The world’s biggest health cover plan will be cashless and not a reimbursement scheme, said Finance Minister Arun Jaitley.
He was interacting with mediapersons and industry a day after presenting Budget.
He also promised that the government will provide more funds if required.
The government, in its Budget 2018-19, announced a National Health Protection Scheme to cover over 10 crore poor and vulnerable families, providing coverage upto Rs 5 lakh per family per year for secondary and tertiary care hospitalisation.
“It takes care of hospitalisation, the secondary and tertiary care. Obviously, it will involve various state hospitals and selected private hospitals. It can be on trust model, it can be on insurance model. It’s not on reimbursement model because too many complaints come on the reimbursement model,” said Jaitley.
The model is now being worked out between NITI Aayog and health ministry. If assuming the model to be insurance led, the premium shrink with the increase in number of policy holders, he said.
As per him, Centre and states need to work together under federal institutions like the GST (Goods and Services Tax) Council to effectively implement the health insurance scheme.
The minister said the scheme was originally envisaged in the Niti Aayog by one of its member, who happens to be a leading medical professional.
The initial idea was for a universal healthcare scheme but given the huge costs involved it was decided to start with 100 million families out of the total 250 million Indian families.