The Big Picture – Health Insurance: Issues & Way Forward



Guests: Alok Saxena, Joint Secretary, Ministry of Health and Family Welfare ; K A Badarinath, Policy Editor, Financial Chronicle ; Prof. Santosh Kumar Mehrotra, Centre for Informal Sector & Labour Studies, JNU ; Dhruv Sarin, Business Head, Health Insurance, Policybazaar ; Rajendra Kumar, Regional Manager, Health Insurance, LIC of India, Northern Zone

Anchor: Frank Rausan Pereira

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22 thoughts on “The Big Picture – Health Insurance: Issues & Way Forward

  • February 17, 2018 at 7:30 pm
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    Summary

    1.India population 17% of world ,insurance covered basis -1.5%,2016 cover-3.4% ,world avg cover-6.4%,Gdp expenditure india 4%health-,US -17%,India rank 112 (world health performance)

    2.(50 years) health insurance trust model-central +labour ministry's insurance scheme,
    new RSBY-(18-20% popultn)unorganized(30000,5 members,4 crore beneficiaries),innovative & a milestone model.
    24 state run own insurances schemes.NHPS to be the successorNHPS/state schemes does not cover the substantial part of healtcare (drugs & diagnostics),thus large out of pocket expdtre from poor

    3.private sector has not been able to maximize participation – pocket base ,concentrated ,profit model – thus not covering rural areas,not able to reach or create region/class specific schemes
    can give technology ,distribution advantages,smart & flexible designing of models

    4.common man not very enthusiastic/aware,entitlement awareness +hospital acceesibilty & cooperaton.,TN model succesful -state hospital takes over substantial portion of insurance cover,govt gradually increased cover,services while keeping cost low.
    small no of players in healthcare biz ,thus high prices(ethical & commercial part)
    obamacare helped mostly private sector than citizens.

    5.more no of people joining reduces cost of avg premium,affordability,low state regulation & infra & HR capability,developed nations have large multi tier public funded models
    India shld have a mixed model with partnership btw public private & people.

    Implementation will be important with cooperating with all stakeholders!

    Reply
  • February 17, 2018 at 7:30 pm
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    Frank why are u again and again interfering in the critical analysis of NHPS,all view must be respected;
    Really this kind of attitude is not expected of you,pls don't spoil your reputation and competence!!

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  • February 17, 2018 at 7:30 pm
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    Well said all the Guest ,if we talking india health so we should be more focused on Public infrastructure means Built more modernized Govt hospital,clinic, Medical service becz its Grass root for every Health insurance so govt should be focus on this side if it increase so directly its enhance our scheme ,who gaves more benefit our peoples also Thnks

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  • February 17, 2018 at 7:30 pm
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    Well said all the Guest ,if we talking india health so we should be more focused on Public infrastructure means Built more modernized Govt hospital,clinic, Medical service becz its Grass root for every Health insurance so govt should be focus on this side if it increase so directly its enhance our scheme ,who gaves more benefit our peoples also Thnks

    Reply
  • February 17, 2018 at 7:30 pm
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    The RSTV Big Picture has taken a nosedive into shit. I guess Frank can't help it because of the transfer of 115 Indian Information Services Officers after this Government took over.

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  • February 17, 2018 at 7:30 pm
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    prof. was really made good points.Who needs state's support??The people who are poor,who cant afford?
    Thats why govt insurance schemes should be designed in such a way that it includes dianostics,medicines,etc expd taking into account.
    For the remaining population which basically includes middle and upper middle class,both PSU's and private players should compete fairly.They should offer products which young population find worth investing for their old age family members.This can happen only when regulations are strict and malpractices such as cutpractice,etc are penalised providing free,open,fair ground for every player in this sector

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  • February 17, 2018 at 7:30 pm
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    Generally I don't comment but seriously Frank you should allow the diverse points to be taken into considerations. Just praising government schemes will not do any good. Professor was making very good points regarding the most of the out of pocket expenditure that is generally spend by the people of india is as Out door patients, in medicines and in getting different test done like blood/urine test for different diseases, unless government schemes doesn't include all these factors we can not decrease out of pocket expenditure.

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  • February 17, 2018 at 7:30 pm
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    Very disappointed. The professor was making good points. Let him talk. RSTV shouldn't act as a spokesperson for the government. There are many other channels to do that.

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  • February 17, 2018 at 7:30 pm
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    I feel the big picture program should have been made for 1 hour , so that every one gets the opportunity to conclude their view. It's my humble request to RSTV.

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  • February 17, 2018 at 7:30 pm
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    To cater to the large chunk of population with comprehensive health coverage through insurance scheme needs integrated approach to extend the maximum coverage to Down trodden section of society.. Govt should focus these 5 pillars to achieve the goal of providing universal health coverage to its citizens..
    1) Public sector insurance companies should be entrusted to task of maximum penetration in rural areas, remote areas & those sections of society which r not covered yet
    2) Health care is a state subject so primacy of implementation of health care & insurance provision lies in their domain..So Adequate autonomy & liberty should be granted to states to devise their own model suitable to their scenarios
    3) Previously we have given emphasis on making outputs of some schemes statistics look a success or working…but this has not served the purpose ..Hence, focus should be on outcome of the scheme rather that output data means coverage of maximum no of poor people is more important than number exercises..
    4) out of pocket expenses (OOPE) is a real problem in achieving genuine, holistic & comprehensive health care provision, since insurance companies don't pay for OOPE, the purpose gets defeated, hence this points should be given prior most importance..
    5) Govt should utilise the data of Socio-economic caste census to ensure maximum penetration & extending coverage to poor among the poorer..
    Should also work really hard to revamp the present existing health infrastructure in our country & remove the structural loopholes..this is the ground work needed to make NHPS aka Ayushyaman Bharat scheme a success.. I hope we will achieve it…We will do it

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  • February 17, 2018 at 7:30 pm
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    I am watching Big picture from more than 3 months. I found this episode more interesting and engaging, dont know why?

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  • February 17, 2018 at 7:30 pm
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    Frank y u politicized!!Y u not allowing speakers to crticize the govmt. policy's..It's strange we not expectd from u!!

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  • February 17, 2018 at 7:30 pm
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    National health insurance is a nice move by our central govt and in early days hardly any one talked about health insurance ..so question comes how we make the health insurance lucrative for the people (1) health insurance covered only hospitalisation no opd coverage so professor had rightly said that once in a year people get hospitalised and in which some of the govt health insurance charges co payment &caping in which customer have to share some amount so I think which is not making any sense to take health insurance .maximum people wanted opd coverage if companies covers opd to some extend than I think it can attract the people because genrally in a year we spend around 10 k or more in opd so ..we have to think about
    2..except 2or 3 private health company no other company provide family floters
    3. Waiting period customer have to serve which is too long so which makes negative impact
    4.in rural areas people were Not liable on private health care even though I believe private sector have been doing a good job in health sector so It needs awareness to spread
    4.most importance people are not trust on online transition like policy bazaar have a only branch in gur gram so all they sell all their product through online so many people in our country not try to purchased by online even though they like their product
    I thing this are few thing we need to improve

    Reply

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