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Editorial (Dr SS Agarwal, Dr K K Aggarwal)
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18th  August 2016
Regulating Regressive Health Insurance in India
With 76% of India’s population lacking health insurance, J.P. Nadda, Union Health Minister, said that in May 2016 only around 24% of India’s population has some form of medical insurance, taking into account both private and public insurance schemes, and RSBY.

20 Central and State sponsored insurance schemes existed in 2015, and the IRDA estimates 28.8 crore Indians were insured as of 2014-15.

Government policy has perhaps created fragmented penetration, not moving towards pooling financial resources for risk projection across social segments. If the base of such pools can be widened and merged it could help reduce classic insurance failures.

Insurance in India only covers catastrophic expenditure (e.g. cost of restricted hospital treatments) offered free, without external audits or regulation of quality. Outpatient treatment and medication is largely not covered.
Commercial insurance has experienced two major problems – 1) only those who need care are more likely to insure themselves (adverse selection) leading to a reduction in pool size, and 2) patients and hospitals build up claims without concern for cost (moral hazard) – attempts to regulate hospitals would lead to cost cutting responses that could increase patient harm.
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Press Release
IMA requests its 2.7 lakh members to support the recently launched Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA)
New Delhi, August 17, 2016: During the recently held IMA National Office Bearers and State Presidents and Secretaries meeting at Jaipur, it was unanimously decided that the IMA would support and spread awareness about the Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA). Towards this, a circular has been issued to all 2.7 lakh IMA members across the country to provide free antenatal consultation to all deserving pregnant women on every 9th of the month between 9.00 am to 11.00 am.

Pradhan Mantri Surakshit Matritva Abhiyan or Yojana is a new initiative of the Prime Minister Narendra Modi Government launched on June 9, 2016. The scheme has been launched with the objective of boosting the health care facilities for the pregnant women, especially the poor.
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