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Enhancing Health Insurance cover to weavers
02 Dec '09
2 min read
The Government of India has been implementing the Health Insurance Scheme for the XI Plan from 2007-08 for providing health care facilities to the handloom weavers.
Under the Health Insurance Scheme, the weaver's family of four is entitled for all medical benefits worth Rs. 15,000/- on payment of his/her share of premium. The weavers can easily avail of cashless facility from the nearest OPD centres and IPD hospitals empanelled with the implementing agency i.e. ICICI Lombard General Insurance Company Ltd. In the case of reimbursement, the insurance company i.e. ICICI Lombard shall reimburse expenses incurred by the weavers within the stipulated time and on submission of prescription and the vouchers for the medicines to the local coordinators.
The process is simple and easily accessible in the clusters.Delay in the re-imbursement is mostly due to incomplete documents only. This information was given by the Minister of State for Textiles, Smt. Panabaaka Lakshmi in the Rajya Sabha, in a written reply to a question by Smt. Mohsina Kidwai.
The Minister further stated that at present there is no proposal for enhancing the insurance cover under the Health Insurance Scheme.
The enhancement in the insurance cover will involve a higher rate of total premium which will also result in increase in the weaver's share of premium causing additional burden on the weavers and many weavers may not be able to pay the increased premium. The present Health Insurance Scheme covers all pre-existing as well as new diseases and a substantial provision has been kept for OPD. The annual limit per family is Rs. 15,000/- out of which OPD cover is Rs. 7,500/-, the Minister added.
Under the Health Insurance Scheme, the weaver's family of four is entitled for all medical benefits worth Rs. 15,000/- on payment of his/her share of premium. The weavers can easily avail of cashless facility from the nearest OPD centres and IPD hospitals empanelled with the implementing agency i.e. ICICI Lombard General Insurance Company Ltd. In the case of reimbursement, the insurance company i.e. ICICI Lombard shall reimburse expenses incurred by the weavers within the stipulated time and on submission of prescription and the vouchers for the medicines to the local coordinators.
The process is simple and easily accessible in the clusters.Delay in the re-imbursement is mostly due to incomplete documents only. This information was given by the Minister of State for Textiles, Smt. Panabaaka Lakshmi in the Rajya Sabha, in a written reply to a question by Smt. Mohsina Kidwai.
The Minister further stated that at present there is no proposal for enhancing the insurance cover under the Health Insurance Scheme.
The enhancement in the insurance cover will involve a higher rate of total premium which will also result in increase in the weaver's share of premium causing additional burden on the weavers and many weavers may not be able to pay the increased premium. The present Health Insurance Scheme covers all pre-existing as well as new diseases and a substantial provision has been kept for OPD. The annual limit per family is Rs. 15,000/- out of which OPD cover is Rs. 7,500/-, the Minister added.
Minister of State for Textiles
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