Page 23 - Insurance Times November 2018

o pop lation he o ernment and people ha e tarted lead to in rea ed ene it in term o lo ered o t and
e plorin ario health inan in option to mana e the in rea ed on mer ati a tion t al o impro e a e to
ri in o t o health are and han in epidemiolo i al health are and pro ide etter er i e ith the
pattern o di ea e li erali ation the health are y tem in ndia ha een
e panded and moderni ed on idera ly ith dramati
o e er a n m er o t die ha re ie ed that the impro ement in li e e pe tan y and the a aila ility o
in ran e heme o ered y o ernment ha e not modern health are a ilitie and etter trainin o medi al
ene ited m h to the poor people hi paper trie to per onnel
di the ario poli y initiati e y o ernment or the
ni er al health are in the o ntry l o di ed the hile the e ol ntary health in ran e heme
i e and a o iated ene it o the ne ational ealth er ed only tho e ho o ld a ord to pay the in ran e
rote tion heme a a part o y hman harat premi m e non o ernmental or ani ation
pro ramme ooperati e and omm nity a ed o t it ha e endea o red
to rin health in ran e to the poor and tho e orkin in
lth n r n n n the in ormal e tor he rea h ala ility and taina ility
o h heme are ho e er limited
o ial e rity or medi al emer en ie i not ne to the
ndian etho t i a ommon pra ti e or illa er to take a
n the la t de ade one o the mo t important poli y
pir a olle tion to pport a ho ehold ith a i k
mile tone i the Unor ani ed orker o ial e rity t
patient o e er health in ran e a e kno it today
ena ted y the entral o ernment to pro ide or
a introd ed only in hen the ir t n ran e t
the o ial e rity and el are o the nor ani ed orker
a pa ed he rrent er ion o the n ran e t a
hi a t re ommend that the entral o ernment pro ide
introd ed in rther in ndia try t ith health
o ial e rity heme to miti ate ri k d e to di a ility
in ran e heme in rea ed hen the employer mandated
health ho k maternity and old a e hi h all nor ani ed
o ial e rity a la n hed
orker et e po ed to and are likely to er rom n ndia
more than t o third o e pendit re on health i thro h
i il er ant and ormal e tor orker ere enrolled into
t o o ket hi h i the mo t ine i ient and lea t
ontri tory t hi hly idi ed health in ran e heme
a o nta le ay o pendin on health
the entral o ernment ealth heme in and
mployee tate n ran e heme in he
pply ide inan in on health alone ha not een o nd to
employee o the ini trie o e tile ail ay and
e e l in red in e pendit re on health
e en e ha e a e to net ork o ho pital di pen arie
tantially and there ore to te t the demand ide
here they don t ha e to pay he e heme enerally
inan in approa h o ernment o ndia de ided to
kno n a employer mandated o ial health in ran e
introd e a htriya a thya ima o ana a ealth
ene it are meant only or ormal e tor orker a t
n ran e heme or the elo o erty ine amilie
ma ority o the pop lation orkin in the in ormal e tor
a la n hed in early ith the o e ti e to red e
remained o t o the pre ie o in ran e prote tion
e pendit re on health and in rea e a e to health
are
he health in ran e market opened p or the re t o the
pop lation in nder the edi laim poli y edi laim
t a the lar e t p li ly nded health in ran e
a the only health in ran e poli y old or a lon time
heme in the orld or the poor in term o the n m er
he in ran e e tor a rther opened p in a a
o ene i iarie t o e on inpatient are parti larly
part o li erali ation ith the ap on orei n dire t
e ondary health er i e and a per the o ernment
in e tment et at thi a rai ed to in
tati ti o elo po erty line amilie
million ere enrolled nder in o ernment
t a hoped that the pri ate dome ti and orei n
o ndia t a med reater i ni i an e ith the
in ran e pro ider o ld rapidly de elop the e tor and
o ernment anno n ement to e it plat orm to mo e
impro e in ran e o era e in ne prod t and etter
to ard ni er al health o era e U
mana ement ompetition it a hoped o ld not only
Th T