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
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
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 | Hardly a gamechanger -Subrata Mukherjee &amp; Subhanil Chowdhury    </title>
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-The Hindu

Neither the Budget nor the National Health Policy 2017 shows a clear health sector road map

The National Health Protection Scheme announced in this year&rsquo;s Budget has generated a lot of debate. The government has committed itself to &ldquo;providing coverage..."/>
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Neither the Budget nor the National Health Policy 2017 shows a clear health sector road map

The National Health Protection Scheme announced in this year&rsquo;s Budget has generated a lot of debate. The government has committed itself to &ldquo;providing coverage..." />
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    <h1 class="cat-box-title">Hardly a gamechanger -Subrata Mukherjee &amp; Subhanil Chowdhury</h1>
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		 Published on</span><span class="text-date"> Feb 12, 2018</span>
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                            <div align="justify">-The Hindu<br /><br /><em>Neither the Budget nor the National Health Policy 2017 shows a clear health sector road map<br /></em><br />The National Health Protection Scheme announced in this year&rsquo;s Budget has generated a lot of debate. The government has committed itself to &ldquo;providing coverage up to ?5 lakh per family per year for secondary and tertiary care hospitalisation&rdquo; for 10 crore poor families, with approximately 50 crore people as beneficiaries. As only ?2,000 crore in 2018-19 has been allotted to finance this scheme, various government functionaries have come up with estimates between ?10,000 to ?12,000 crore as its actual cost. We wish to take the debate beyond the money required and look at other crucial issues.<br /><br /><em>The target group<br /></em><br />First, the government&rsquo;s target group seems to be the bottom 40% (50 crore) of the population. A good starting point would be to look at the insurance coverage that this section already has.<br /><br />An analysis of the National Sample Survey (NSS) 71st round (2014) unit record data for &ldquo;Social Consumption in India: Health&rdquo; shows that only 11.3% of the bottom 40% (10.5% covered by government insurance) population has any insurance coverage as against 17.9% for the top 60% (14.3% covered by government insurance). In other words, just to bring the entire 40% of the population under health insurance is a huge task, with fiscal implications. As latest official data for 15 States show, starting from 2008, only 66% of the target below poverty line population has come under coverage of the Rashtriya Swasthya Bima Yojana (RSBY), the government-run health insurance programme for the poor In 2017-18, the government allocated only ?1,000 crore for RSBY, covering roughly 10% of the bottom 40% of the population.<br /><br />We estimate, on the basis of National Sample Survey data, that the total cost of medical expenditure (including reimbursements) for hospitalisations incurred by the bottom 40% was ?14,286.82 crore in 2014, with the average cost of hospitalisation being only ?8,081 in the same year. With ?5 lakh coverage (if we assume that most of the hospitalisation cost will be reimbursed) then the premium which needs to be paid would be much higher than the government&rsquo;s estimate.<br /><br /><em>Rate and reimbursement<br /></em><br />The problem, however, is in terms of the rate of hospitalisation and reimbursement of expenses that insurance companies pay, as seen in the table.<br /><br />Three observations are crucial in reading the table. First, the rate of hospitalisation for those covered under some kind of health expenditure support is higher than those without any cover, for the bottom 40% as well as the entire population. If the new health scheme announced in the Budget brings more people under insurance, then the rate of hospitalisation will show significant improvement.<br /><br />Therefore, over and above the money needed for insurance premium, adequate medical infrastructure needs to be created for the scheme to work; given that there has not been much allocation for it in the Budget. In the absence of such allocation, private health-care demand will rise, possibly leading to an increase in the cost of private health care. Second, reimbursement as a percentage of medical cost of hospitalisation in government schemes is abysmally low, especially for the bottom 40% of the population. Only 4.5% of total hospitalisation expenses are reimbursed to the bottom 40% and 11.9% for the entire population.<br /><br />This raises questions about the efficacy of government schemes. Even with the meagre coverage of ?30,000 (RSBY), the proportion of hospitalisation cost reimbursed is low. There is no guarantee that increasing coverage will improve this.<br /><br />Third, the proportion of hospitalisation cost reimbursed is much higher for insurance schemes directly bought by households than government ones. In the case of insurance being paid by the government, insurance companies are most often unwilling to pay the reimbursement as compared to when a household pays. This could be a result of low premiums paid by the government or a general apathy towards honouring the insurer&rsquo;s commitment when the payers are not the actual patients but the government.<br /><br />Please <a href="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true" title="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true">click here</a> to read more. <br /><br /><br /></div>                                                           
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    <br><a href="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true" class="re" target="_blank">The Hindu, 12 February, 2018, http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true</a><div class="clear"></div>
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    <h1 class="cat-box-title">Hardly a gamechanger -Subrata Mukherjee &amp; Subhanil Chowdhury</h1>
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                            <div align="justify">-The Hindu<br /><br /><em>Neither the Budget nor the National Health Policy 2017 shows a clear health sector road map<br /></em><br />The National Health Protection Scheme announced in this year&rsquo;s Budget has generated a lot of debate. The government has committed itself to &ldquo;providing coverage up to ?5 lakh per family per year for secondary and tertiary care hospitalisation&rdquo; for 10 crore poor families, with approximately 50 crore people as beneficiaries. As only ?2,000 crore in 2018-19 has been allotted to finance this scheme, various government functionaries have come up with estimates between ?10,000 to ?12,000 crore as its actual cost. We wish to take the debate beyond the money required and look at other crucial issues.<br /><br /><em>The target group<br /></em><br />First, the government&rsquo;s target group seems to be the bottom 40% (50 crore) of the population. A good starting point would be to look at the insurance coverage that this section already has.<br /><br />An analysis of the National Sample Survey (NSS) 71st round (2014) unit record data for &ldquo;Social Consumption in India: Health&rdquo; shows that only 11.3% of the bottom 40% (10.5% covered by government insurance) population has any insurance coverage as against 17.9% for the top 60% (14.3% covered by government insurance). In other words, just to bring the entire 40% of the population under health insurance is a huge task, with fiscal implications. As latest official data for 15 States show, starting from 2008, only 66% of the target below poverty line population has come under coverage of the Rashtriya Swasthya Bima Yojana (RSBY), the government-run health insurance programme for the poor In 2017-18, the government allocated only ?1,000 crore for RSBY, covering roughly 10% of the bottom 40% of the population.<br /><br />We estimate, on the basis of National Sample Survey data, that the total cost of medical expenditure (including reimbursements) for hospitalisations incurred by the bottom 40% was ?14,286.82 crore in 2014, with the average cost of hospitalisation being only ?8,081 in the same year. With ?5 lakh coverage (if we assume that most of the hospitalisation cost will be reimbursed) then the premium which needs to be paid would be much higher than the government&rsquo;s estimate.<br /><br /><em>Rate and reimbursement<br /></em><br />The problem, however, is in terms of the rate of hospitalisation and reimbursement of expenses that insurance companies pay, as seen in the table.<br /><br />Three observations are crucial in reading the table. First, the rate of hospitalisation for those covered under some kind of health expenditure support is higher than those without any cover, for the bottom 40% as well as the entire population. If the new health scheme announced in the Budget brings more people under insurance, then the rate of hospitalisation will show significant improvement.<br /><br />Therefore, over and above the money needed for insurance premium, adequate medical infrastructure needs to be created for the scheme to work; given that there has not been much allocation for it in the Budget. In the absence of such allocation, private health-care demand will rise, possibly leading to an increase in the cost of private health care. Second, reimbursement as a percentage of medical cost of hospitalisation in government schemes is abysmally low, especially for the bottom 40% of the population. Only 4.5% of total hospitalisation expenses are reimbursed to the bottom 40% and 11.9% for the entire population.<br /><br />This raises questions about the efficacy of government schemes. Even with the meagre coverage of ?30,000 (RSBY), the proportion of hospitalisation cost reimbursed is low. There is no guarantee that increasing coverage will improve this.<br /><br />Third, the proportion of hospitalisation cost reimbursed is much higher for insurance schemes directly bought by households than government ones. In the case of insurance being paid by the government, insurance companies are most often unwilling to pay the reimbursement as compared to when a household pays. This could be a result of low premiums paid by the government or a general apathy towards honouring the insurer&rsquo;s commitment when the payers are not the actual patients but the government.<br /><br />Please <a href="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true" title="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true">click here</a> to read more. <br /><br /><br /></div>                                                           
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    <br><a href="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true" class="re" target="_blank">The Hindu, 12 February, 2018, http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true</a><div class="clear"></div>
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                            <div align="justify">-The Hindu<br /><br /><em>Neither the Budget nor the National Health Policy 2017 shows a clear health sector road map<br /></em><br />The National Health Protection Scheme announced in this year&rsquo;s Budget has generated a lot of debate. The government has committed itself to &ldquo;providing coverage up to ?5 lakh per family per year for secondary and tertiary care hospitalisation&rdquo; for 10 crore poor families, with approximately 50 crore people as beneficiaries. As only ?2,000 crore in 2018-19 has been allotted to finance this scheme, various government functionaries have come up with estimates between ?10,000 to ?12,000 crore as its actual cost. We wish to take the debate beyond the money required and look at other crucial issues.<br /><br /><em>The target group<br /></em><br />First, the government&rsquo;s target group seems to be the bottom 40% (50 crore) of the population. A good starting point would be to look at the insurance coverage that this section already has.<br /><br />An analysis of the National Sample Survey (NSS) 71st round (2014) unit record data for &ldquo;Social Consumption in India: Health&rdquo; shows that only 11.3% of the bottom 40% (10.5% covered by government insurance) population has any insurance coverage as against 17.9% for the top 60% (14.3% covered by government insurance). In other words, just to bring the entire 40% of the population under health insurance is a huge task, with fiscal implications. As latest official data for 15 States show, starting from 2008, only 66% of the target below poverty line population has come under coverage of the Rashtriya Swasthya Bima Yojana (RSBY), the government-run health insurance programme for the poor In 2017-18, the government allocated only ?1,000 crore for RSBY, covering roughly 10% of the bottom 40% of the population.<br /><br />We estimate, on the basis of National Sample Survey data, that the total cost of medical expenditure (including reimbursements) for hospitalisations incurred by the bottom 40% was ?14,286.82 crore in 2014, with the average cost of hospitalisation being only ?8,081 in the same year. With ?5 lakh coverage (if we assume that most of the hospitalisation cost will be reimbursed) then the premium which needs to be paid would be much higher than the government&rsquo;s estimate.<br /><br /><em>Rate and reimbursement<br /></em><br />The problem, however, is in terms of the rate of hospitalisation and reimbursement of expenses that insurance companies pay, as seen in the table.<br /><br />Three observations are crucial in reading the table. First, the rate of hospitalisation for those covered under some kind of health expenditure support is higher than those without any cover, for the bottom 40% as well as the entire population. If the new health scheme announced in the Budget brings more people under insurance, then the rate of hospitalisation will show significant improvement.<br /><br />Therefore, over and above the money needed for insurance premium, adequate medical infrastructure needs to be created for the scheme to work; given that there has not been much allocation for it in the Budget. In the absence of such allocation, private health-care demand will rise, possibly leading to an increase in the cost of private health care. Second, reimbursement as a percentage of medical cost of hospitalisation in government schemes is abysmally low, especially for the bottom 40% of the population. Only 4.5% of total hospitalisation expenses are reimbursed to the bottom 40% and 11.9% for the entire population.<br /><br />This raises questions about the efficacy of government schemes. Even with the meagre coverage of ?30,000 (RSBY), the proportion of hospitalisation cost reimbursed is low. There is no guarantee that increasing coverage will improve this.<br /><br />Third, the proportion of hospitalisation cost reimbursed is much higher for insurance schemes directly bought by households than government ones. In the case of insurance being paid by the government, insurance companies are most often unwilling to pay the reimbursement as compared to when a household pays. This could be a result of low premiums paid by the government or a general apathy towards honouring the insurer&rsquo;s commitment when the payers are not the actual patients but the government.<br /><br />Please <a href="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true" title="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true">click here</a> to read more. <br /><br /><br /></div>                                                           
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    <br><a href="http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true" class="re" target="_blank">The Hindu, 12 February, 2018, http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true</a><div class="clear"></div>
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Hardly a gamechanger -Subrata Mukherjee & Subhanil Chowdhury

Published on Feb 12, 2018   Modified on Feb 12, 2018

-The Hindu Neither the Budget nor the National Health Policy 2017 shows a clear health sector road map The National Health Protection Scheme announced in this year’s Budget has generated a lot of debate. The government has committed itself to “providing coverage up to ?5 lakh per family per year for secondary and tertiary care hospitalisation” for 10 crore poor families, with approximately 50 crore people as beneficiaries. As only ?2,000 crore in 2018-19 has been allotted to finance this scheme, various government functionaries have come up with estimates between ?10,000 to ?12,000 crore as its actual cost. We wish to take the debate beyond the money required and look at other crucial issues. The target group First, the government’s target group seems to be the bottom 40% (50 crore) of the population. A good starting point would be to look at the insurance coverage that this section already has. An analysis of the National Sample Survey (NSS) 71st round (2014) unit record data for “Social Consumption in India: Health” shows that only 11.3% of the bottom 40% (10.5% covered by government insurance) population has any insurance coverage as against 17.9% for the top 60% (14.3% covered by government insurance). In other words, just to bring the entire 40% of the population under health insurance is a huge task, with fiscal implications. As latest official data for 15 States show, starting from 2008, only 66% of the target below poverty line population has come under coverage of the Rashtriya Swasthya Bima Yojana (RSBY), the government-run health insurance programme for the poor In 2017-18, the government allocated only ?1,000 crore for RSBY, covering roughly 10% of the bottom 40% of the population. We estimate, on the basis of National Sample Survey data, that the total cost of medical expenditure (including reimbursements) for hospitalisations incurred by the bottom 40% was ?14,286.82 crore in 2014, with the average cost of hospitalisation being only ?8,081 in the same year. With ?5 lakh coverage (if we assume that most of the hospitalisation cost will be reimbursed) then the premium which needs to be paid would be much higher than the government’s estimate. Rate and reimbursement The problem, however, is in terms of the rate of hospitalisation and reimbursement of expenses that insurance companies pay, as seen in the table. Three observations are crucial in reading the table. First, the rate of hospitalisation for those covered under some kind of health expenditure support is higher than those without any cover, for the bottom 40% as well as the entire population. If the new health scheme announced in the Budget brings more people under insurance, then the rate of hospitalisation will show significant improvement. Therefore, over and above the money needed for insurance premium, adequate medical infrastructure needs to be created for the scheme to work; given that there has not been much allocation for it in the Budget. In the absence of such allocation, private health-care demand will rise, possibly leading to an increase in the cost of private health care. Second, reimbursement as a percentage of medical cost of hospitalisation in government schemes is abysmally low, especially for the bottom 40% of the population. Only 4.5% of total hospitalisation expenses are reimbursed to the bottom 40% and 11.9% for the entire population. This raises questions about the efficacy of government schemes. Even with the meagre coverage of ?30,000 (RSBY), the proportion of hospitalisation cost reimbursed is low. There is no guarantee that increasing coverage will improve this. Third, the proportion of hospitalisation cost reimbursed is much higher for insurance schemes directly bought by households than government ones. In the case of insurance being paid by the government, insurance companies are most often unwilling to pay the reimbursement as compared to when a household pays. This could be a result of low premiums paid by the government or a general apathy towards honouring the insurer’s commitment when the payers are not the actual patients but the government. Please click here to read more.

The Hindu, 12 February, 2018, http://www.thehindu.com/opinion/op-ed/hardly-a-gamechanger/article22724068.ece?homepage=true

Tagged with: National Health Protection Scheme National Health Protection Scheme (NHPS) National Health Policy 2017 public expenditure on health Out-of-pocket health expenditure Medical Insurance Medical Treatment Medical Expenses

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