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Monday, 30 June 2014

Indian government working on world's largest health insurance scheme

The new Indian government is planning to bring about a 'complete transformation' of the health sector and is working on the blueprint of the world's largest universal health insurance programme.
This was announced by Health Minister Harsh Vardhan as he read out a speech by Prime Minister Modi to a gathering of US-based Indian medical professionals in San Antonio, Texas, underscoring the need for all citizens to involve themselves in the national endeavour for "Healthy India".
"It is my firm belief that our focus needs to go beyond health insurance. The way ahead lies in health assurance. We need to focus on preventive health care where public participation has a major role to play," the Prime Minister said in his address to delegates at the 32nd annual convention of the American Association of Physicians of Indian Origin (AAPI) held in San Antonio.
Modi said the aim of his government is to bring about a 'complete transformation' of the health sector through research, innovation and the latest technology. The AAPI is a professional body of physicians of Indian- origin.
On medical insurance, Harsh Vardhan said that the blueprint of the world's largest universal health insurance programme is in the process of being sharpened under his personal gaze.
It is partially inspired by US President Barack Obama's grand insurance-for-all project which is popularly known as "Obamacare", he said.
"The Prime Minister has authorised me to come up with a brand new policy soon. I need your help to write this all-important document," the Minister said.
The Prime Minister's message also resonated in Harsh Vardhan's address to AAPI members.
He named specific sectors where AAPI members could contribute, like accepting teaching assignments, share knowledge on telemedicine, lend their expertise in fighting disease, help develop model primary health centres, etc.
The Health Minister also unfurled the "Swasth India" portal which, apart from showcasing medical advancement and recommending panacea for the benefit of Indians, would facilitate online permission for Indian American doctors to serve in the areas of their choice in India.
"Swasth India" would make it possible for any US-based Indian doctor to select the areas they wish to serve in India, seek and receive formal approval from Medical Council of India (MCI) on their qualifications, and address all other government issues within 15 days.
"Before leaving on this trip, I had written to MCI that existing bottlenecks should be eased and if permission is held up beyond 15 days, then it should be deemed automatically granted," Harsh Vardhan said.
The president of MCI, Jayashreeben Mehta, was present on the occasion. Harsh Vardhan's theme, "2020: Vision for Healthcare in India" drew warm appreciation from the audience.
He stressed that under Modi's overarching leadership, health policy making and its implementation will not be the monopoly of the government but would be guided by the lived experience of hundreds of experts who will be urged to bring local solutions to local problems.
"For the first time we have a Prime Minister who is committed to serving every mother and child, every Indian young and old, with free and clean hospitals, generic medicines, rational drug policy, healthy lifestyles and, most importantly, enough doctors.
I urge the Indian Diaspora to avail this historic opportunity to contribute to realising this dream," the Health Minister said.
The Minister admitted that in the areas of telemedicine, seminal research, surveillance and early warning systems and, most importantly, medical insurance, he could do with the proven expertise of Indian American doctors.

Saturday, 28 June 2014

E. India displays highest propensity to online life insurance purchases: Study

Although life insurance is the second most searched product online in the eastern region, it necessarily does not translate into proportionate purchases, a study by Max Life Insurance and Nielsen has revealed.
According to the study, East India displays highest propensity to purchasing life insurance through online channels. Moreover, people here are driven by price competitiveness.
Interestingly though, people from the East displayed the lowest confidence, around 27 per cent, on family protection; with a large number (67 per cent) planning to purchase life insurance in the next six months.
The study, according to a release issued by the company,​ included a sample size of 1,009 participants. 
Benefits & barriers

It also revealed that people from the East believe that purchasing online would provide benefits like price, competitiveness, better comparison and lesser paperwork; along with easier availability of policy details.

However, there are some barriers in online purchases with issues like lack of transparency and credibility; limited information and excessive time consumption cropping up.
Security and safety at the time of making payments is another issue that has to be looked into here.
A majority of 'Internet savvy Indians', came to know about online life insurance from traditional sources like work colleagues, parents/other family, employer, company, and print advertisements. “Internet, thus, has marginal contribution in creating awareness about Online Life Insurance,” the survey revealed.
Social networking
At the time of purchase, a substantial number carried out research across blogs or social networking sites like Facebook; but a large number​ of them​ also dropped ​out even before the purchases are made.
On the other hand, using e-commerce as an effective channel ​(​for purchases​) was popular in the lower income groups; compared to others (in the eastern region) who still prefer ​the ​traditional model of selling through agents.

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