Good thoughts, Santanu. Hope some (the bad parts) of these things won't happen.
I don't think it is for the seniors only but all people up to the age of 90 and I think it should go beyond 90, why leave the ones over 90?
All the best again for the new year, as always.
>To: "Chan Mahanta" <[EMAIL PROTECTED]>,"Alpana B. Sarangapani" <[EMAIL PROTECTED]>,<[email protected]>
>Subject: RE: [Assam] From the Sentinel
>Date: Sat, 1 Jan 2005 22:56:08 -0600
>
>The details in the press release are extremely fuzzy. However, it defies credulity that Rs. 20 crores is all it takes to provide health and accident insurance to all seniors of Assam (upto the age of 90).
>The health insurance scheme talks about having a list of diseases that would entitle those suffering from such diseases to receive up to Rs. 25000 from the insurance company as treatment expenses. That's a fair bit of money. A doctor and a patient with the connivance of a pathologist - can easily create a "case" of TB or heart disease - or whatever is on the list. To prevent this the insurance company will need to require patients to go to certain hospitals and certain approved doctors - and these will probably have to be some of the very best ones in the state - and they will immediately raise the prices charged from senior realizing that patients can get partly reimbursed by the insurance company - & this will cause further problems.
>One way to thinbk about the situation is as follows - suppose a private insurance company wants to offer the same insurance scheme to all seniors of the state - what kind of premium would it need to charge to break even (taking into account the high possibilities of fraud, the higher prices charged by approved doctors etc)? I think twenty crores would go nowhere. So, either the company winning Gogoi's tender will not provide the benefits in reality or the state will be paying out far higher amounts to the company....
>Santanu.
>
>
>-----Original Message-----
>From: Chan Mahanta [mailto:[EMAIL PROTECTED]
>Sent: Sun 1/2/2005 12:26 PM
>To: Alpana B. Sarangapani; [email protected]
>Cc: Roy, Santanu
>Subject: Re: [Assam] From the Sentinel
>
>That is indeed an awesome bit of news. Actually too good to believe.
>And that is where my curiosity is: How and who will pay for it? Where
>is Assam going to get the funds to put the scheme in place? And if it
>is not funded adequately what could happen? Being economically
>challenged, I also have this concern that what if it is yet another
>scam promoted by insurance conglomerates, who will take its premiums
>up-front and declare bankruptcy once the going gets tough?
>
>
>Santanu, any thoughts?
>
>
>
>
>
>
>
>At 6:08 PM -0600 1/1/05, Alpana B. Sarangapani wrote:
> ><http://www.sentinelassam.com/sentinel_en/story1.htm>http://www.sentinelassam.com/sentinel_en/story1.htm
> >
> >Assam government employees continue working until the age of 59.
> >
> >Also, free health and accident insurance for all citizens upto to
> >the age of 90. Isn't it just great? At least in this regard, Assam
> >will be on the 1st row with some of the developed countries (Canada
> >and the Netherlands(?), to name a few?) in the world, not even the
> >US has been able to have done that.
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >_______________________________________________
> >Assam mailing list
> >[email protected]
> >http://pikespeak.uccs.edu/mailman/listinfo/assam
> >
> >Mailing list FAQ:
> >http://pikespeak.uccs.edu/assam/assam-faq.html
> >To unsubscribe or change options:
> >http://pikespeak.uccs.edu/mailman/options/assam
>
_______________________________________________ Assam mailing list [email protected] http://pikespeak.uccs.edu/mailman/listinfo/assam
Mailing list FAQ: http://pikespeak.uccs.edu/assam/assam-faq.html To unsubscribe or change options: http://pikespeak.uccs.edu/mailman/options/assam
