Associated Chambers of Commerce and Industry of India organized the Health Insurance – Rethinking Business Models along with Excellence Awards in Kolkata to take national health insurance to a greater level aiming to provide people the best health insurance policy. One of the pressing matters of the program was to put forward and disseminate information about Ayushman Bharat Scheme, and how it can change the present scenario of the nation’s health insurance. The Indian Health insurance industry is in a state of rapid transition owing to multiple factors such as an increased focus on health care by the Indian Government and increased awareness about chronic diseases and prevention methods. Accessible healthcare is the need of the hour. Ayushman Bharat is a bold initiative taken by the Government of India (GoI) to shift from a segmented, sectoral approach towards healthcare services to a need-based and comprehensive one. The scheme aims to holistically address all aspects of healthcare, including prevention of diseases, promotion of healthcare facilities, and ambulatory care, at the primary, secondary and tertiary levels. The approach adopts a continuum of healthcare, comprising the two interrelated components of health and wellness centers (HWCs) and the Pradhan Mantri Jan Arogya Yojana (PMJAY). “We do not want to make any health insurance complex, to make it more simple we brought out a common health insurance policy called Arogya Sanjeevani, which will have standardized terms and conditions. Every insurer, in India, will have to offer this policy.” Informed Ms. T.L. Alamelu, Member (Non-Life), IRDAI. “Pradhan Mantri Jan Arogya Yojana (PM-JAY) or Ayushman Bharat Scheme has Rs. 5 lakh cover/year/family in a patient’s illnesses. About 40% of the country’s population is in it. The scheme was announced in Budget of 2018 and formerly launched on 23rd September 2018. We have a full proof beneficiary identification which primarily depends on the adhaar identification. The scheme is an entitlement based scheme, where we have collected about 12 crore individual’s adhaar identifications and their mobile numbers and we keep sending them information”, said Ms. Henna Dhawan, Sr. OSD. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana, Govt. of India. Mrs. Perminder Kaur, Director – East & North East, ASSOCHAM, put forward the agenda of the day and called upon the leaders and the panelist to develop a framework which beneficial to the stakeholders. The Health Insurance Conclave put forward issues and agendas of the industry and looked to solve them together with a better framework for a better future focusing on Ayushman Bharat Scheme.
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