Page 25 - Insurance Times November 2018
P. 25

ha  p t in pla e      ontrol  in l din  a thori ation    o e er  a lot o  de ate and di     ion ha   een  oin  on
          a thenti ation  pa   ord    ire all  and data en ryption to  in the p  li  domain re ardin  it   i  al   rden   ea i ility
          prote t the data   hi  i  the  ir t    h health are pro ram   o era e and     e  e    ome e pert  are ar  in  that the
          in the  o ntry to ha e it  o n data pri a y poli y    o t  ill  e a  hi h that it  ill in rea e the  i  al de i it  y
                                                                    p    n  a t  o r e timate      e t that the initial  o t
           he   heme  o er        medi al and   r i al pa ka e    nder  odi are  ill  e le   than the market e timate o
           ate ori ed   nder       pe ialtie      h  a    ardiolo y           rore  e a  e the  laim ratio in the  ir t  e  year
          ne ro  r ery   on olo y    hemotherapy   or      type   o    ill   e lo   a  it   enerally  take   time   or  a arene   to
           an er    and   rn   amon  other    o e er  patient   an t  in rea e   or e ample   et in  rred  laim ratio in        a
          a ail   r i al and medi al pa ka e  at the  ame time   he  lo  in the initial year    rom     in  rred  laim  ratio in
            heme  in l de    i    o pitali ation  e pen e      h  a            it ha  no   one  p to      in
          re i tration  n r in  and  oardin   har e  in  eneral  ard
           ii   on  ltation  ee     r i al e  ipment and pro ed re           r thm t   of
           har e  and  o t o  implant   medi ine   dia no ti  te t  and
                                                                               n r o    n r o    n r o  t t
           ood  or patient   and  iii   ollo   p  are alon   ith pre  and
                                                                                                           r
          po t ho pitali ation e pen e    n  a e o  m ltiple   r erie

          the  hi he t  pa ka e  rate   ill   e   ai ed   or  the   ir t
                                                                remi m  er
          treatment  and    per ent and    per ent o  the  o t   ill
                                                                amily
           e  pro ided   or  the   e ond  and  third  treatment
                                                                remi m  or
          re pe ti ely
                                                                   rore
                                                                amily
           he  premi m   ill   e   i    y  the   tate  health  a en y  in
           on  ltation  ith the  ele ted in  rer   here are    tate     entre
          in l din  t o  nion territorie   ha e opted  or the in  ran e
                                                                tate
          model   hile     tate  opted to  et  p tr  t  or     idy pool
                                                              S       S
           ith        ontri  tion  y  entral and  tate  o ernment
            nd   ill  e  ranted at a  lat premi m o         a  amily
           or the  ir t  i  month   Under the mi ed model   opted  y               o   t     th
          ei ht  tate     laim  o   p to        lakh  ill  e  o ered  y      inan in  health are  o t i  a ma or  hallen e   n  ndia
          an in  rer and anythin  e  eedin  that  ill  e  ettled  y      o  inpatient  pendin  i  met thro  h  orro in
          the tr  t                                                     and  ale o  a  et         he  re t  i    inan ed
                                                                 thro  h ho  ehold in ome  a in        and help  rom
           or the rene al  the  ene i iarie   ill ha e to pay a  pe i i    riend          he       i  more  omprehen i e and
          amo nt o  money  hi h  ill  e  o nted a   a premi m    may help the poor people in the  o ntry in mana in
          amo nt o  money e ery year to rene  their   heme  and  their health are e pendit re
          a ail the  a ilitie  o  the   heme
                                                                  ll the e i tin  national and  tate le el p  li ly   nded
                                                                 in  ran e    heme   in   ndia  ha e  identi ied  tar et
               l  r thm t                                        pop lation  that are eli i le  or the parti  lar   heme
           o implement the   heme   o ernment  ill need to allo ate   o e er   e eral   heme  ha e in  a t re  lted in mi
          aro nd           e ery year  or the e pendit re o  the  tar etin  or mi  in  the tar et alto ether   here i  a
            heme   he  o ernment ha  already mana ed the re  ired    ndamental pro lem  ith   in  the          li t   a
            m  o   money   or  the   ir t  pha e  o   the    heme  the  riteria  or in l  ion and e  l  ion are  a lty   or
            o ernment ha  already pro ided          rore in   d et  in tan e   ido   or  omen headed ho  ehold  tend to
          and            rore i  propo ed to  e mo ili ed thro  h   et e  l ded   here i  al o no reali ti   nder tandin
           e      l o  the Union   d et ha   r ed all the  tate  to take  o   r an po erty  or the p rpo e o  the li t    he e li t
          part in the   heme and the  tate   ill ha e to pro ide      are al o not  pdated re  larly  e  l din  tho e  ho
          monetary need  or the in  ran e premi m o  the  iti en   ha e  een re ently impo eri hed   h    the e   heme
          o  the  tate                                           do not take into a  o nt the  a t that there are e i tin

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