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BFSI Chronicle, 11 Edition September 2022
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insurance is to be straightened. References:
• Aayog, N. (2021). Health Insurance for India’s
 Problems of policy holders to be taken care of. Missing Middle. Delhi: NITI Aayog.

 Linkage set up between health care programmes • Ganatra, M. (2022, September 6). https://www.
and health insurance schemes outlookindia.com/. Retrieved from https://www.
outlookindia.com/.
To sum up
Effective penetration is effective when policy holder • Jadhav, R. (2022, July 14). https://www.
does not face any difficulty in case, he/she happens to thehindubusinessline.com/data-stories/data-focus/.
avail the benefit of the policy. This becomes easier in Retrieved from https://www.thehindubusinessline.
the option of cashless transactions. Along with there com/.
must be strict vigilance that no one is able to misuse
the facilities provided by the scheme. • PWC. (2020). Health Insurance Consumer Pulse
Survey.
Effective penetration of health insurance schemes
would surely result in better health of people. The • Sharma, R. (2022, May 14). https://www.business-
goal of the entire insurance scheme is to manage the standard.com/topic/health-insurance. Retrieved from
out-of-pocket cost and to ensure better health. Though https://www.business-standard.com/.
it is not under the purview of this article, health
depends upon many other factors too, if insurance • Statista Research, D. (2022, July 21). https://
can become a holistic approach, then the effective www.statista.com/markets/414/finance-insurance/.
penetration would be really EFFECTIVE. Retrieved from https://www.statista.com/.

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