NLIC.org

Jeff Said:

National health insurance(India) question?

We Answered:

All health policies in India are limited in scope. The general attitude of the insurance companies is to make money for themselves and not really support the clients. For example, when some policy holder makes claims for hospitalisation, they have lots of reasons to deny, exclude, reject etc. In my opinion once a person buys a health insurance policy, she should be helped throughout without making her/him to spend further. Let them follow the good practices in other countries. Fix a premium no matter how big or small. But once premium is paid, answer all claims without exclusion of certain diseases. What's the use of health insurance if certain diseases are excluded from the list of cashless hospitalisation or reimbursements?

Recently one of my good friends went to Israel seeking a job. Initially he had problemsof settleing down.He went through lot of hassles because of agents who misguided him. To his misfortune he met with a minor accident and landed is a local hospital. But what a grat nation it is. It treats both nationals and foreigners as equals before the law. He had nothing to pay to the hospital for his week long stay there. The medical treatment was so good, the nursing care excellent and all that was for free! That is what a nation should provide to its citizens.India must emulate these good practices and make insurance work for citizens without a hassle.