Health policy is an integral part of protecting public health and promoting well-being. It is a broad set of regulations, laws, and guidelines designed to influence health behaviours and outcomes. It covers health promotion and the prevention of diseases. It focuses on providing universal access to quality healthcare services, promoting preventive and promotive health services, and controlling communicable and non-communicable diseases. It seeks to improve the overall health of individuals and populations and promote public health. It is an essential tool for health services delivery and promoting health and well-being in our communities.
Overview of Health Policy in India
The Indian health policy, also known as the National Health Policy, is a policy that seeks to improve the overall health and well-being of Indian citizens. The government of India developed the policy in 1983 and revised it in 2002 and 2017. The main focus of the policy is to provide access to quality healthcare services to all citizens of India, regardless of their economic and social status.n India, the Universal Health Insurance Scheme aspires to do that and much more. This scheme can be availed by the poorest of the poor in the age group of 5 to 70 years. Universal Health Insurance Scheme offers individual as well as group health insurance. It covers hospitalization, accident, and disability.
The policy seeks to achieve this goal by implementing various programs and initiatives, including free health check-ups and immunisation campaigns, promoting public-private partnerships and providing financial assistance for those in need. Additionally, the policy promotes using modern technology and evidence-based medical practices to improve the quality of healthcare services. The policy also aims to reduce the burden of diseases and the aftermath it causes by encouraging preventive health measures, such as promoting healthy lifestyles, preventing the spread of infectious diseases, and reducing the prevalence of non-communicable diseases.
Types of Health Plans
Apart from government policies, the private sector in India provides several health insurance plans that are as advantageous as government policies. Family plans, individual policies and plans for senior citizens are readily available and can provide optimal protection in medical emergencies. Here are some plans available in the market:
1. Family Health Plan
Family health plan is a type of coverage that provides financial protection for medical costs incurred by a family. It typically covers medical and surgical expenses, preventive care, hospitalisation, emergency care, prescription drugs, and sometimes dental and vision care for all family members. It may also cover long-term care and mental health services.
The best health policy for the family can help you save money on medical costs. They can also provide peace of mind that family members will be covered in case of an emergency or unexpected illness. Before signing up for a family health insurance plan, comparing different plans and understanding the coverage provided is essential.
2. Senior Citizens Health Plan
India is home to six per cent of the world’s older population. Health insurance for senior citizens in india is an important and pressing issue. The Government of India has taken several steps to ensure senior citizens can access the best healthcare possible.
The Senior Citizens Health Insurance Scheme is a comprehensive health insurance policy for senior citizens and their dependents. Under the scheme, the elderly are provided with coverage for hospitalisation expenses and pre- and post-hospitalisation expenses, such as doctor’s fees, medicines, and diagnostic tests. The scheme also provides coverage for daycare procedures and domiciliary treatments.
Benefits of Health Insurance Policy
There are many advantages that you can avail yourself of from the best health policy in India, some of which are explained below:
- Universal access to basic health care services: The Indian health plan provides universal access to primary health services for all citizens, regardless of income level.
- Improved access to essential medicines: The policy also provides improved access to essential medicines and vaccines, which are crucial for preventing and treating many diseases.
- Increase in public health spending: The policy has significantly increased public health spending, with the government investing more in the health sector.
- Improved health infrastructure: The policy also aims to improve the health infrastructure in India, with the government investing in the construction of new hospitals and health centres.
- Access to health insurance: It also provides access to health insurance, allowing citizens to access health care services without incurring high costs.
After getting your health policy plan, It is also important to renew it regularly to ensure that you and your dependents are always covered in case of any medical emergency. All health policies have a specific validity period, and it is important to renew the policy before the expiration date to ensure that you are always covered. Health policy renewal can be done online, through the insurer’s website, or at the insurer’s office. You can also renew your health plan through your bank’s website, by directly visiting the bank’s branch, or by calling the bank’s customer care number.
India has taken significant steps towards improving the health of its citizens by developing a comprehensive health policy. The main focus of the policy is on preventing illness and disease, making healthcare accessible, improving the quality of medical services, and providing affordable medical care to all citizens. The policy includes a range of initiatives, such as increasing public expenditure on health, providing universal health insurance, and setting up healthcare facilities in rural areas.
It also calls for better regulation of the private healthcare sector and introducing incentives to attract more private investment in healthcare. The policy seeks to improve India’s healthcare system by ensuring that quality primary care is accessible to all citizens and that affordable healthcare is available to those unable to access it. Additionally, the policy aims to reduce health disparities and improve the population’s overall health.