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consumer health initiative product-HEALTH ACCOUNT
aabida b .k | 18 May 2009

Part  ii)BRING LIFE POLICIES AND HEALTH ACCOUNT INTO PICTURE

Suggested  independent   plan of action(your wealth ,your health plan)THE AIM BEING SAVING HUMAN LIFE ON TIME.The  amount  mentioned  can be changed by lawmakers,policy makers,finance minister&health minister according to age,income,family  history of diseases.

1.Every individual must have  a life policyof 3lakh.One can avail for more than 1 policy.

2.Every government  hospital and private hospital must have minimum one public sector bank(possibly having branches all ov er india )(eg. SBI ,IOB,CORPORATION BANK,CANARA,INDIAN BANK,) in their premises or close to it.The local residents must have their HEALTH ACCOUNT   opened near the public  hospitals close to them.

3.Every Railway Station must have a Hospital and minimum one PUBLIC SECTOR  Bank nearby.

4. Apart from SAVING ACCOUNT,CURRENT ACCOUNT , a third account ,HEALTH ACCOUNT  must be started.Every  individual must deposit their  mediclaim  premium/HEALTH SAVING  AMOUNT  on monthly,quarterly,half-yearly,or yearly  basis through bank  in their respective HEALTH ACCOUNT/ANGEL  ACCOUNT.

HEALTH  ACCOUNT CARD  & FILES OF INDIVIDUAL MUST BE MAINTAINED.

5.In case of accident ,injury ,illness,disease     cashless  facility  should be provided on time.The  aim being save human life on time.

6.If there is a shortage of  amount ,overdraft facility should be readily availed  from these hospitals /banks according to doctors report,etc.

HEALTH FUND *can be utilized.

7.LIFE  policy can  be kept as a security. Loans for medical treatment shouldbe availed from LIFE  policy for accident,illness,disease,illness.

8.After 5 yrs every child and especially every girl child must have one LIFE  policy  worth 1 lakh and also one HEALTH ACCOUNT upto 1 lakh.

9.In UNIT LINKED PLANS ,every insurer must disclose   to the insured that it is a unit linked plan,and no loans are provided for the same.

10.If the amount  of injury/illnees /disease/accident  is not covered through   the individual LIFE policies AND HEALTH  ACCOUNT , then children s HEALTH ACCOUNT amount  must be utilised first,    thereafter wives individual HEA LTH ACCOUNT with her APPROVAL/CONSENT.

Even after 2 pronged strategy ,the treatment  requires to be continued  HEALTH FUND must be utilized from respective banks.

11.The individual  can chose any system of treatment,ayurvedic,homeopathy,allopathy etc.

Treatment should be allowed all over india  through public sector banks.

12.For all Life and health  requirement ,get cashless facility from your HARD EARNED MONEY.

Everything included.For  any illness/disease,from head to toe.

No exclusions  at all.

Part iii) 

 

THEREAFTER  ,NECESSARY  CHANGES IN THE TAX STRUCTURE  IN INDIA SHOULD BE MADE.

1.LIFE premium , Loan from  LIFE  policy upto 3 lakh   should be allowed for deduction under sec 80 C.

2.For  mediclaim deposits ofHEALTH INSURANCE /HEALTH  ACCOUNT for   an indiv idual  upto 2 lakh  with  government  banks should  be allowed for deduction under section 80D.For minor upto 1 lakh.

Here every individual manages his own HEALTH ACCOUNT/BENEFIT  ACCOUNT.

3.Every government and private hospital must have a structure of rates  for the general public  for all the specific OPERATION /SURGERY /ILLNESS/DISEASE  and of specific duration.

4.Donations made into these HEALTH ACCOUNT must be exempt from tax.

5.*HEALTH  FUND should be maintained  for  public donations for the welfare of HEALTH ACCOUNT holders of the respective bank,as they may suffer from HIV,COMA,CANCER  in future .Donations towards  HEALTH  FUND  should be exempt from tax.

6.The  only rule  BEING every parent can avail from their respective childrens  HEALTH ACCOUNT.The same applies for girlchild and married womens who can help their parents even after marriage through their individual HEALTH ACCOUNT.This account would be very usefull for womens facing domestic violence,rape,dowry demands .This ACCOUNT  tries to make every working individual  and his/her family  self –sufficient.

 

7.Every earning individual whether  liable to tax or not  should maintain Rs15000 /-in his HEALTH ACCOUNT/ANGEL ACCOUNT/BENEFIT ACCOUNT.EVERY  child and girl child above 5yrs must have Rs 5000/- in his HEALTH ACCOUNT.

THIS WOULD  ALSO CHECK NEW DISEASES IN THAT PARTICULAR AREA.

 

 TAMIL NADU  government  is providing free health insurance cover of 1cr to poor families. There free dentures are given to senior citizen.

 IN India POST OFFICES  are already incurring losses  since last 3 years&  for more job opportunities all over india , i preferred public sector  banks.

The amount  deposited in HEALTH ACCOUNT  can be utilised by the government  hospitals for better health care services

Vaccinations for children  upto 5 yrs should be given with a concession. Free ambulance  services  must be provided .Dental treatment  ,Health checkups  package and age related Eye ailment should be  made free/with concession for senior citizen. BEST  QUALITY Water purifiers must be provided free or with some concession in  slum areas   and in areas where people get boring water.

 

I’VE TO SAY NO TO GOOD,SO I CAN SAY   YES TO THE BEST.

 

This is only a suggestion to safeguard health concerns of future generations of india.Its all upto the government of india ,finance ministers,health ministers,chartered accountants,financial  advisors ,consultants ,government hospital ,public sector banks ,consumer redressal forum and the view of  all the citizens of india  to see the feasibility of my plan of action.   I can see a ray of hope  only in LIFE POLICIES  and  HEALTH ACCOUNT   for future  against critical requirement  of medi-claim policies for  HEALTH INSURANCE