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05 OCTOBER, 2017 (MAINS)


Q1. In India, medical facilities are inadequate as reflected by the 0.5 beds available per 1000 people in our country, and this problem has been further aggravated by the question of affordability of available medical services. Examine the role and importance of health insurance vis-à-vis

subsidized/ free health services provided by the government.


Please write the answer in comments section

  • Osho Korde

    In India, the constitution grants free healthcare for all. Each district headquarters in most states have one or more Government hospitals where everything from diagnosis to medicine is given for free. Most experts agree that building on these Government and public healthcare units across the nation is crucial to India’s future while private insurance is probably not conducive to India’s conditions.

    Non-availability of diagnostic tools and increasing reluctance of qualified and experienced healthcare professionals to practice in rural, under-equipped and financially less lucrative rural areas are becoming big challenges

    Understanding the concept of health insurance Health Insurance in India, popularly known as Mediclaim, is nothing but an Insurance which covers expenses related to necessary Hospitalization due to a Sickness or an Accidental Injury. A standard mediclaim covers comprehensive costs of Hospitalization, which include:
    • Investigation costs before the hospitalization like Medical Tests, Doctor Fees,
    • It includes cost for ambulance
    • All costs while in the hospital which include room charges, surgery charges, diagnostic tests etc.
    • Costs incurred post hospitalization for complete recovery, for example follow up doctor visits, diagnostic tests, medicines connected to the Hospitalization.
    Benefits of a health insurance plan Due to skyrocketing inflation, quality healthcare, hospitalization is becoming very expensive. Large hospitalizations which cost lakhs of rupees can seriously burn a very big hole in one’s savings or worse, burden one with huge debt. Health Insurance plans help in spreading such a risk to larger no. of people, and hence bring the costs down per person.