This document provides an overview of a proposed health insurance plan targeted at rural and semi-urban populations in India. The plan would offer health insurance for Rs. 2 per day per person, covering all medical expenses without hidden clauses. It aims to make quality healthcare accessible to all regardless of financial status. The target market is people in rural and semi-urban areas with a monthly family income above Rs. 3000 who are currently not covered by other insurance plans. The proposed plan would use the law of large numbers to provide high quality coverage at an affordable price through standardized treatments and a streamlined claims process.
The document discusses health insurance in India and considerations for devising an appropriate model. It provides an overview of healthcare spending and coverage in India compared to other countries. The key issues identified are the lack of adequate insurance coverage and low proportion of healthcare financing from insurance. Global experience shows that private insurance can play an important role alongside public schemes. An appropriate model for India would need to take a differentiated approach across population segments and consider factors like product scope, subsidies and incentives to encourage coverage expansion. Community-based health initiatives have shown success in reaching poorer segments in a cost-efficient manner.
The document discusses health information exchange (HIE), defining it as a platform that facilitates the exchange of healthcare information among various stakeholders commercially and non-commercially. It identifies the key stakeholders as healthcare seekers, providers, pharmaceutical companies, pharmacies/chemists, insurers, government agencies, NGOs, and institutes. The document outlines the interactions and value propositions of HIE for each stakeholder, such as improved care quality, access to new markets, increased sales and membership, and better health outcomes.
This document provides a glossary of terms related to individual health insurance. It defines terms like agent, annual deductible, coinsurance, network providers, pre-existing conditions, and premiums. It also provides contact information for Celtic Insurance Company, an individual health insurance provider. Celtic aims to offer consumers affordable and easy-to-understand insurance plans. The glossary helps explain insurance concepts and Celtic's services.
Government sponsored health insurance in indiabrandsynapse
This document analyzes government-sponsored health insurance schemes in India. It finds that while the schemes have increased access to healthcare, they face challenges in expanding coverage, controlling costs, and ensuring quality. It makes recommendations to address these issues by strengthening governance, purchasing practices, cost containment measures, quality-based purchasing, and expanding the role of public hospitals. Expanding population and benefit coverage in a consolidated manner could help progress toward universal health coverage in India. However, significant resources would be required to fully fund the proposed expansions.
-operative
Study Banks
The document discusses empowering cooperative banks in India through effective implementation of information technology. It provides an overview of the cooperative banking structure and the current state of IT implementation. Specifically, it outlines the core banking solution (CBS) requirements for cooperative banks, including the CBS modules, wrap-around applications, delivery channels, data center setup, network connectivity, security, training, and customization needed for implementation. The goal is to envision how CBS can be implemented and customized at cooperative banks given their current level of IT maturity.
This document summarizes a presentation on relooking at Asian Paints' CRM implementation to achieve a single view of the customer. It includes an agenda, project briefing, methodology overview, and discussion of current CRM touchpoints and concerns. The project aims to assess the current process, gather business requirements, conduct benchmarking, and provide recommendations to achieve a single customer view across changing business models. Key issues with the current system include a lack of centralized customer data, data not flowing between connected systems, siloed applications and processes, and limited CRM adoption.
Founded in 1809, Colgate Palmolive operates in over 200 countries with around 39,200 employees worldwide. It has major manufacturing facilities across the US and overseas, producing products for oral care, personal care, home care, and pet food. Colgate Palmolive uses a global supply chain network involving ocean and truck shipments to distribute products from manufacturing facilities to warehouses and stores. It partners with a single global logistics company to transport goods between continents via trucking.
Supply chain for a petroleum industry refinery downstream dissertation acHeisenberg26
This document discusses supply chain issues and practices in the petroleum industry, specifically refinery downstream. It examines challenges in pipeline logistics, refinery operations, tanker storage, and the role of information technology. The document reviews literature on supply chain management in the oil industry and outlines the research methodology, which includes identifying key issues, industry practices, and a case study analysis of an oil company's supply chain. The scope of the research is to investigate supply chain management strategies in the petroleum sector to improve coordination across the supply chain.
The document discusses health insurance in India and considerations for devising an appropriate model. It provides an overview of healthcare spending and coverage in India compared to other countries. The key issues identified are the lack of adequate insurance coverage and low proportion of healthcare financing from insurance. Global experience shows that private insurance can play an important role alongside public schemes. An appropriate model for India would need to take a differentiated approach across population segments and consider factors like product scope, subsidies and incentives to encourage coverage expansion. Community-based health initiatives have shown success in reaching poorer segments in a cost-efficient manner.
The document discusses health information exchange (HIE), defining it as a platform that facilitates the exchange of healthcare information among various stakeholders commercially and non-commercially. It identifies the key stakeholders as healthcare seekers, providers, pharmaceutical companies, pharmacies/chemists, insurers, government agencies, NGOs, and institutes. The document outlines the interactions and value propositions of HIE for each stakeholder, such as improved care quality, access to new markets, increased sales and membership, and better health outcomes.
This document provides a glossary of terms related to individual health insurance. It defines terms like agent, annual deductible, coinsurance, network providers, pre-existing conditions, and premiums. It also provides contact information for Celtic Insurance Company, an individual health insurance provider. Celtic aims to offer consumers affordable and easy-to-understand insurance plans. The glossary helps explain insurance concepts and Celtic's services.
Government sponsored health insurance in indiabrandsynapse
This document analyzes government-sponsored health insurance schemes in India. It finds that while the schemes have increased access to healthcare, they face challenges in expanding coverage, controlling costs, and ensuring quality. It makes recommendations to address these issues by strengthening governance, purchasing practices, cost containment measures, quality-based purchasing, and expanding the role of public hospitals. Expanding population and benefit coverage in a consolidated manner could help progress toward universal health coverage in India. However, significant resources would be required to fully fund the proposed expansions.
-operative
Study Banks
The document discusses empowering cooperative banks in India through effective implementation of information technology. It provides an overview of the cooperative banking structure and the current state of IT implementation. Specifically, it outlines the core banking solution (CBS) requirements for cooperative banks, including the CBS modules, wrap-around applications, delivery channels, data center setup, network connectivity, security, training, and customization needed for implementation. The goal is to envision how CBS can be implemented and customized at cooperative banks given their current level of IT maturity.
This document summarizes a presentation on relooking at Asian Paints' CRM implementation to achieve a single view of the customer. It includes an agenda, project briefing, methodology overview, and discussion of current CRM touchpoints and concerns. The project aims to assess the current process, gather business requirements, conduct benchmarking, and provide recommendations to achieve a single customer view across changing business models. Key issues with the current system include a lack of centralized customer data, data not flowing between connected systems, siloed applications and processes, and limited CRM adoption.
Founded in 1809, Colgate Palmolive operates in over 200 countries with around 39,200 employees worldwide. It has major manufacturing facilities across the US and overseas, producing products for oral care, personal care, home care, and pet food. Colgate Palmolive uses a global supply chain network involving ocean and truck shipments to distribute products from manufacturing facilities to warehouses and stores. It partners with a single global logistics company to transport goods between continents via trucking.
Supply chain for a petroleum industry refinery downstream dissertation acHeisenberg26
This document discusses supply chain issues and practices in the petroleum industry, specifically refinery downstream. It examines challenges in pipeline logistics, refinery operations, tanker storage, and the role of information technology. The document reviews literature on supply chain management in the oil industry and outlines the research methodology, which includes identifying key issues, industry practices, and a case study analysis of an oil company's supply chain. The scope of the research is to investigate supply chain management strategies in the petroleum sector to improve coordination across the supply chain.
Single payer health care could provide universal coverage at lower costs than the current US system. Evidence from other countries shows that single payer systems lead to higher access to care, greater utilization of services, better health outcomes, and lower overall costs compared to the US multi-payer system. Administrative costs are much lower under a single payer system due to simplified billing and insurance processes. Taiwan's transition to a national single payer system improved health outcomes, especially for vulnerable groups, while keeping costs low.
Health insurance covers medical expenses when a person incurs them. It works in two ways - the insured pays costs upfront and is reimbursed, or the insurer pays providers directly. The insured is the policy owner, and providers include doctors, hospitals, and pharmacies. Health insurance grew in India due to economic liberalization and awareness. It protects against high, unexpected costs and makes quality treatment affordable. Having health insurance keeps savings intact, encourages preventive care, and assures coverage for the family. It is essential as health costs rise and lifespans increase. The Indian health insurance market is growing rapidly but potential remains in semi-urban areas due to low coverage currently. Issues for insurers include a high claim ratio and
Presentation made by Dr. Carolyn A. (Cindy) Watts on the 5th of November, 2012 during the live webinar hosted by VCU Department of Gerontology (discussion moderated by Dr E. Ayn Welleford) - review recording of webinar at http://www.alzpossible.org/wordpress-3.1.4/wordpress/alliedhealth/
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
Report on Health insurance and consumer, it is an overview of what health insurance is all about, what are its scenario in India. It also explains about how the regulatory authority perform its function and hoe do they deal with the consumer, faulty transaction etc. We have done a survey of
The document discusses ways to reform private health insurance (PHI) in Australia to better balance affordability and value for consumers. It provides background on the PHI industry and findings from consumer surveys. Key points include: consumers value predictability and treatment for urgent conditions but affordability is a major issue; online sources and health funds are preferred for information but have limitations; and changes are needed to simplify complex products and address rising costs while maintaining coverage levels important to consumers like protection from high costs.
Indian Cashless Health Insurance An OverviewUjjawal Jain
1) The document discusses improving the cashless health insurance system in India by learning from processes in Western markets.
2) It identifies key issues like high claim ratios, lack of standardization, and limited consumer awareness in the Indian system.
3) Recommendations include grading hospitals and insurance products, establishing standard operating procedures, conducting surprise audits, and improving distribution channels. The goal is to enhance quality, coverage, and cost-efficiency of health insurance in India.
Health insurance provides coverage for medical expenses and loss of earnings due to illness or injury. It depends on the conditions, benefits, and treatment options covered by the policy. Premiums are paid in advance for future health coverage. There are different types of health insurance plans such as group, individual, and family floater plans. While perceptions of health insurance in India are mixed, it has become necessary due to rising medical costs, the need to share health risks, and securing one's family's health. Government initiatives aim to increase health insurance penetration and affordability, but challenges remain around healthcare delivery and costs, consumer awareness, and claim ratios.
Healthcare industry is growing at a tremendous pace owing to its strengthening coverage, services and increasing expenditure by public as well private players but is this sufficient.......?
HealthVine is a proposed mobile healthcare information management service that allows users to store and manage all their health information such as medical records, prescriptions, and bills in one place. This provides easy access to medical history during emergencies. HealthVine aims to fill the gap in credible healthcare information resources in India by connecting patients, doctors, and pharmacists. It plans to launch initially in India through partnerships with insurance companies, pharmacists, corporations, and educational groups to provide users convenient access to their timely and updated health information. HealthVine's vision is to become a world-class provider of seamless and timely healthcare information management.
This document discusses healthcare and health financing in India. It notes that healthcare requires health infrastructure, services, and financing. Health insurance transfers risk from individuals and families to insurers and governments. There are over 1 billion people in India who need access to healthcare coverage. Models of health coverage include taxes, social or community insurance, private insurance, and medical savings schemes. Universal health financing in India will likely involve a mix of general revenues, social insurance, private insurance, and self insurance pools. Expanding health coverage faces constraints like most people working in the informal sector and being under or un-insured. The ideal system would be consumer centered and involve all stakeholders working together.
Apollo hospitals presentation (etop & sap)Shruti Patil
The document provides an analysis of the Indian healthcare industry and Apollo Hospitals of India. It discusses Porter's 5 forces model for the industry which faces high threat of new entrants and competition but limited threat of substitutes or bargaining power of buyers. It then summarizes Apollo Hospital's history, management philosophy, critical success factors, environmental analysis using ETOP model, strategic advantages using SAP model, and finally a SWOT analysis.
This document discusses evaluating health care reform through federal and state surveys. It provides an overview of key metrics for tracking the impacts of the Affordable Care Act (ACA) in three areas: health insurance coverage, affordability and comprehensiveness of coverage, and access to care. Recommended measures are identified for each area that can be tracked through various data sources like population surveys and health claims. The panel's focus is on adjustments being made to national and state-level surveys to provide timely, relevant data for monitoring changes under the ACA.
As part of the global agenda of insuring for sustainable development, the Facility and the PSI Initiative organize a webinar series with the theme, “Making inclusive insurance work”. The sixth webinar had the topic "Health insurance for the emerging consumer" and was held on 5 July 2017.
Speakers during this webinar were: Lorenzo Chan (Pioneer Group), Sanjay H. Pande (Finsall Networks) and Walter Bacareza (PhilHealth). Moderator: Lisa Morgan (ILO's Impact Insurance Facility).
Integrating microfinance and health programs can provide benefits to both clients and microfinance institutions. Health education combined with microfinance access has led to positive health outcomes in areas like reproductive health, child health, and disease prevention. Evidence shows interventions that combine health education, trained health workers, and linkages to care can improve health knowledge, behaviors, and access to services. Moving forward, addressing barriers like program costs and identifying best practice health programs can help scale up integrated microfinance and health initiatives.
Single payer health care could provide universal coverage at lower costs than the current US system. Evidence from other countries shows that single payer systems lead to higher access to care, greater utilization of services, better health outcomes, and lower overall costs compared to the US multi-payer system. Administrative costs are much lower under a single payer system due to simplified billing and insurance processes. Taiwan's transition to a national single payer system improved health outcomes, especially for vulnerable groups, while keeping costs low.
Health insurance covers medical expenses when a person incurs them. It works in two ways - the insured pays costs upfront and is reimbursed, or the insurer pays providers directly. The insured is the policy owner, and providers include doctors, hospitals, and pharmacies. Health insurance grew in India due to economic liberalization and awareness. It protects against high, unexpected costs and makes quality treatment affordable. Having health insurance keeps savings intact, encourages preventive care, and assures coverage for the family. It is essential as health costs rise and lifespans increase. The Indian health insurance market is growing rapidly but potential remains in semi-urban areas due to low coverage currently. Issues for insurers include a high claim ratio and
Presentation made by Dr. Carolyn A. (Cindy) Watts on the 5th of November, 2012 during the live webinar hosted by VCU Department of Gerontology (discussion moderated by Dr E. Ayn Welleford) - review recording of webinar at http://www.alzpossible.org/wordpress-3.1.4/wordpress/alliedhealth/
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
Report on Health insurance and consumer, it is an overview of what health insurance is all about, what are its scenario in India. It also explains about how the regulatory authority perform its function and hoe do they deal with the consumer, faulty transaction etc. We have done a survey of
The document discusses ways to reform private health insurance (PHI) in Australia to better balance affordability and value for consumers. It provides background on the PHI industry and findings from consumer surveys. Key points include: consumers value predictability and treatment for urgent conditions but affordability is a major issue; online sources and health funds are preferred for information but have limitations; and changes are needed to simplify complex products and address rising costs while maintaining coverage levels important to consumers like protection from high costs.
Indian Cashless Health Insurance An OverviewUjjawal Jain
1) The document discusses improving the cashless health insurance system in India by learning from processes in Western markets.
2) It identifies key issues like high claim ratios, lack of standardization, and limited consumer awareness in the Indian system.
3) Recommendations include grading hospitals and insurance products, establishing standard operating procedures, conducting surprise audits, and improving distribution channels. The goal is to enhance quality, coverage, and cost-efficiency of health insurance in India.
Health insurance provides coverage for medical expenses and loss of earnings due to illness or injury. It depends on the conditions, benefits, and treatment options covered by the policy. Premiums are paid in advance for future health coverage. There are different types of health insurance plans such as group, individual, and family floater plans. While perceptions of health insurance in India are mixed, it has become necessary due to rising medical costs, the need to share health risks, and securing one's family's health. Government initiatives aim to increase health insurance penetration and affordability, but challenges remain around healthcare delivery and costs, consumer awareness, and claim ratios.
Healthcare industry is growing at a tremendous pace owing to its strengthening coverage, services and increasing expenditure by public as well private players but is this sufficient.......?
HealthVine is a proposed mobile healthcare information management service that allows users to store and manage all their health information such as medical records, prescriptions, and bills in one place. This provides easy access to medical history during emergencies. HealthVine aims to fill the gap in credible healthcare information resources in India by connecting patients, doctors, and pharmacists. It plans to launch initially in India through partnerships with insurance companies, pharmacists, corporations, and educational groups to provide users convenient access to their timely and updated health information. HealthVine's vision is to become a world-class provider of seamless and timely healthcare information management.
This document discusses healthcare and health financing in India. It notes that healthcare requires health infrastructure, services, and financing. Health insurance transfers risk from individuals and families to insurers and governments. There are over 1 billion people in India who need access to healthcare coverage. Models of health coverage include taxes, social or community insurance, private insurance, and medical savings schemes. Universal health financing in India will likely involve a mix of general revenues, social insurance, private insurance, and self insurance pools. Expanding health coverage faces constraints like most people working in the informal sector and being under or un-insured. The ideal system would be consumer centered and involve all stakeholders working together.
Apollo hospitals presentation (etop & sap)Shruti Patil
The document provides an analysis of the Indian healthcare industry and Apollo Hospitals of India. It discusses Porter's 5 forces model for the industry which faces high threat of new entrants and competition but limited threat of substitutes or bargaining power of buyers. It then summarizes Apollo Hospital's history, management philosophy, critical success factors, environmental analysis using ETOP model, strategic advantages using SAP model, and finally a SWOT analysis.
This document discusses evaluating health care reform through federal and state surveys. It provides an overview of key metrics for tracking the impacts of the Affordable Care Act (ACA) in three areas: health insurance coverage, affordability and comprehensiveness of coverage, and access to care. Recommended measures are identified for each area that can be tracked through various data sources like population surveys and health claims. The panel's focus is on adjustments being made to national and state-level surveys to provide timely, relevant data for monitoring changes under the ACA.
As part of the global agenda of insuring for sustainable development, the Facility and the PSI Initiative organize a webinar series with the theme, “Making inclusive insurance work”. The sixth webinar had the topic "Health insurance for the emerging consumer" and was held on 5 July 2017.
Speakers during this webinar were: Lorenzo Chan (Pioneer Group), Sanjay H. Pande (Finsall Networks) and Walter Bacareza (PhilHealth). Moderator: Lisa Morgan (ILO's Impact Insurance Facility).
Integrating microfinance and health programs can provide benefits to both clients and microfinance institutions. Health education combined with microfinance access has led to positive health outcomes in areas like reproductive health, child health, and disease prevention. Evidence shows interventions that combine health education, trained health workers, and linkages to care can improve health knowledge, behaviors, and access to services. Moving forward, addressing barriers like program costs and identifying best practice health programs can help scale up integrated microfinance and health initiatives.
Philippine Edukasyong Pantahanan at Pangkabuhayan (EPP) CurriculumMJDuyan
(𝐓𝐋𝐄 𝟏𝟎𝟎) (𝐋𝐞𝐬𝐬𝐨𝐧 𝟏)-𝐏𝐫𝐞𝐥𝐢𝐦𝐬
𝐃𝐢𝐬𝐜𝐮𝐬𝐬 𝐭𝐡𝐞 𝐄𝐏𝐏 𝐂𝐮𝐫𝐫𝐢𝐜𝐮𝐥𝐮𝐦 𝐢𝐧 𝐭𝐡𝐞 𝐏𝐡𝐢𝐥𝐢𝐩𝐩𝐢𝐧𝐞𝐬:
- Understand the goals and objectives of the Edukasyong Pantahanan at Pangkabuhayan (EPP) curriculum, recognizing its importance in fostering practical life skills and values among students. Students will also be able to identify the key components and subjects covered, such as agriculture, home economics, industrial arts, and information and communication technology.
𝐄𝐱𝐩𝐥𝐚𝐢𝐧 𝐭𝐡𝐞 𝐍𝐚𝐭𝐮𝐫𝐞 𝐚𝐧𝐝 𝐒𝐜𝐨𝐩𝐞 𝐨𝐟 𝐚𝐧 𝐄𝐧𝐭𝐫𝐞𝐩𝐫𝐞𝐧𝐞𝐮𝐫:
-Define entrepreneurship, distinguishing it from general business activities by emphasizing its focus on innovation, risk-taking, and value creation. Students will describe the characteristics and traits of successful entrepreneurs, including their roles and responsibilities, and discuss the broader economic and social impacts of entrepreneurial activities on both local and global scales.
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
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Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
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Beyond Degrees - Empowering the Workforce in the Context of Skills-First.pptxEduSkills OECD
Iván Bornacelly, Policy Analyst at the OECD Centre for Skills, OECD, presents at the webinar 'Tackling job market gaps with a skills-first approach' on 12 June 2024
Gender and Mental Health - Counselling and Family Therapy Applications and In...PsychoTech Services
A proprietary approach developed by bringing together the best of learning theories from Psychology, design principles from the world of visualization, and pedagogical methods from over a decade of training experience, that enables you to: Learn better, faster!
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
Complications of wound healing like infection, hyperpigmentation of scar, contractures, and keloid formation.
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
हिंदी वर्णमाला पीपीटी, hindi alphabet PPT presentation, hindi varnamala PPT, Hindi Varnamala pdf, हिंदी स्वर, हिंदी व्यंजन, sikhiye hindi varnmala, dr. mulla adam ali, hindi language and literature, hindi alphabet with drawing, hindi alphabet pdf, hindi varnamala for childrens, hindi language, hindi varnamala practice for kids, https://www.drmullaadamali.com
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
1. B – plan
Two rupee per day Health insurance
Presented By
Arul Vel Arasan C
Indian Institute of Foreign Trade, Delhi
Email: arulvelarasan@gmail.com
Phone No: 7838843825
2. BUSINESS OVERVIEW
BUSINESS PURPOSE
To provide health insurance to rural and semi-urban people and improve their standard of living by
offering it at Rs.2 per day per person, but at the same time covering all the expenses they would incur
without any hidden clauses
BUSINESS PHILOSOPHY
Living healthy is a human right and it should be enjoyed by all human beings irrespective of their
financial status and behavioral characteristics
ORGANISATION
The organization is a health insurance provider for people living in the rural and semi urban regions of
our country
CONCEPT DEVELOPMENT
Economic condition Easy curable treatments The Model
• It is not the lack of health care supply • It is for instance common for aged • The law of large numbers being
that leads to unfavourable health men to suffer from kidney failure for effectively used to provide a high
status of the poor, but rather their want of a simple prostrate degree of health security to the poor
inability to pay for quality care operation, or from premature population in India
• Insurance promises to be a viable blindness that is easily rectifiable by • So providing health insurance
solution a cataract extraction procedure depends less on resources and more
• Similarly appendicitis, diseased on mobilizing capacity and
uterus etc. could be cured organization
3. PRODUCT AND SERVICE
FEATURES PRODUCT DETAILS WHAT IS NOT COVERED?
Type Self-funded Preexisting War, invasion Artificial limbs
Group or Individual Household Intentional injury Alcohol abuse HIV related
Term 5 years Fertility related Transplants Weight reducing
Mental illness Birth defects Vaccination
Age 6 to 59 years
Plastic surgery Hazardous sports Joint replacing
Premium Collection mode Weekly/Monthly by a person
Burn cases Vitamins, tonic Malignancies
Pricing – premium Rs. 2/day/person
Cosmetic surgery Skin grafting Angioplasty
Insured sum Rs. 1 lakh
Normal delivery Implants
SERVICES OFFERED TREATMENTS COVERED
Free transportation No hidden clauses
1600 surgeries
Voluntary check ups
Pregnancy – caesarean
No reimbursement Standardized
All Medicines covered procedure, Directly treatments and
Eye – Cataract paid by the insurer claim process
No tardy reimbursement
Hearing aids – operation
Hospital charges
Dental – operation
Diagnostic service USP
Hassle free claim process OPD
4. COMPETITIVE ANALYSIS
Competitor ICICI Lombard Bajaj Alliance Apollo Munich
Products Family Floater Individual/ family/ star Easy health Individual and
package Easy health Family
Market share 9.52 % of Health Insurance 8.63% of the 5% of the market share
holders market share
Infrastructure 4000+ Network Hospitals 2300 Empanelled hospitals 4000 Hospitals & 1800
Pharmacies
Benefits Tax Benefits & OPD In-House Claim 100% Lifelong renewal.
Coverage administration. Over 80% of the existing
Hassle free. Star Package. customers renew .
Life + Health Insurance
Drawbacks Higher rejection rate of the Restrictions on value of Amateur customer
claims sum insured support
Sales Method Unsolicited Calls, News Agents and Online – Paperless
and Advertisement Salesmen
Reputation Healthy backup of General Second largest company in Own reputed Apollo chain
Insurance Health Insurance sector of Hospitals
Source: IRDA
6. INDUSTRY – HEALTH INSURANCE
CURRENT INDIAN SCENARIO MARKET OPPORTUNITY
India spends 4.9% of GDP on health with public Less than 10% of people have access to health
expenditure of 0.9% and private expenditure of insurance, a majority belong to organized sector
4.0%
Health insurance market grew at a rate of 40% in the
In private expenditure, out-of-pocket expenditure is three years following 2006 and presents the fastest
3.6% and employees /community financing is 0.4% growing market in the general insurance
The central budgetary allocation has been stagnant An exploration of 35% over the next years is seen as
at 1.3% while in states it has declined from 7.0% to realistic
5.5%
The per capita total expenditure on health is US$ In India, its large informal sector accounting for 90%
23, of which the Government expenditure is US$ 4 of population contributes 40% of the nation’s GDP
The government health centres address primary
A study of claims found that 22% of total claims healthcare needs, but lack the facilities, cohesion,
were for communicable diseases solidarity to provide satisfactory surgical treatment
Commercial insurance shows little interest in
providing health insurance for rural informal sector
since it has low profitability and high risk
Source: WHR, Bhat, Gumber
7. INDUSTRY – HEALTH INSURANCE
REGULATIONS PEOPLE ISSUES
Regulatory body in India – IRDA (Insurance More than 40 per cent of hospitalised Indians have
Regulatory and Development Authority) to borrow or sell assets to meet hospitalisation
costs
People pay very high interest rates on the money
Minimal capital requirement of Rs. 100 crore they borrow, it is estimated that around 25 per cent
of hospitalised Indians become poor in a single year
Certificate requirement for agents - Rs. 250 for On average, individuals in the poorest quintile of
renewal or issue of license, 12th grade standard India are 2.6 times more likely than individuals in
passed, 120 hours practical training the richest quintile to forgo medical treatment
Lack of regulations and control on provider Issue of accessibility – majority of poor are in
behaviour remote rural areas where no facilities are available
Currently there are no mechanism or infrastructure The claims ratio is growing at a fast rate allegedly
for collecting mandatory premium among the large because of collusion between the
informal sector patients, insurance agents and hospitals
No standard procedure for treatments and claim Patients experience problems in reimbursements by
process long delay and partial reimbursements
Source: WHR, Bhat, National sample survey
8. TARGET
MAJOR TARGET
-> People in rural and semi-urban areas with low income but not very poor – family income
above Rs. 3000 per month
-> People majorly associated with Industries and Co-operative societies since 67% of the
rural households belong to a co-operative society
FOCUSSED TARGET – SALEM IN TAMILNADU
MAP – SALEM KEY STATISTICS – SALEM
Population 34.8 lakhs
Total workers 14.5 lakhs
Health centers 70
Factories 1242
Co-operatives 232
Health insured <5%
Preventable >20%
No. of Villages 144
9. MARKET RESEARCH
On People RESEARCH OBSERVATIONS
• Sample size: 40 • People with no idea about health insurance – 55%
• Willingness to pay Rs. 2 / day – 35%
• Methodology: Depth interview • They all prefer private facilities
• The costs of even minor health problems is unaffordable
• Place: Salem • Travelling long distance costs which is a very big problem
• It is expected that better information will make all clients
• Participants: People join voluntarily
On Hospitals RESEARCH OBSERVATIONS
• Sample size: 12 • Research conducted on the hospital revealed something
different: a number of hospitals throughout Salem
• Methodology: Depth interview experienced poor utilization rates, as low as 40%
• So it is not improper health infrastructure, but insufficient
• Place: Salem financial means that hindered the poor people
• Network hospitals that meet the standards are often
• Participants: Doctors and located in the district
workers in hospital • Hospitals in the taluks does not have the quality expected
10. ORGANIZATION AND MANAGEMENT
BUSINESS SETUP IN SALEM Same setup in all other 20 regions
OFFICE
S
VEHICLES
SETTING
• 10 rental offices with 1 as • 10 vehicles of our own to • 2 Computer and 2 phones in
head office take patients during each office
• Electricity and maintenance emergency • Furniture, Printing,
Stationery
KEY MANAGEMENT
Chairman & CEO Chief Marketing Chief Operation Chief Technology
Director
officer officer officer
• Responsible for all • Responsible to get • Design overall • Design business • To solve all IT
managing activities business tie ups marketing strategy operation model related issues
WORKFORCE IN SALEM Same Workforce in all other 20 regions
Employees Workers Doctors Manager
Number 30 20 10 10
Qualification Any degree Not required Medicine degree M.B.A.
Skill sets Communication skills Laborious work Medical knowledge Managerial skills
Roles Front end to enroll To carry all activities Adopting standards Business activities
11. BUSINESS DELIVERY MODEL
District Head Office
• It is responsible for all activities of the towns and covered villages
• All the strategy and decisions to be followed in the sub offices are declared here
• Recruitment for all the Departments is also done here
Team of Doctors
• Define the standards for treatments and claims under the advise of one senior most doctor
• All the strategy and decisions to be followed in the sub offices are declared here
• They also work in tandem with the doctors in networking hospitals
• They decide the methodology of treatment, medicines and prepare a Standard Rate Sheet which is in average
30% less than charged by other hospital
• They also ensure that no patient is kept in ward for more than the required number of days
Activities
• Training – 120 hours of training to the agents and sales people, and review every 3 months
• A senior person from Marketing department will approach the SSI, MSI and cooperatives and initiate the tie up
• Payment collection – Weekly / Monthly 1 person for every 10 cooperatives and the registry is done in PDAs.
People don’t feel the burden of paying.
Third Party Administrators
• Process the Claims
• Database Management, Biometric detail collection, Co-ordinates all network hospitals
12. OPERATIONS
Enrollment of New Hospitals
Hospital submits Application/ We approach
BENEFIT FOR THE HOSPITAL
them
The occupancy rate in the
Inspection by our set of Doctors hospitals will increase and also
the Brand image
Doctors report in a prescribed format
Our Board of Directors makes final decision
Hospital signs an agreement
Policies, Terms Information to our set Records to be
& Conditions of Doctors Maintained
KEY POLICIES A standard procedure adopted by our team of Doctors for treatments has to be followed
The rate quoted is 30% less than that of the average rate for all the standard operations
13. THE CLAIM PROCESS
Illness of Insured Patient
USP
Call to 24 X 7 toll free number
No money is collected from the patient
once the treatment is ratified to be
Client chooses network under coverage and no tardy
Hospital with biometric card reimbursement procedure
Patient taken to hospital by
free transportation
Admission for Surgery
Yes
Hospitalization and No Doctor examines the
Surgery not covered patient and checks
Free Operation
whether the Claim
Patient has to Spend comes under
his own money coverage Beneficiary leaves Hospital
Patient leaves TPA
Hospital Hospital Sends claim
Documents to TPA
Bill paid by the
company
14. RATE SHEET – KEY OPERATIONS
The rates are standardized to 30% lesser for all the operations done in the Hospitals
15. MARKETING STRATEGY
AWARENESS PROGRAMS
Dramas Local TV Ads Local Newspaper Wrappers of local
products
PROMOTION CHANNELS
Co-operatives and Banks and Microfinance Post Office Referrals
Communities institutions
SALES TEAM
• One sales person will handle 10 cooperatives
• At least 5% of the total workers in cooperatives or Industry is to be tapped
• So a total of 116 cooperatives has to be tapped in the initial phase.
16. RISK MITIGATION STRATEGIES
• Filing claims for medications not received
• Using someone else’s coverage or card • Unique biometric card is given to everyone insured
• Strict verification is done to identify authentication of
claims
• Opportunistic frauds by inflating claims
• Inflating through insider contacts • The standards are set by our own Doctors and not by
the networking hospitals
• The claim amount is also directly paid by the insurer
• The model works only if the insured claims for
Operations and does not make too many claims • Cannot claim for the next 6 months after a claim
for OPDs and frequent claims are avoided
• Also there will be a reimbursement if no claims are
made at the end of 5 years
• Poor sample selection of unhealthy people • Preexisting diseases, more than 59 years not
• Communicable diseases covered, and also whole family is insured
• Awareness of cleanliness, sanitation and voluntary
check up once in 6 months
17. REVENUE STREAMS
Key Assumptions & Projections:
2013 2014 2015 2016 2017
Number of regions covered 1 - Salem 5 10 15 20
Number of customers 70000 350000 700000 1050000 1400000
• From past data 1% claim operations – Average cost is Rs. 22000/operation
Claims
• Assuming 2% claim for Outpatient care – Average cost is Rs. 1000/OPD
• The IT development and maintenance is outsourced to Indus software Ltd.
IT outsourced
• Development and support for first year, from second year only support service
Commission paid • 5% of the premium paid to the agents, Referral, Banks, Post Office etc.
• It involves – Training cost, Salary, Voluntary check ups, conveyance, Rent &
Operating expenses
Maintenance, Stationery, Communication, Legal, Marketing & Ads, Interest
• The back side of the biometric card given to them is used to generate
Income from Ads
advertisement
Depreciation, Interest • The depreciation is 10% of the fixed assets
expense • EMI of 16.27 crore is paid annually for the loan amount of 100 crore
19. FINANCIALS
Balance Sheet In Rupees (lakhs)
Particulars 2013 2014 2015 2016 2017
Share capital 2000.0 2000.0 2000.0 2000.0 2000.0
Reserve and surplus 2200.0 2200.0 2464.7 3331.4 4664.0
Total Debt 10000.0 8373.0 6746.0 5119.0 3492.0
TOTAL LIABILITIES 14200.0 12573.0 11210.7 10450.4 10156.0
Investments 153.3 766.5 1533.0 2299.5 3066.0
Loans 102.2 511.0 1022.0 1533.0 2044.0
Fixed assets 94.0 470.0 940.0 1410.0 1880.0
Cash and balances 13850.5 10825.5 7715.7 5207.9 3166.0
TOTAL ASSETS 14200.0 12573.0 11210.7 10450.4 10156.0
Funding • Loan borrowed at 10% interest rate
Investments • Invest 30% of the premium for 8% return in 1 year government bonds
Loans • Lend 20% of the premium for 12% interest
It is expected to break even in a period of 10 years by settling the entire loan amount