Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Get the model right: on state-sponsored insurance -Americai V Narayanan &amp; Kavya Narayanan    </title>
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-The Hindu

For state-sponsored insurance, governments should avoid insurance companies

World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of..."/>
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-The Hindu

For state-sponsored insurance, governments should avoid insurance companies

World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of..." />
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    <h1 class="cat-box-title">Get the model right: on state-sponsored insurance -Americai V Narayanan &amp; Kavya Narayanan</h1>
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                            <div align="justify">-The Hindu<br /><br /><em>For state-sponsored insurance, governments should avoid insurance companies<br /></em><br />World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of Indians would fall below the poverty line because of high OoP health expenditure. Thus, a national health insurance scheme like the Ayushman Bharat is welcome.<br /><br />While the principle of insuring a vulnerable population is widely accepted, what is contentious is the model that the government has adopted &mdash; that of using insurance companies. High premiums are paid for these schemes. Ayushman Bharat, for instance, has enhanced the Rashtriya Swasthya Bima Yojana (RSBY) of the United Progressive Alliance government, to cover around 11 crore families with a yearly coverage of ?5 lakh. Experts estimate this will require ?25,000 crore per year, when fully implemented. Similarly, the Central and State governments jointly paid ?17,796 crore for crop insurance (2017-18) under the Pradhan Mantri Fasal Bima Yojana (PMFBY).<br /><br /><em>The flawed model<br /></em><br />Insurance works on the principle of pooling the risk of policy holders. But another common sense idea must guide insurance decisions. If an individual, corporation or a government can bear a certain quantum of risk by themselves, it is not financially sensible to insure with an insurance company. This is because administrative overheads and profit margins of insurance companies are included in insurance premium costs.<br /><br />Please <a href="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true" title="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true" class="re" target="_blank">The Hindu, 23 November, 2018, https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true</a><div class="clear"></div>
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-The Hindu

For state-sponsored insurance, governments should avoid insurance companies

World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of..."/>
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For state-sponsored insurance, governments should avoid insurance companies

World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of..." />
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    <h1 class="cat-box-title">Get the model right: on state-sponsored insurance -Americai V Narayanan &amp; Kavya Narayanan</h1>
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                            <div align="justify">-The Hindu<br /><br /><em>For state-sponsored insurance, governments should avoid insurance companies<br /></em><br />World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of Indians would fall below the poverty line because of high OoP health expenditure. Thus, a national health insurance scheme like the Ayushman Bharat is welcome.<br /><br />While the principle of insuring a vulnerable population is widely accepted, what is contentious is the model that the government has adopted &mdash; that of using insurance companies. High premiums are paid for these schemes. Ayushman Bharat, for instance, has enhanced the Rashtriya Swasthya Bima Yojana (RSBY) of the United Progressive Alliance government, to cover around 11 crore families with a yearly coverage of ?5 lakh. Experts estimate this will require ?25,000 crore per year, when fully implemented. Similarly, the Central and State governments jointly paid ?17,796 crore for crop insurance (2017-18) under the Pradhan Mantri Fasal Bima Yojana (PMFBY).<br /><br /><em>The flawed model<br /></em><br />Insurance works on the principle of pooling the risk of policy holders. But another common sense idea must guide insurance decisions. If an individual, corporation or a government can bear a certain quantum of risk by themselves, it is not financially sensible to insure with an insurance company. This is because administrative overheads and profit margins of insurance companies are included in insurance premium costs.<br /><br />Please <a href="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true" title="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true" class="re" target="_blank">The Hindu, 23 November, 2018, https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true</a><div class="clear"></div>
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        LATEST NEWS UPDATES | Get the model right: on state-sponsored insurance -Americai V Narayanan &amp; Kavya Narayanan    </title>
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-The Hindu

For state-sponsored insurance, governments should avoid insurance companies

World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of..."/>
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-The Hindu

For state-sponsored insurance, governments should avoid insurance companies

World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of..." />
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    <h1 class="cat-box-title">Get the model right: on state-sponsored insurance -Americai V Narayanan &amp; Kavya Narayanan</h1>
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                            <div align="justify">-The Hindu<br /><br /><em>For state-sponsored insurance, governments should avoid insurance companies<br /></em><br />World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is &ldquo;Out of Pocket&rdquo; (OoP). A report by the World Health Organisation has shown that around 3.2% of Indians would fall below the poverty line because of high OoP health expenditure. Thus, a national health insurance scheme like the Ayushman Bharat is welcome.<br /><br />While the principle of insuring a vulnerable population is widely accepted, what is contentious is the model that the government has adopted &mdash; that of using insurance companies. High premiums are paid for these schemes. Ayushman Bharat, for instance, has enhanced the Rashtriya Swasthya Bima Yojana (RSBY) of the United Progressive Alliance government, to cover around 11 crore families with a yearly coverage of ?5 lakh. Experts estimate this will require ?25,000 crore per year, when fully implemented. Similarly, the Central and State governments jointly paid ?17,796 crore for crop insurance (2017-18) under the Pradhan Mantri Fasal Bima Yojana (PMFBY).<br /><br /><em>The flawed model<br /></em><br />Insurance works on the principle of pooling the risk of policy holders. But another common sense idea must guide insurance decisions. If an individual, corporation or a government can bear a certain quantum of risk by themselves, it is not financially sensible to insure with an insurance company. This is because administrative overheads and profit margins of insurance companies are included in insurance premium costs.<br /><br />Please <a href="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true" title="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true" class="re" target="_blank">The Hindu, 23 November, 2018, https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true</a><div class="clear"></div>
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Get the model right: on state-sponsored insurance -Americai V Narayanan & Kavya Narayanan

Published on Nov 23, 2018   Modified on Nov 23, 2018

-The Hindu For state-sponsored insurance, governments should avoid insurance companies World Bank data, in 2015, showed that nearly 65% of health-care expenditure in India is “Out of Pocket” (OoP). A report by the World Health Organisation has shown that around 3.2% of Indians would fall below the poverty line because of high OoP health expenditure. Thus, a national health insurance scheme like the Ayushman Bharat is welcome. While the principle of insuring a vulnerable population is widely accepted, what is contentious is the model that the government has adopted — that of using insurance companies. High premiums are paid for these schemes. Ayushman Bharat, for instance, has enhanced the Rashtriya Swasthya Bima Yojana (RSBY) of the United Progressive Alliance government, to cover around 11 crore families with a yearly coverage of ?5 lakh. Experts estimate this will require ?25,000 crore per year, when fully implemented. Similarly, the Central and State governments jointly paid ?17,796 crore for crop insurance (2017-18) under the Pradhan Mantri Fasal Bima Yojana (PMFBY). The flawed model Insurance works on the principle of pooling the risk of policy holders. But another common sense idea must guide insurance decisions. If an individual, corporation or a government can bear a certain quantum of risk by themselves, it is not financially sensible to insure with an insurance company. This is because administrative overheads and profit margins of insurance companies are included in insurance premium costs. Please click here to read more.

The Hindu, 23 November, 2018, https://www.thehindu.com/opinion/op-ed/get-the-model-right/article25570451.ece?homepage=true

Tagged with: Pradhan Mantri Fasal Bima Yojana Pradhan Mantri Fasal Bima Yojana (PMFBY) Health Insurance Crop Insurance

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