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.
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