The government’s ambitious mega health care program covering 100 million households, which is estimated to cover nearly 40% of the population, will start from October 2 and for this, Center and all the State governments will fund together. The ratio of central and state funding will be 60:40. The estimated cost per family premium will be Rs.1000 to Rs 1200. It will cover over 10 Crore households or around 50 Million people, which are classified as ‘deprived’ in the socio-economic caste census of 2011. It will be a cashless facility linked to the base and beneficiaries can be treated anywhere in any private or government hospital included in the panel.
Some experts have questioned the amount of funding and premiums for the scheme. The Policy Commission has calculated Rs 10,000–Rs 12,000 Crore per for the scheme. Policy Commission is confident of successful implementation of this scheme with the help of very little premium from insurance companies.
Official sources said that the Rajasthan government is currently planning a health insurance cover of Rs 3.75 Lakh annually on premium of Rs 500 per family and the claim rate is around 2.5%. Officials said that Finance Minister, Arun Jaitley, declared the National Health Protection Scheme in Parliament, is quite widespread and there is considerable scope for valuation from insurance companies.
Highlighting the key points of who all will be covered:
- The 100 Million families classified as deprived in the 2011 Socio-Economic Caste Census. Coverage of Rs 5 lakh per family per year.
- Post plan launched this family will come into its own right. There is no limit on the size of the family each and every family member will get the coverage.
Timeline to execute scheme:
- Approval of the scheme till March
- By March will churn out the stakeholders’ plans related to it.
- In April, data related to it will be prepared, then by June, it will be ready for IT system.
- An awareness campaign will be run for the scheme in June.
- The state will make its preparations till July, and tender can be withdrawn for the same month.
In the budget of 2018–19, only Rs 2,000 Crore has been allocated for the National Health Insurance Scheme, which will be used to start the National Health Protection Scheme (NHPS). The government will need more Rs 5000 to Rs 6000 crore to start this scheme.