to carefully study the Indian State of Himachal Pradesh as a case study and to develop a health systems design for it by carefully analyzi...
Article
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Given the high burden of disease and the already high amount of money spent by the government and the population, there is no reason why a Managed Care model cannot be experimented with by both the government and the private sectors either in partnership with each other or entirely on their own. This note describes just such a Managed Care model fo...
Article
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A case for government intervention can be made where it can be argued that either there is market failure or that a market based solution even though efficient is not optimal according to the government’s definition of welfare. The provision of healthcare faces many problems of market failure and welfare loss that are accentuated by the fact the co...
Article
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Good health is an essential component of human development but while there has been a gradual improvement in the average health status of human beings, countries around the world have struggled to build health systems which have the capacity to ensure the best possible health of every human being in an affordable way. The principal reason for this...
Conference Paper
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The aim of the conceptual research is to discuss the work done by PHFI in developing National Essential Health Package for India focusing on issues and challenges of political and administrative structure in federal states. Owing to the fact that health being state government’s prerogative, promoting universal health coverage at National level in f...
Article
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The note shows that there are several links between financial development and health. Using multiple pathways, these operate through both the Growth Channel and the Volatility Channel. However the note points out that both healthcare and financial access have special characteristics that have an important influence on how the benefits of financial...
Article
This document develops a framework for an Essential Health Package comprising 34 health categories. It provides detailed care pathways and associated costs and path-dependent conditional probabilities for Anaemia, Cardio Vascular Disease, Diabetes, and Tuberculosis. Using the frameworks developed here designers of health systems can provide detaile...
Article
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Health is a State subject in India. For most States it is clear that given the level of financing that is available for the provision of healthcare, it would not be possible to offer universal healthcare no matter what method of purchasing is used or whether the private sector or the public sector emerge as the principal providers. For these States...
Article
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In this paper, we present two stylized models of the financial system. We make the case that in order to realize the potential of a well-functioning complete financial market, financial system designers and financial service providers will need to think about ways to deliver financial propositions that are customized to individual households by res...
Technical Report
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A quiet revolution in education has been underway in Indian schools—from 2002–03 to 2006–07, the number of elementary schools increased by 40 percent and today 98 percent of households are located within 1 km of a primary school and 84 percent are located within 3 km of an upper primary school.1 In addition, the public school system has hired appro...
Article
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In the paper it is argued that there exist a set of market based approaches, which use subsidy and grant resources in a parsimonious manner but have the potential to address poverty on a scaled basis. At the heart of this approach is building universal access to financial services as a starting point. It is suggested that such access is best provid...
Article
Besides facilitating overall economic growth, finance can help individuals smooth their income, insure themselves against risks and broaden investment opportunities. Empirical evidence shows that inclusive financial systems significantly raise growth, alleviate poverty and expand economic opportunity. This paper lays out several principles that sho...
Article
Besides facilitating overall economic growth, finance can help individuals smooth their income, insure themselves against risks and broaden investment opportunities. Empirical evidence shows that inclusive financial systems significantly raise growth, alleviate poverty and expand economic opportunity. This paper lays out several principles that sho...
Chapter
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This chapter focuses on access to finance for the rural and urban poor in India. It provides a brief overview of the current situation, including some measurement issues. It discusses various dimensions of access relevant to universal access and describes India’s current regulatory approach. Some policy initiatives that might have an impact on univ...
Article
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Nachiket Mor (nachiket.mor@icicibank.com) is a member of the Board of Directors and a Deputy Managing Director at ICICI Bank, India; a member of the Board of Governors of the Institute for Financial Management and Research (IFMR), Chennai, India and the Chairman of its Managing Committee; and a member of the Board of Directors of CARE USA. Sanjeev...
Article
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Despite a plethora of initiatives, it is estimated that over 500 million people in India continue to have no access to financial services. While ensuring the accessibility of such services does not constitute the sole panacea for economic growth, there are definite causal links between ensuring such increased access, growth and poverty reduction. T...
Article
Since the beginning of the financial sector reforms in early 1990s, boundaries between products and intermediaries have been blurring rapidly. The entry of several large government-owned as well as non-governmental financial sector participants in a variety of related domains such as securities trading, investment banking, commercial and retail ban...
Article
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The three essays included in the thesis examine the issue of nonlinearity in exchange rates from different perspectives. In the first essay the issue of model selection in financial markets is examined and it is demonstrated that in order to evaluate models of nonlinearity in financial asset returns the Quadratic Loss function is not the best one t...
Article
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Broadly, e-money is an electronic store of monetary value on a technical device. E-money could be classified as (a) pre-paid stored value card (sometimes called "electronic purse") and (b) pre-paid software based product that uses computer networks such as internet (sometimes referred to as "digital cash" or "network money"). The stored value card...
Article
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Bindu Ananth is a Manager with ICICI Bank's Social Initiatives Group and co-ordinates the work of the Centre for Micro Finance Research (CMFR) at the Institute of Financi al Management and Research (IFMR). Nachiket Mor is an Executive Director with ICICI Bank and is the Chairman of the Managing Committee of IFMR. The views expressed in this note ar...
Article
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While warehouse receipt (WR) finance has been in existence in India for a long time, and traders and large farmers do benefit by availing of the mechanism, small and marginal farmers have been virtually left out of it. This paper discusses the advantages and disadvantages of WR financing in India from small farmers’ point of view, while citing exam...

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Projects (6)
Project
Knowledge synthesis relating to COVID-19
Project
This explores various aspects of primary care with a focus on India and developing countries.