a) Mr J Hari Narayan, Chairman, Insurance Regulatory and Development Authority (IRDA) has urged that evolution of Universal Healthcare system should be adapted to the needs of all layers of the society, particularly senior citizens and differently abled people.
While delivering the key-note address at the 6th Health Insurance Summit 2012 organized by the Confederation of Indian Industry (CII) in New Delhi, the IRDA Chairman underscored the need for a massive education campaign, across the country, involving all stakeholders to enable universal access to health insurance. In this regard, he said, the Public Health Foundation has done considerable research in this field. The CII Working Groups on Health Insurance should also deliberate on these issues and build a framework of implementable action plans. At the same time, the products to be evolved should address aspects of both medical and surgical interventions, at an affordable cost. Design of a product, active education campaign and evolution of standards, codes and clinical protocol are critically important for achieving universal healthcare.
Mentioning that considerable ground has been covered in popularizing health insurance in the country, the IRDA Chairman acknowledged the valuable support extended by the CII, which has set up various sub-committees to look into the entire spectrum of health insurance.
He hoped that these consultations would continue to make the system more transparent and accountable for all stakeholders.
The IRDA Chairman observed that the government was having a re-look at the tiered agent system, as the finance minister has pointed out the other day. He said that there is a case for allowing banks to handle products of more insurance companies. The rationale is that presently only 20 per cent of the branches of a bank handle sale of insurance products. The rest of the branches should be allowed to sell products of other insurance companies. Also, the role of the bank can be migrated from that of an agent to a broker, which would enable them to sell products of more than one insurance companies.
b) Laying emphasis on building trust among stakeholders, Mr Hari Naryan said that it could be brought about by understanding each other’s views perspectives and challenges. “Undoubtedly, there has been some positive developments in this regard as reflected in the higher penetration of health insurance, but we have to traverse a long way in meeting the target,” he added.
c) Earlier, giving the special address at the Summit, Dr Naresh Trehan, Chairman, CII National Committee on Healthcare and Chairman, Medanta -The Medicity, sketched the impressive growth of the healthcare industry in India as evidenced by higher turnover, which grew to an impressive figure of Rs 15,000 crore from a mere Rs 1500 crore a ten-fold increase in three years’ time and the increase in penetration to 5 per cent from 1 per cent during the same period. He underscored the need for a collaborative approach for building trust among the stakeholders.
d) Mr A Vaidheesh, Chairman, 6th Health Insurance Summit and Vice President, Government Affairs, Asia Pacific, Johnson & Johnson, stressed the need for building a database for evolving a strong clinical protocol.
CII has organized its annual programme on Health Insurance, the 6th Health Insurance Summit on 3rd October 2012 in New Delhi with the theme “Payor & Provider Collaboration: Enhancing Customer Experience”. The programme was focused on the Payor & Provider Collaboration, in terms of finding long lasting solutions for existing pain points and aspiring for mutual growth. The summit was also an opportunity to identify the mechanisms for closer association of Insurers & Providers for better patient delivery. The thrust was on the two impending issues: 1. Resolution of immediate operational issues by mutual consultations and identifying mechanisms for creating standards amongst the stake holders. 2. Developing Policy measures for sustenance and growth of all stakeholders in the long term, including social health & health insurance schemes.
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