Officials of the ministry of health and family welfare on Thursday met with senior executives of general insurance companies on the implementation of National Health Protection Scheme (NHPS).
Officials of the ministry of health and family welfare on Thursday met with senior executives of general insurance companies on the implementation of National Health Protection Scheme (NHPS). The meeting, which lasted for about two hours, saw representatives of the insurance companies sharing their inputs on how the scheme should be designed and rolled out. This is the first meeting between the health ministry and non-life insurers, after finance minister Arun Jaitley had announced the government-funded health care programme, NHPS, to cover more than 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage up to Rs 5 lakh per family per year for secondary and tertiary care hospitalisation.
The meeting also included officials from NITI Aayog and General Insurance Corporation of India (GIC Re). Last week, officials in the ministry of health and family welfare had met officials from various states of the country on the same matter. “We assume that the meeting was called to understand nuances of the scheme and get the input from the general insurance industry. Important point discussed in the meeting was whether this scheme should be a trust model or insurance model. It seems government wants comprehensive cover.
What kind of capping will be done was also discussed,”said an insurance company CEO who attended the meeting. Trust model and insurance model are two different types of models, which can be chosen by the government for the scheme. In case of a trust model, the government sets up a trust and the trust performs the role of an insurance company. State like Andhra Pradesh, Telangana and certain parts of Karnataka use the trust model.