Tuesday, 13 February 2018

Ayushman Bharat health insurance will cover 50 crores Indians in just Rs 12,000 crores

Hospitals in India
Saifee Hospital, Mumbai

Ayushman Bharat aka ModiCare will be the world's largest government-sponsored health assurance scheme.

How much does it take to cover almost 50% of India's 'mammoth-size' population? Not much, actually. The useless debates on the Indian media and the over-estimation by India's weak opposition would have come to halt if both of them would have done some basic research. Forget research, most of these daily debaters didn't even invite insurance experts on the panel. Although the budget 2018 brings a ray of hope for farmers and India's poor, Indian media was disappointed with little changes in tax slabs. Some sections of Indian media being completely clueless starting calling Ayushman Bharat as 'a hoax to win votes'.

Swasth Bharat = Saksham Bharat

The general budget 2018-19 was aimed at making path-breaking interventions to address health holistically, in the primary, secondary and tertiary care systems, covering both prevention and health promotion. 

The initiatives are as follows:-  

Health and Wellness Centre:- The National Health Policy, 2017 has envisioned Health and Wellness Centres as the foundation of India’s health system. Under this 1.5 lakh centres will bring health care system closer to the homes of people. These centres will provide comprehensive health care, including for non-communicable diseases and maternal and child health services.  These centres will also provide free essential drugs and diagnostic services. The Budget has allocated Rs.1200 crore for this flagship programme. The contribution of the private sector through CSR and philanthropic institutions in adopting these centres is also envisaged.

National Health Protection Scheme:- The second flagship programme under Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage up to 5 lakh rupees per family per year for secondary and tertiary care hospitalization.  This will be the world’s largest government-funded health care programme. Adequate funds will be provided for smooth implementation of this programme.

The National Health Protection Scheme aka 'ModiCare' will be the world's largest government-sponsored health assurance scheme. The much-appreciated ObamaCare in the US had approximately 30 crore enrollees. The United Kingdom through its National Health Services offers free healthcare to its 10 crore ordinary citizens at public hospitals. The 2017 UK budget allocated 6.3 million pounds for spending in NHS. India's newly announced NHPS will cover all of India's 50 crore poor citizens at the public as well as the privately operated hospitals.

'ModiCare' will cover nearly 50% of India's population is just Rs 12,000 crore

Insurance experts firmly believe that India's 10 crore poor families can be covered in just Rs 12,000 crores. Since healthcare is a state subject, 50% of the cost of premium will be borne by state governments. Rs 6,000 crore annually, from the central government is a small amount of India's 25 lakh crore general budget. As India grows, the 'ModiCare' scheme is likely to be expanded to all of its 128 crores + citizens and later we be can even be linked with retirement benefits, like the one's offered in ObamaCare. Currently, only 5% of India's population is covered by a health insurance.

Health insurance for India's poor is a not an initiative, as India's weak united opposition said. The Rashtriya Swastha Bima Yojana covered most of the blue-collar workers with Rs 30,000 year. The newly announced NHPS has been a talk-of-the-nation as Rs 5 lakh per year is enough to treat life threating diseases like cancer or cardiac illnesses. Various states in India have announced health insurance scheme but only Rajasthan's mass health coverage scheme comes close to 'ModiCare'.

Rajasthan's Bhamasha Swasthya Bima Yojana, tendered in December 2017, will cover nearly 4 crore poor people of Rajasthan state. The project of Rajasthan's state-sponsored insurance was bagged by New India Assurance Ltd. This is one of the largest health insurance schemes in the country as it gives health cover for cashless treatment of 1,401 diseases - of Rs3,00,000 for 663 critical and Rs30,000 each for 738 general illnesses. The total insurance premium involved in Bhamasa Swasthya Bima Yojana is more than Rs1,200cr per annum with the State bearing Rs. 1,261 per family.

As the spread increases in insurance, the premium is expected to lower further. Rs 1,261 per family in Rajasthan could be reduced further to Rs 800 to Rs 1,000 per family in India. The tenders for NHPS are likely to be announced in Q1 2018 and the L1 bidder (that is the lowest bidder) for each state or tehsil will be selected. It is utmost important to maintain actuarial price for the successful implementation of this mammoth-sized project. This is India's golden chance to improve the standard of living of its poor citizens. With the demand for qualitative healthcare in small cities, the supply of multi-specialty quality hospitals are expected to reach the length and the breadth of this country. 

According to TheIndianCapitalist.com, the economies of scale and scope can do wonders for India. It is a humongous task, a case study for the world to achieve Sustainable Development Goals by the Year 2030. With the sincerity of purpose, honesty and giving-it-back attitude, India will be successful in this project. It's much appreciated that India's powerful man, the Prime Minister, is committed towards his duty towards Right to Qualitative Healthcare.

- Chaitanya Kulkarni

53 comments:

  1. In the past occupational health policy was frequently driven solely by compliance with legislation Ayurvedic treatment for Diabetes in Mumbai

    ReplyDelete
  2. I have read your article couple of times because your views are on my own for the most part. It is great content for every reader. phen375 reviews

    ReplyDelete
  3. Wow, cool post. I’d like to write like this too – taking time and real hard work to make a great article… but I put things off too much and never seem to get started. Thanks though. tryvexan

    ReplyDelete
  4. References - Paul, B., 2018. Oyster Extract Testosterone Review: Benefits, Dosage & Side Effects! [WWW Document]. Testosteroneofficial.com ie. Testosterone Official. URL https://testosteroneofficial.com/research/oyster-extract/ (accessed 10.23.18).

    ReplyDelete
  5. Your website is really cool and this is a great inspiring article. moringa olifeira supefood

    ReplyDelete
  6. Very good written article. It will be supportive to anyone who utilizes it, including me. Keep doing what you are doing – can’r wait to read more posts. coconut oil uses for hair

    ReplyDelete
  7. Good post but I was wondering if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit further. Appreciate it! The cheapest way to buy Viagra

    ReplyDelete
  8. The pre workout foods we consume is the fuel that gives us the energy we need to succeed in our workout. Like an engine requires fuel to travel vast distances at high speeds, the human body requires sustenance, nourishment, and energy to move forward and grow. However, just like a vehicle engine, various fuels will produce various results, which is well worth noting when it comes to working out, getting fit and getting your body to the optimal level of performance.

    By choosing the right pre-working food for the right activities that you’re engaging in, you can make sure that you’re giving your body everything it needs to achieve the best it can. Today, we’re going to explore the ins and outs of what makes which pre workout food right for....

    Check more from here http://www.blackburndistributions.com/blog/pre-workout-foods/

    ReplyDelete
  9. Nice post! This is a very nice blog that I will definitively come back to more times this year! Thanks for informative post. yoga training in rishikesh

    ReplyDelete
  10. The article looks magnificent, but it would be beneficial if you can share more about the suchlike subjects in the future. Keep posting. Health

    ReplyDelete
  11. Hey, this day is too much good for me, since this time I am reading this enormous informative article here at my home. Thanks a lot for massive hard work. site

    ReplyDelete
  12. This is a great inspiring article.I am pretty much pleased with your good work.You put really very helpful information. Keep it up. Keep blogging. Looking to reading your next post. Buy CBD Edibles Online

    ReplyDelete
  13. I wanted to thank you for this excellent read!! I definitely loved every little bit of it. I have you bookmarked your site to check out the new stuff you post. programme systeme delivrance

    ReplyDelete
  14. Thanks for the blog loaded with so many information. Stopping by your blog helped me to get what I was looking for. podiatry drill

    ReplyDelete
  15. Thanks for taking the time to discuss this, I feel strongly about it and love learning more on this topic. If possible, as you gain expertise, would you mind updating your blog with extra information? It is extremely helpful for me. See the benefits and results

    ReplyDelete
  16. I got what you mean , thanks for posting .Woh I am happy to find this website through google. thoatvidiadem.net/

    ReplyDelete
  17. there’s more to it than just spreading your seed. What about the volume; should we care how much we ejaculate male ejaculation pills

    ReplyDelete
  18. Yes i am totally agreed with this article and i just want say that this article is very nice and very informative article.I will make sure to be reading your blog more. You made a good point but I can't help but wonder, what about the other side? !!!!!!Thanks podiatry drill equipment

    ReplyDelete
  19. This site is the premier destination of all latest updates and electronic news regarding the latest gizmos, gadgets. Through our blogs, we provide all the DIY, How-to, and other technical related issues to come into light with their solutions.
    electronicpublisher

    ReplyDelete
  20. We have sell some products of different custom boxes.it is very useful and very low price please visits this site thanks and please share this post with your friends. https://www.dailygoal.gr/clenbutrol-clenbuterol/

    ReplyDelete
  21. Great job for publishing such a beneficial web site. Your web log isn’t only useful but it is additionally really creative too. best beginner banjo

    ReplyDelete
  22. I wanted to thank you for this excellent read!! I definitely loved every little bit of it. I have you bookmarked your site to check out the new stuff you post. Cellutone in woodlands

    ReplyDelete
  23. I am happy to find this post very useful for me, as it contains lot of information. I always prefer to read the quality content and this thing I found in you post. Thanks for sharing. cbd gummies

    ReplyDelete
  24. This is such a great resource that you are providing and you give it away for free. I love seeing blog that understand the value of providing a quality resource for free. Modafinil Buy

    ReplyDelete
  25. Pretty nice post. I just stumbled upon your weblog and wanted to say that I have really enjoyed browsing your blog posts. After all I’ll be subscribing to your feed and I hope you write again soon! Car Insurance Menifee Ca

    ReplyDelete
  26. Nice post! This is a very nice blog that I will definitively come back to more times this year! Thanks for informative post. Arcoxia rezeptfrei

    ReplyDelete
  27. I was surfing the Internet for information and came across your blog. I am impressed by the information you have on this blog. It shows how well you understand this subject. sos sciatique ebook gratuit

    ReplyDelete
  28. Hello I am so delighted I located your blog, I really located you by mistake, while I was watching on google for something else, Anyways I am here now and could just like to say thank for a tremendous post and a all round entertaining website. Please do keep up the great work. view more

    ReplyDelete
  29. I just found this blog and have high hopes for it to continue. Keep up the great work, its hard to find good ones. I have added to my favorites. Thank You. view more

    ReplyDelete
  30. I read that Post and got it fine and informative. view more

    ReplyDelete
  31. You there, this is really good post here. Thanks for taking the time to post such valuable information. Quality content is what always gets the visitors coming. https://titangel.international/it/italy/

    ReplyDelete
  32. Hello I am so delighted I located your blog, I really located you by mistake, while I was watching on google for something else, Anyways I am here now and could just like to say thank for a tremendous post and a all round entertaining website. Please do keep up the great work. berberine 500

    ReplyDelete
  33. Hello I am so delighted I located your blog, I really located you by mistake, while I was watching on google for something else, Anyways I am here now and could just like to say thank for a tremendous post and a all round entertaining website. Please do keep up the great work. comment diminuer son taux de sucre dans le sang

    ReplyDelete
  34. I was surfing the Internet for information and came across your blog. I am impressed by the information you have on this blog. It shows how well you understand this subject. vloveyoni

    ReplyDelete
  35. Yes i am totally agreed with this article and i just want say that this article is very nice and very informative article.I will make sure to be reading your blog more. You made a good point but I can't help but wonder, what about the other side? !!!!!!Thanks Health and Safety Services

    ReplyDelete
  36. Hello I am so delighted I located your blog, I really located you by mistake, while I was watching on google for something else, Anyways I am here now and could just like to say thank for a tremendous post and a all round entertaining website. Please do keep up the great work. ULV FOGGER

    ReplyDelete
  37. Positive site, where did u come up with the information on this posting? I'm pleased I discovered it though, ill be checking back soon to find out what additional posts you include. free shipping canada

    ReplyDelete
  38. Wow! Such an amazing and helpful post this is. I really really love it. It's so good and so awesome. I am just amazed. I hope that you continue to do your work like this in the future also clenbuterol

    ReplyDelete
  39. Pretty good post. I just stumbled upon your blog and wanted to say that I have really enjoyed reading your blog posts. Any way I'll be subscribing to your feed and I hope you post again soon. Big thanks for the useful info. Successful Smiles Wisconsin

    ReplyDelete
  40. Hello I am so delighted I located your blog, I really located you by mistake, while I was watching on google for something else, Anyways I am here now and could just like to say thank for a tremendous post and a all round entertaining website. Please do keep up the great work. transparent skincare

    ReplyDelete
  41. I recently came across your blog and have been reading along. I thought I would leave my first comment. I don't know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often. Teachable Vs. Clickfunnels: Why You Shouldn’t Use ClickFunnels

    ReplyDelete
  42. I wanted to thank you for this excellent read!! I definitely loved every little bit of it. I have you bookmarked your site to check out the new stuff you post. Buy 4-aco-dmt online

    ReplyDelete
  43. Hello I am so delighted I located your blog, I really located you by mistake, while I was watching on google for something else, Anyways I am here now and could just like to say thank for a tremendous post and a all round entertaining website. Please do keep up the great work. buy Actavis codeine syrup online

    ReplyDelete
  44. You made such an interesting piece to read, giving every subject enlightenment for us to gain knowledge. Thanks for sharing the such information with us to read this... CBD gummies

    ReplyDelete
  45. Thanks for the blog loaded with so many information. Stopping by your blog helped me to get what I was looking for. CBD Oil for Cats

    ReplyDelete
  46. Wow! Such an amazing and helpful post this is. I really really love it. It's so good and so awesome. I am just amazed. I hope that you continue to do your work like this in the future also Best Omega 3 Fatty Acids

    ReplyDelete
  47. Great job for publishing such a beneficial web site. Your web log isn’t only useful but it is additionally really creative too. https://alvenda.com/phenq-walmart/

    ReplyDelete
  48. This comment has been removed by the author.

    ReplyDelete
  49. We have sell some products of different custom boxes.it is very useful and very low price please visits this site thanks and please share this post with your friends. What Can CBD Oil Do to Reduce Joint Pain?

    ReplyDelete
  50. They become less effective as we become more established. Keeping up a solid cardiovascular framework is critical for your essentialness, prosperity, and the right working of your body.
    acupuncture commack NY

    ReplyDelete
  51. It was wondering if I could use this write-up on my other website, I will link it back to your website though.Great Thanks. Royal CBD Gummies

    ReplyDelete
  52. The information contain in this article has not been evaluated by the Food and Drug Administration and should not be used to diagnose, treat, cure or prevent any disease without the supervision of a qualified medical doctor. Best Makardhwaj Vati in India

    ReplyDelete
  53. This content is written very well. Your use of formatting when making your points makes your observations very clear and easy to understand. Thank you. Sweet tooth and sass

    ReplyDelete