The document discusses health insurance in India. It notes that India has a large population but low ranking on healthcare indexes and high out-of-pocket healthcare costs. There is a need to increase government health spending and expand health insurance coverage given its implications for economic development. It then discusses what health insurance is, the history of health insurance in India, common product types, trends in the industry, and low insurance penetration rates in India currently.
Will only #innovation be enough? A study regarding the global challenges being faced by the #health_insurance industry introduced in the Second Edition of the Healthcare Insurance Innovation Summit held in Vienna by Rafael Senén CEO at COVERONTRIP ® DIGITAL INSURANCE.
“A 10% of the world´s population will live with a #3Dprinted organ or prosthesis in 2019 and 35% of surgical interventions that require organ transplants or prosthetic implants will find an essential ally in this technique. However, the future challenges of the health insurance industry will not only be overcome with technological innovation.” Said Senén.
Will only #innovation be enough? A study regarding the global challenges being faced by the #health_insurance industry introduced in the Second Edition of the Healthcare Insurance Innovation Summit held in Vienna by Rafael Senén CEO at COVERONTRIP ® DIGITAL INSURANCE.
“A 10% of the world´s population will live with a #3Dprinted organ or prosthesis in 2019 and 35% of surgical interventions that require organ transplants or prosthetic implants will find an essential ally in this technique. However, the future challenges of the health insurance industry will not only be overcome with technological innovation.” Said Senén.
Community based Health Insurance Scheme: An option to Health Care Financing i...Dr. Nkiru Nwamaka Ezeama
A synopsis of how community-based health insurance can ease the burden of health care financing in Nigeria.
Presented during the 2016 Physicians week of the Nigerian Medical Association
Presentation delivered by Dr Awad Mataria, Regional Adviser, Health Systems Development at the 62nd Session of the WHO Regional Committee for the Eastern Mediterranean
Information and Communication Technology ICT in HealthcareMadhushree Acharya
* Information & Communication Technology in Healthcare
* Need of ICT in Healthcare
* Constraints of implementation of ICT
* Implementation of ICT in various countries & India
* Various ICT Initiatives taken in India -
National health portal, Online Registration System, Mera Aspataal, SUGAM, NOTTO, Indradhanush Vaccine tracker, India fights Dengue, NHP Swasth Bharat, No more Tension Mobile app, Pradhan Mantri Surakshit Matritva Abhiyan Mobile App, Mother and Child Tracking System MCTS, Kilkari, Nikshay, m-cessation, m-Diabetes, Hospital Information System HIS, Health Management Information System HMIS, ANMoL, e-Aushadhi, e-Rakt Kosh, IDSP, Electronic Health Records EHR, Telemedicine.
Created - Feb 2018
Author - Dr. Madhushree Acharya, Academic JR, Community & Family Medicine, AIIMS Bhubaneswar
Importance of Health Insurance: Incase you get sick or need any kind of medical attention. Can you afford to pay for a doctor’s visit without insurance? Depending on the type of doctor and practice it can cost from www.lifethenfinance.com 2 $95–$265 per visit. Insurance co-pays: $5–$50 per visit. Are you certain you won’t hurt yourself or catch some type of cold? Do you have allergies, wear contacts or need any other type of regular prescriptions? Can you afford those medications without insurance? On average prescription generic medications start around $50. Insurance co pays usually around $5–$20.
Overview of Community Based Health Insurance LessonsHFG Project
Presentation during the Institutionalizing Community Health Conference in Johannesburg, South Africa, on March 28th, 2017. This presentation gives an overview of Community-based Health Insurance (CBHI), and explores country experiences and lessons with CBHI in Rwanda, Ghana, and Senegal.
Community based Health Insurance Scheme: An option to Health Care Financing i...Dr. Nkiru Nwamaka Ezeama
A synopsis of how community-based health insurance can ease the burden of health care financing in Nigeria.
Presented during the 2016 Physicians week of the Nigerian Medical Association
Presentation delivered by Dr Awad Mataria, Regional Adviser, Health Systems Development at the 62nd Session of the WHO Regional Committee for the Eastern Mediterranean
Information and Communication Technology ICT in HealthcareMadhushree Acharya
* Information & Communication Technology in Healthcare
* Need of ICT in Healthcare
* Constraints of implementation of ICT
* Implementation of ICT in various countries & India
* Various ICT Initiatives taken in India -
National health portal, Online Registration System, Mera Aspataal, SUGAM, NOTTO, Indradhanush Vaccine tracker, India fights Dengue, NHP Swasth Bharat, No more Tension Mobile app, Pradhan Mantri Surakshit Matritva Abhiyan Mobile App, Mother and Child Tracking System MCTS, Kilkari, Nikshay, m-cessation, m-Diabetes, Hospital Information System HIS, Health Management Information System HMIS, ANMoL, e-Aushadhi, e-Rakt Kosh, IDSP, Electronic Health Records EHR, Telemedicine.
Created - Feb 2018
Author - Dr. Madhushree Acharya, Academic JR, Community & Family Medicine, AIIMS Bhubaneswar
Importance of Health Insurance: Incase you get sick or need any kind of medical attention. Can you afford to pay for a doctor’s visit without insurance? Depending on the type of doctor and practice it can cost from www.lifethenfinance.com 2 $95–$265 per visit. Insurance co-pays: $5–$50 per visit. Are you certain you won’t hurt yourself or catch some type of cold? Do you have allergies, wear contacts or need any other type of regular prescriptions? Can you afford those medications without insurance? On average prescription generic medications start around $50. Insurance co pays usually around $5–$20.
Overview of Community Based Health Insurance LessonsHFG Project
Presentation during the Institutionalizing Community Health Conference in Johannesburg, South Africa, on March 28th, 2017. This presentation gives an overview of Community-based Health Insurance (CBHI), and explores country experiences and lessons with CBHI in Rwanda, Ghana, and Senegal.
Health insurance policies are broadly divided into 2 kinds on the basis of claims, Cashless Health Insurance policy and Reimbursement Health Insurance Policy.
When choosing a health insurance plan, make sure that you compare health insurance polices across different insurers. If you compare health insurance online, then it may be easier to list out the pros and cons of each plan and find the one that works for you.
*Health Insurance in India and Genesis of the Ayushman Bharat PMJAY Pradhan Mantri Jan Arogya Yojana
*Critical review of the health insurance schemes
*SWOCh analysis of Ayushman Bharat PMJAY
Created - July 2019
Author- Dr. Madhushree Acharya, Academic Junior Resident, Community & Family Medicine, AIIMS Bhubaneswar
HEALTH INSURANCE PROVIDED BY GOVERNMENT VS PRIVATE SECTOR IN INDIAVedica Sethi
Healthcare is significant for each individual on the planet, on account of this each nation should focus on wellbeing, because of increment pace of sickness and ailments.
In India medical coverage part is an undiscovered market, still it has crying needs. There is colossal potential for this part. The medical coverage suppliers are not satisfying this interest. After 1999 the privatization of protection area, the protection segment has developed in past decade. By and by there are 25 medical coverage suppliers, in that four are with open area and twenty one private medical coverage suppliers. The piece of the overall industry of open segment is 60 rates while the rest with other private players.
This paper inspects the present status of medical coverage in India, advancement in health care coverage area and difficulties looked by it. It additionally investigates the job of both open and private medical coverage players to arrive at most extreme inclusion in health care coverage.
Australia vs India: Health care insuranceVedica Sethi
Health care insurance: A Comparative overview.
The retrospective review focuses on the timeline of Healthcare systems and development of Healthcare Insurance policies of India and Australia. The review also includes
the consensus and impact of Healthcare legislature in India and Australia and offers a
comparison to the development in the BRICS countries.
Presentation from INTEGRATED's Chuck Gooder, senior advisor, and Blake Sternard, the business analyst. The presentation focuses on the ways to identify the major changes of healthcare, with specific attention to the potential challenges posed to enrollees, physicians, hospitals, and healthcare organizations associated with the implementation of Obamacare.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
1. HEALTH INSURANCE
Economic growth is an indicator of a country’s well being and development
Empirical evidence suggests that a significant portion of economic growth is contributed by
human capital – the elements of which are level of education and health of the people
Date : 23-March-2018
“Health Insurance – The Road a Head”
Venue: Department of Management Studies
Pondicherry University Karaikal Campus Karaikal
2. Health Scenario in India
• India with a population of 1.3 billion possesses around 18% of the global
population and around 22% of the global disease burden.
• India ranks 154th on the healthcare index Global Burden of Disease Study
(GBD)
• Increase health expenditure by Government as a percentage of GDP from
the existing 1.15% to 2.5% by 2025.
• More than 78 % to 83 % of Healthcare Expenditure in India today is met
out of individuals’ pockets.
• Given the implication that a healthy and productive population has on
economic development, there is need to step up health care funding
mechanism
3. What is Health Insurance ?
Health insurance is a type of insurance coverage that covers the cost of an insured
individual's medical and surgical expenses. Depending on the type of health
insurance coverage, either the insured pays costs out-of-pocket and is then
reimbursed, or the insurer makes payments directly to the provider.
4. History of Health Insurance
• Medical Insurance was first offered in the United States in 1850 and insured
injuries arising from railroad and steamboat accidents.
• In India the formal health insurance started with the ESIS (Employees State
Insurance Scheme) under the ESIS Act 1948 and with the CGHS (Central
Government Health Scheme) 1954.
• In 1981, a limited cover was devised for individuals and families. This was
structured formally in 1986 when 4 subsidiaries of GIC launched the Mediclaim
policy (HDH) both for individuals and Groups
5. Types of Health Insurance Covers
There are mainly four types of Health Insurance covers:
• Individual Insurance : The simplest form of health insurance is the Individual
Insurance policy. It covers the hospitalization expenses for an individual for up to the
sum assured limit. The insurance premium is dependent on the sum assured value.
• Family Floater policy : Sum assured value floats among the family members. i.e. each
opted family member comes under the policy, and it covers expenses for the entire
family up to the sum assured limit. The premium for family floater plans is typically less
than that for Individual insurance cover for each family member
• Unit Linked Health Insurance Plans : Health insurance companies now have
introduced Unit Linked Health Insurance Plans (ULHIP). Such plans combine health
insurance with investment and pay back an amount at the end of the insurance term.
The returns of course are dependent on market performance. for people who can
handle market linked products like ULHIP
• Group Health Insurance/Group Mediclaim Insurance : A group health insurance plan
provides cover to all the members in a single policy. Usually Employers takes such
policies on employees. Upon awareness few institutions, cooperative societies are also
taking such policies
6. Trends - 2005 onwards
A) Common Products sourced by General Insurers:
• Individual Cover
• Family Package Cover
• Senior Citizens Cover
• Overseas Mediclaim
• Diseases specific Covers (Diabetes, Cancer, Cardio etc.,)
• Group Mediclaim Policies
B) Co Branded Health Insurance Products with Banks
7. C) Standalone Health Insurance Companies
D) Life Insurance Companies providing Health Cover
• as an Rider (usually covers few critical illness diseases)
• as an Diseases specific policy (Benefit Products)
• Combi Products (Term from Life and Health from Health/Non Life)
E) Government Schemes : (Governed by different ministries)
• Employment State Insurance Scheme (ESIS)
• Central Government Health Scheme (CGHS)
• Weavers & Artisans Cover
• Universal Health Insurance Cover
• Rajiv Aarogyashri – AP Govt.
• Yeshasvini Scheme – Farmers in Karnataka
• Rashtriya Swasthya Bima Yojana ( RSBY)
• Niramaya Scheme – Disability Health Insurance Etc.,
8. Under penetration of Health Insurance in India
16.60
%3.70%
1.90%
77.80
%
Insurance Coverage
Government Schemes
Group Insurance
• About 78% of the population of India
has no form of health insurance
• Only 2% consciously decided to buy
health insurance
• The protection gap is higher than 78%
because of underinsured
• Source: A 2016 Swiss Re report
9. The NSSO survey carried & report submitted in 2016 (Statistics upto 2014), found out
that, more than 83% of Indians are not covered under any health insurance plan, and
only 18 % (Government funded 12%) of the urban population and 14% (Government
funded 13%) of the rural population was covered under any form of health insurance
10. Why under penetration then?
• Lack of Awareness
• Health Insurance exists – the industry itself is in nascent stage
• Cheaper to pay premium than bearing the repercussion
• What is appropriate cover for me?
• Complexity of Products
• Terms and conditions
• Difficult to compare
• Lack of Trust
• Claim rejections
• Poor perception about insurance industry
• Affordability
• Premium ~5K/year for a meaningful family floater
• Expensive health care
• Fraud
11. Cost of Health Insurance depends on
• Age
• Sum assured
• Current Health Status/condition
• Previous Medical history.
• Own Lifestyle,
• Family history of illnesses and affordability.
• Value of benefits of Health Insurance as whole
12. Health Insurance Statistics – Snapshot
• Health insurance in India contributes 9.6% to General Insurance market.
• Health Insurance premiums collection accounted around 24% of Overall
premiums collected by General Insurers and Standalone Health Insurers upto
September 2017
• The rural population spent, on an average, Rs.5,636 for hospitalised treatment in
a public sector hospital and Rs.21,726 at a private sector hospital.
15. BROAD CLASSIFICATION OF COMPLAINTS:-
Repudiation/Rejection/Denial of total claim
Short settlement of claims/Partial repudiation of claim
16. Reasons for Total Claim rejection:-
Non-disclosure of Pre-Existing Diseases (PED)
Non-disclosure of PED in ported policies
Hospitalisation not warranted
Hospitalisation < 24 hours
Non-completion of waiting period
Exclusions of the policy
Hospital not satisfying the norms
Administration of injections/infusions (Cancer/Eye/Osteoporosis)
Absence of Active Line of Treatment
Admission for Diagnostic purpose only
17. Grievance Redressal Mechanism:-
Grievance Redressal Mechanism:-
Internal Grievance mechanism:
One appeal to be made
External Grievance Mechanism:
Ombudsman
CD Forum and
Civil Court
18. Health Insurance
Insurer providing Health
Insurance
Insured
Regulator
Health Insurance
Council
Group Mediclaim
Insurance
Government
Scheme
TPA
Health Care
Provider
Hospitals
Doctors
Diagnostics
Individual/Familie
s
20. DIFFERENCES IN THE HEALTH CARE, HEALTH INSURANCE
COMPARED WITH DIFFERENT COUNTRIES
• Budget
• Nature of Health care- Mixed compared with other countries – consumer
protection regulation, subsidies in the tax system, insurance exchanges
• Vast differences in spending as % of GDP
• Out of Pocket Expenditure
• Health Insurance – Mandatory in some countries
• Scope of coverage
• Premium charges- inflation
• Differentiation in states
21. India ‘s Healthcare and Health Insurance
• Rural Vs Urban divide (4%,18%)
• Need for effective payment mechanisms
• Demand for basic primary healthcare and infrastructure
• Growing pharmaceutical sector (NPPA)
• Underdeveloped medical devices sector
33. TPA Related FRAUDS
Kickbacks from Provider Network
Collusion with Network for Inflated / Wrong Bills
Rewards in the garb of early payments / release of payments to Providers /
Consumers
Directing the Consumer to a colluded Provider
TPA Employee colluding with Fraudsters
35. Dealing with Provider FRAUDS
Cost Control Techniques & Tools
Utilization Reviews & Medical Audits
Care Pathways
Preferred Networks & Network Contracts
DRG based Payments
Investigators Services
Creation of awareness amongst Providers
Legal Remedies
Blacklist of errant providers & publishing the same
36. Dealing with Insurer FRAUDS
Complaints to Regulators
Media exposure of errant insurers
Complaints to Consumer forums, Judiciary
37. Future frauds
• OPD
• Pharmacy
• Care pathway fudging
• Wrong medical info for preauth
• Incentivizing the patient for inflated billing
• LTC product
38. Why To Investigate?
To control the claim ratio (ICR)
To understand the behavior of hospitals in Region
To identify the adverse claims behavior
To identify the nexus if between any hospital and agent / client
or other intermediary
To confirm hospital eligibility as per the policy conditions
To control prolonged hospitalizations and over-billing / over
stay
To identify good hospital who are willing to work on
reasonable SOC under TPA network of hospitals
To synchronize and educate hospitals / patients to utilize the
policy in proper manner
39. Case 1 : Claim Amount:Rs.25144
Case Details: Manipulation in main hospital bill to increase the
claim amount
40. Case 2 :Claim amount:Rs.110480
Case details: Hospital bill amount was enhanced.Revised bill obtained
from the hospital
41. Case 3 : Claim amount:Rs.26850 Policy type:Individual
Case Details: As per written confirmation from the Pathologist the pathology reports
have not been signed by him and the signature and rubber stamp have been
manipulated
42. Global & Indian Scenario of Healthcare FRAUD
& ABUSE
1 unit out of 7 spent goes to Fraud & Abuse.
16 billion USD in Medicare in 2008 – estimate
About 36 billion losses to U.S Health Insurance per year
In India, estimated loss is 1000 crores & increasing
43. Latest Budget Highlights onHealth Insurance
• Under Section 80D & 80DDB, the insured person who takes out the policy can claim for
tax deductions.
Hike in deduction limit for health insurance premium and/ or medical expenditure from
Rs. 30,000 to Rs. 50,000 under section 80D.
Increase in deduction limit for medical expenditure for certain critical illness from Rs.
60,000 (in case of senior citizens) and from Rs. 80,000 (in case of very senior citizens) to
Rs. 1 lakh for all senior citizens, under section 80DDB.
• World’s largest Health Protection Scheme covering over 10 Crore poor and vulnerable
families launched with a family limit upto 5 Lakh rupees for secondary and tertiary
treatment. Ayushman Bharat - National Health Protection Mission (AB-NHPM)
• Premium Likely to have a ceiling of Rs 2,000 on the annual premium per family
• The Premium share between Centre and States will be 60%-40%.
• It will include all existent ailments as well
46. Conclusion
India has a great opportunity to spearhead a viable and competitive health
insurance sector and encourage the development of a sound high quality health
delivery system .
What is required is a good understanding of the actuarial and other risks in the
business , a long term vision for those entering it, simple product design ,
supportive regulation and sustained customer education.
48. Thank You
Presented by
Jaswanth Singh G
Insurance Domain Consultant and Adjunct Faculty for
Insurance Studies & Pensions
jasshu7@gmail.com +91 9449049107
+91 8310765785