India's insurance-based social protection programmes are yet to make any impact on the unorganised sector because of poor design and lack of proper implementation mechanism, a World Bank report said. The report titled 'Social Protection for a Changing India' said that insurance-based interventions remain in their infancy in terms of coverage of the unorganised. The Indian government has started several social insurance based schemes, including Rashtriya Swasthya Bima Yojna (RSBY), Aam Admi Bima Yojana (AABY) and social insurance for unorganised workers. The report, however said that expanding informal sector coverage of social insurance is a challenge that India has had relatively limited success with until very recently, despite a series of central and state-specific schemes.While appreciating the RSBY scheme aimed at providing subsidised health insurance for hospitalisation for BPL households, the report said, it is exciting and rapidly expanding initiative which can provide a way forward.