Navigation Links
Health Insurance Scheme Generates Conflicting Opinions

An insurance scheme which has received the approval of the Government is attracting brickbats and bouquets. As many as 2.5 million households stand to benefit from the scheme which the ICICI-Lombard is // meant to implement. But the scheme has come under criticism from some experts who contend that it will do no good to the poor while undermining the reasonably successful public healthcare system in the state.

Every year all households coming under the project can avail themselves of a maximum Rs.5,000 as outpatient expenses, Rs.30,000 for treatment in hospitals, and Rs.15,000 as hospital expenditure for every birth in a family.

The annual premium per family works out to Rs.399. But each family has to pay just Rs.33. The rest will come from the central and state governments and local bodies. Leading public health expert C.R. Soman said that the scheme was practically not feasible.

"It is sad our leaders fall prey to the tactics of companies promising the sky," he said. "The private health sector will take away most patients. The public healthcare sector will suffer. This is the desire of those behind the scheme."

B. Iqbal, a health educationist and a former vice-chancellor of the University of Kerala, said the scheme violated the basic principles of insurance. "The general practice in insurance is to share the risk. Under this scheme, the risk is very high for the company. There is a catch somewhere and only time will where that lies," said Iqbal, who is also a neurosurgeon.

But T.K. Jose, convenor of the official committee that formulated the program, said both the company and the Kerala Government were aware that the first year could see the company in the red. He also said that ICICI-Lombard had come up with the lowest premium quotations.

"We are confident the scheme will be viable because quotations from all nationalized insurance companies were high. The lowest rate from the public sector was Rs.542. The ICICI-Lombard rate was Rs.399”.

Jose, who heads a poverty eradication program of the Government, said the fears of experts were not valid since there were strict checks and balances in the scheme.

"We have prepared a detailed list of treatment to be administered to patients for each illness and it will be the same in both the private and public sectors. All hospitals violating these norms will be blacklisted," said Jose.

He added that the company would get free publicity since it would reach out to 2.5 million households.

"The insurers already have a scheme in Assam and have insured 3.5 million weavers across the country. Moreover, they are contracted to run our program for three years," said Jose.

But economist M.A. Oommen has warned "The need of the hour is to remove the structural anomalies in the public health sector. If this program is launched, in a very short period of time the public healthcare system in Kerala would collapse".

Edited IANS
'"/>




Related medicine news :

1. Startling Expose – Physicians Often Have No Regular Source Of Health Car
2. Want a Healthy brew? Have some Tea!
3. Healthcare sector is now a multi billion-dollar industry in India
4. Exclusive breast-feeding advised for six months in infants recommends World Health Organization
5. Health at heights
6. Health Officials Recommend Flu Vaccine
7. Slightly High BP Poses Health Risk
8. Unsatisfactory Grade On Womens Health Issues
9. Iodex goes to SmithKline Beecham consumer Healthcare
10. Healthy Medicine Or Harmful Intoxicant?
11. Healthy snacks improve nutrition of kids
Post Your Comments:
*Name:
*Comment:
*Email:


(Date:12/7/2016)... ... December 07, 2016 , ... Texas Premier Locksmith ... carried out by unethical locksmith companies and is urging Search Engines to improve ... to Texas Premier Locksmith, these fraudulent locksmith services take advantage of consumers locked ...
(Date:12/7/2016)... (PRWEB) , ... December 07, 2016 , ... "ProBrand Flip ... and all media," said Christina Austin - CEO of Pixel Film Studios. , ProBrand ... easy to use drop zones. Editors can select from a variety of flip book ...
(Date:12/7/2016)... (PRWEB) , ... December 07, 2016 , ... ... Infertility and Wellness (IFW) Program at Reproductive Medicine Associates of Connecticut (RMACT). McLaughlin ... has a team of three acupuncturists to help patients realize their family building ...
(Date:12/7/2016)... ... December 07, 2016 , ... “Walking With God: Inspirational ... that will inspire the reader to be aware of God's direction in their lives. ... author, Sanford Smith, retired teacher and active church leader. , Sanford says, ...
(Date:12/7/2016)... ... December 07, 2016 , ... ... annual Business Architecture Innovation Summit in Reston, VA on March 21-22, 2017. This ... share a range of experiences from a cross-section of industries such as financial ...
Breaking Medicine News(10 mins):
(Date:12/7/2016)... NORTH READING, Mass. , Dec. 7, 2016 ... Track and Trace Network for connecting the Life ... from the global marketplace, today announced that Tjoapack ... 50+ European pharmaceutical manufacturing customers comply with the ... Supply Chain Security Act (DSCSA) in 2017 and ...
(Date:12/7/2016)... 7, 2016  Varian Medical Systems (NYSE: ... announced plans to separate its Imaging Components business.  The ... distribution to Varian stockholders of common stock in Varex ... hold the Imaging Components business.  As part of the ... the end of January 2017, Varian will receive an ...
(Date:12/7/2016)... 7, 2016  Organovo Holdings, Inc. (NASDAQ: ... focused on delivering scientific and medical breakthroughs using ... and Chief Executive Officer Keith Murphy ... December 14, 2016 at 1:00 p.m. Eastern Time ... yet familiar with the Company, an informational video ...
Breaking Medicine Technology: