Kshitiz Sharma, Thomason Rajan Kolath, M. G. Sharma
{"title":"Group Mediclaim: A Product for Health Insurance","authors":"Kshitiz Sharma, Thomason Rajan Kolath, M. G. Sharma","doi":"10.2139/SSRN.2796432","DOIUrl":"https://doi.org/10.2139/SSRN.2796432","url":null,"abstract":"India's life insurance sector is the biggest in the world with about 360 million policies and the total market size of insurance projects is projected to touch US$ 350-400 billion by 2020 from US$ 60 billion in 2015. Even with such a huge opportunity in the marketplace, insurance companies have been able to penetrate the non-life insurance sector in India only in the range of 0.5-0.8 per cent. The authors have attempted to study this anomaly and have focused their attention on two aspects- the distribution of health insurance products and the purchase of products using the example of a typical customer. The article starts by addressing at length the various types of health insurance policies in the Indian market including the customer-centric innovations as well as the multiple distribution channels. In the second part, the authors use a case study to elaborate on the decision journey of a 30-year old man named Rex and discusses in detail the multiple challenges that affect health insurance purchases from a customer perspective.","PeriodicalId":253597,"journal":{"name":"SIRN: Individual Health Insurance (Sub-Topic)","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2016-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126837290","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Building a Relationship between Medicaid, the Exchange and the Individual Insurance Market","authors":"S. Rosenbaum, T. Riley","doi":"10.2139/SSRN.2005783","DOIUrl":"https://doi.org/10.2139/SSRN.2005783","url":null,"abstract":"The alignment of Medicaid and State Health Insurance Exchange (Exchange) policy and practice is a basic tenet of the Patient Protection and Affordable Care Act (ACA). Through both legislative provisions and implementing regulations, the ACA addresses this relationship.1 At the same time, the federal framework provides states with considerable discretion to flesh out the fuller dimensions of system interaction.Even as the federal framework is still evolving, this report examines the practical and conceptual factors that underlie the federal/state relationship. It describes dimensions of collaboration that could help establish a seamless continuum of coverage for those who may move between eligibility for Medicaid or for tax subsidies in the Exchange. Proposed regulations outlining eligibility determination obligations of state Medicaid agencies and Exchanges have been issued. Still to appear are regulations defining essential health benefits, but sub-regulatory policies were issued in a special federal bulletin on December 16, 2011. These will define the scope of essential health benefits to be offered by Qualified Health Plans (QHPs)2, which in turn also will define the coverage obligations of Medicaid “benchmark” coverage for newly eligible persons.","PeriodicalId":253597,"journal":{"name":"SIRN: Individual Health Insurance (Sub-Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-01-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128960716","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Changing Role of the State in the Dutch Healthcare System","authors":"R. Götze","doi":"10.2139/ssrn.1715124","DOIUrl":"https://doi.org/10.2139/ssrn.1715124","url":null,"abstract":"This paper deals with the changing role of the state in the Dutch healthcare system. At the eve of the first oil crisis the Netherlands had a relatively compound healthcare system combining several characteristics of the three Western healthcare system types: National Health Service, social health insurance system, and private health insurance system. Comparative case-studies on OECD countries indicate a hybridization trend from relatively pure to mixed healthcare systems during the era of 'permanent austerity'. The adequate question is therefore, how and why the role of the state has changed in the relatively mixed Dutch social health insurance system. In order to approach this research question in a systematic way, we distinguish between three dimensions of the healthcare system: regulation, financing, and service provision. In the regulation dimension we observe an increasing state influence on coverage by an incremental socialization of the private sector. This progress culminated in 2006 in the merger of sickness funds and private health insurances into a functional social health insurance under private law. Since the early 1980s the state also directly intervened in the corporatist bargaining of providers and insurers in order to contain costs and regain global competiveness. At the beginning of the new millennium tight budgets resulting in long waiting lists were no longer accepted against the background of a booming economy. Instead, the role of competition increased through new opportunities and incentives for selective contracting between insurers and providers. Therefore, we observe a shift from corporatist self-regulation towards state-regulated market competition within the institutional framework of a social health insurance system. This ongoing reform process towards a welfare market for medical goods was supported by the main political parties on the left and right in order to enhance efficiency and safeguard solidarity.","PeriodicalId":253597,"journal":{"name":"SIRN: Individual Health Insurance (Sub-Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129260108","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}