Rudolf Virchow a German
pathologist, public health activist and politician stated in 1849 that Medicine
is a social science and politics is nothing else but medicine on a large scale.
As we know now, health is not just about diagnosing ailments, hospitals and
social services; it is an issue of social justice.
Getting good health care is
not a privilege; it is considered a fundamental right. A humane society must be
able to provide basic health access to its citizens irrespective of their
paying capacity.
All across the world, public
seeks health care either through a government facility or private sector or a
combination. Socialized medicine (state medicine) is a term used for a health
care delivery system wherein government takes up the responsibility of
providing health care to its citizens at tax payers’ cost. This is also called
Public –funded health care. The latter can be largely delivered in 2 ways: One,
where the government takes up the charge of providing health care by directly
administering clinics, hospitals and other facilities. Cuba is a classic example
in modern times. The communist country has government-run facilities. There is
no private medical sector in Cuba.
The second method is provision
of health care through health insurance. Canada is a classic example where
government ensures health insurance for everyone and patients can go to a
government or a private facility.
In last 6 decades, India has
struggled to make progress in improving health access for its people.
Healthcare financing in India has been poor, it spends just 4 percent of its
national budget on health. Notwithstanding its burgeoning population, vast
geographical area, illiteracy rate and poverty, Indian government has been able
to take health care to rural populace through sub-centers, primary health
centers, and community health centers. At the same time, private medical sector
has also developed significantly. However, unique challenges still remain.
Thus, it is obvious that
government of India remains committed to universal health access for its
citizens. India is signatory to W.H.O.’s Alma Ata (1978) convention of “Health
for All by 2000 A.D.” and subsequent Millennium Development Goals (MDGs) as
envisioned by W.H.O. in the year 2000.
Indian central and state
governments have so far chiefly focused on owning and administering their own health
care delivery system. However, government-run dispensaries and hospitals and
health programs have delivered sub-optimal results. The public perception about
governmental hospitals is also poor.
One alternative which has
remained largely unexploited is providing health coverage via health insurance.
The government rather than necessarily running its own health facilities may
consider providing health insurance to its citizens. Time has come that India
catches up with this alternative model of allocating resources and funding to
its public health programs.
When Mr. Narendra Modi took
over as Prime Minister last year, he envisioned health insurance for everyone.
His ambitious National Health Assurance Mission (NHAM) is likely to be launched
in coming days. This will bring much needed promise to the evolution of health
insurance model in India. To be rolled out in phases, it may take a decade
before the scheme can be actually offered to everyone.
National Health Assurance
Mission (NHAM) is one example of Government-sponsored Health Insurance schemes
(GSHISs). The Congress regimen in 2008 had launched an ambitious Rastriya
Swasthya Bima Yojna (RSBY). It focuses on providing inpatient coverage to
families living Below Poverty Line (BPL). With a mere registration fee of Rs.
30, RSBY provides cash-less health insurance to BPL families up to Rs. 30,000.
The entire premium is paid by the state (25%) and central (75%) governments.
With the introduction of NHAM, RSBY will be gradually merged into NHAM.
Government-sponsored Health
Insurance schemes (GSHISs) are not new to India, but surely the evolution has
been slow. Employees’ State Insurance Scheme (ESIS), Central Government Health
Scheme (CGHS) schemes are in vogue since decades. ‘Mediclaim’ was a private
voluntary health scheme launched in 1986 by government insurance companies. In
the last decade, a few states have successfully launched health insurance
schemes: AarogyaSri (Andhra Pradesh), Vajpayee Arogyashri (Karnatka), the Chief
Minister Comprehensive Health Insurance (Tamil Nadu) and RSBY Plus (Himachal
Pradesh). The most crucial advantage of government sponsored health schemes is
that they are primarily targeted at poorer people, thus enabling a bottom up
approach for health for all.
Compared to USA where 75 % of
people have health insurance, the most common mode of payment for medical
services in India is still ‘out of pocket’. Thus, there is ample scope for
health insurance in India. With government’s push for universal health coverage,
this market is likely to grow in coming years. Government sponsored Health
insurance is likely to be the dominant theme, but private insurance companies
can also play a crucial role. Not only they will bring in the much needed
investment, their entry will bring better practices, competition and a global
insight. Health insurance is currently limited to indoor treatment. There is a
need of coverage being extended to outpatient treatment and procedures too.
Medical
Insurance Policy is not without challenges in India. In our country, there
is already a high level of medical malpractice. The unfettered continuation of
such unethical practices may bleed health insurance schemes. Then there is lack
of standardization of medical treatment regimens and practices in India,
creating challenges for the insurance companies when it comes to
reimbursements.
Medicine cannot just continue
as a private matter, it must evolve into a social institution wherein it can
serve the basic needs of the society. Universal health assurance hopefully will
accelerate the process for India in the direction.
Source: indianexpress.com/article/blogs/universal-health-insurance-in-india-a-way-to-go-forward/
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