In the time of social distancing, telemedicine has emerged as the preferred means of seeking quality healthcare in the country. India’s telemedicine guidelines issued in March 2020 have clarified regulations for startups and investors. With the government’s new guidelines unlocking the prospects for the telemedicine industry, there have been numerous startups that are establishing and announcing their ventures in the segment.
This session provided clarity on the revised guidelines for the telemedicine industry, new prospects to improve access to healthcare at the grass-root level, and global business opportunities.
33. Insurance in Telemedicine
– Insurance Regulatory and Development Authority of India (IRDAI) has advised
insurers to allow telemedicine wherever consultation with a medical practitioner
is allowed in the terms and conditions of policy contract.
– Provision of allowing telemedicine shall be part of claim settlement of policy of
the insurers and need not be filed separately with the Authority for any
modification. However, the norms of sub limits, monthly/ annual limits etc. of
the product shall apply without any relaxation
34. Objective
This move brings relief to health insurance policy holders who may prefer to consult
medical practitioners online or telephonically to avoid going out of their homes or if
they are in quarantine themselves due to the coronavirus infection. Some hospitals have
even started offering some nursing services at the homes of patients in order to reduce
patients visits for safety and better social distancing.
This relaxation becomes particularly relevant as often patients with mild coronavirus
symptoms are advised to just take treatment at home and quarantine themselves. This is
aimed at preventing the spread of the disease as well as to prevent overcrowding of
hospitals.
Anyone taking telemedicine consultation from a doctor will be allowed to claim the
expenses under a health insurance policy provided your policy covers for OPD expenses.
35. Initiative SWASTH:
In the times of Covid-19 Pandemic
A group of 100 organizations including India’s largest hospital chains like Apollo and
Manipal, diagnostic chains like Metropolis and SRL along with technology startups
Practo, 1MG, Mfine, and Curefit have come together to set up a not for profit
telemedicine initiative called Swasth to tackle the Covid-19 pandemic.
Swasth plans to help patients reach nearest test centers and train them in home
quarantine.
Individuals can call a helpline to speak with a doctor for free or get information about
the nearest testing center and hospitals. More than 1,000 doctors on the platform will
offer free consultations, share advice on emotional wellness and dispense instant
prescriptions by text. Those with mild symptoms can access monitoring services for
home isolation or quarantine.
36. Contact Us
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