The Problems With Health Insurance Sector in India
Journal Title: PARIPEX-Indian Journal of Research - Year 2015, Vol 4, Issue 3
Abstract
The level of health care spending in India currently is considerably higher and more than three-quarters of this spending includes private ‘out-of-pocket expenses’. Despite such a high share of expenditure by individuals, the provision of health care, that is inadequate in terms of quality and access, is becoming more and more problematic. This highlights the need for alternative source of financing health care cost that may be health insurance. This is one of the most growing segment of insurance industry. Despite it there are several bottlenecks prominent such as lack of product innovation, low awareness among people, high claim paid -out ratio of insurers, inefficiency of Third Party Administrator etc. Some other challenges pertain to the demand conditions, competition in the sector, delivery and distribution systems etc. So present study is an effort in the area of health insurance to find out its problems and some solutions also.To accomplish the objective, the paper has been divided into four broad sections. Section I introduce the health insurance in India and deals with review of the work done on health insurance. Section II presents a methodology to work out the problems of health insurance in India. Section III explained the problems associated with health insurance business in India. The Section IV concludes the discussion along with certain policy implications.
Authors and Affiliations
Suman Devi, Dr. Vazir Singh Nehra
Keywords
Related Articles
- EP ID EP571207
- DOI -
- Views 61
- Downloads 0
THE ANALYZES OF COPOLYMER SHELVIS USED AS VISCOSITY IMPROVERS FOR SAE 10W-40 MINERAL OIL
Copolymer Shelvis is used as automotive for as viscosity improvers for multi-grade oils. The properties chemical and physical of copolymer are: physical state – solid, form – white solid blocks, colour – compressed crumb...
A STUDY OF THE COMPLICATIONS OF TYPE 2 DIABETES MELLITUS IN A TERTIARY CARE HOSPITAL AND THEIR CORRELATION WITH HbA1c LEVELS
Introduction: Diabetes mellitus is a chronic progressive metabolic condition. HbA1c has assumed a pivotal position not only to diagnose but also to predict the complications of diabetes mellitus. Objectives: To study the...
Effect of P16ink4a Immunohistochemistry on Screening of Carcinoma Cervix
Background: Currently the primary screening test for cervical cancer in most countries is Papanicoaou cytology. But sensitivity with cervical cytology is low (approximately 72% %) . Detecting the viral DNA is a highly se...
WATER-SHED DEVELOPMENT AND MANAGEMENT IN TAMIL NADU: THE PAST, PRESENT AND FUTURE - A POLICY ANALYSIS
The Tamil Nadu government recently declared all districts of the state drought-hit, following a deficit in the North east Monsoon last year. In some districts like Coimbatore, Namakkal and Salem water is not available ev...
MARKETING MANTRAS - FOR THE NEW INDIAN CONSUMER OF GENERATION- I.
The concept of traditional market segmentation seems to be getting replaced by the modern one, as we are forging ahead with our complex lifestyles in the New Millennium. There seems to be a different kind of consumer buy...