With a country having as large a population as India, it is almost a given that the healthcare system is inefficient and sick across many degrees and levels. There are many roadblocks as well essential imperfections that would not translate well with the entire scope of the country under the available capital and infrastructure in the country. The effective management of healthcare professionals across many different roles and duties would indicate a requirement that is well above and beyond what is predicted to be the perfect allotment across a single and undulating system in and of itself. Medical insurance policies in India are similarly riddled with imperfections that might attribute why such a large section of the population is living without it. However, this might be also attributed to the trickle-down economy, which essentially a great and uncharted levels of poverty and imperfect knowledge about the service that could be derived from healthcare in an effective and transparent manner.
Most people do not even have an idea of what a health insurance calculator is, alongside its many functionalities. This makes many independent and unregulated insurance activities taking place on behalf of the insurance providers, most of which are barely regulated in terms of the lack of policies and laws being implemented amongst a population as large as this. The stunted development in many rural areas also results in facilities and technologies being antediluvian across the entire spectrum. However, there is still hope; with the aid of a number of institutions and the large array of healthcare resources, it is predicted that healthcare could most certainly improve, but only if these specific measures and steps are followed by the entire country as a whole.
1. Increase in the spending of healthcare
Many experts and individuals concerned with healthcare has noted and reported that the overall spending across the entire system encompassing the healthcare resources are nowhere near the mark as it should be. So, it is obvious that the government should increase the spending over healthcare from the 1% that is being done at present to at least 2.5% in order to be able to provide at least any semblance of basic healthcare for the entire spectrum of the population. Only then, would there be any meaningful changes would be observed across the entire length and breadth of the country. This would, of course, mean a better system wherein health insurance in India, in addition to many other benefits as well as services to which the common populace just did not have any access to.
2. Tax induced payments instead of fees
User fees generally do not induce payment for the system in and of itself, and this is attributable to the lower income groups do not generally ask for services even if the fees associated are low and economical in many respects than one. Usage of taxes for the payment of effective services might prove to be a great solution as on one side, the personnel and organizations associated with healthcare are paid up until a fixed upper limit, which would be acceptable across all the aspects, but the population would not have to pay for it except for the general set of taxes that are already being collected across the board. Moreover, such a system would intrinsically go out and seek healthcare, thus, freeing up the extremely stagnant and redundant health insurance in India for the purpose of its proper functioning.
3. Increasing the spending on primary care
The funds that are in excess should not just go into the impossible large healthcare system, but could also be used to improve the level of primary healthcare on a uniform basis. More often than not, it has been observed that the urban and more intensely populated areas like the cities and metropolitan cities have greater availability of basic healthcare and prevention cities. As such, it is no wonder that the average life expectancy factors are higher in such areas as compared to the more remote location where getting even the primary modes of health and medication services would be accompanied with a great difficulty and/or limited amount of resources. Primary care generally indicates that it would not require a very high level of medical certification or knowledge for its appropriate implementation, and increasing the intrinsic levels of such services would greatly facilitate the overall improvement of the healthcare system.
4. Developing a public health service across the entire country
This essentially points to the essential requirements of India with respect to the fact that the population does not require more doctors and nurses, but a much wider range of healthcare professionals who could essentially be divided across a number of levels. This would not only facilitate in bringing down the costs with regards to the entire country, but it would also mean a more effective management of the overall health of the country. One could even say that it would facilitate a greater opportunities for the entities dealing with the effective implementation of health insurance in India being focused against a number of levels, instead of a more encompassing and costly approach.
5. Increased and cheap availability of drugs and medicines
It has already been established that many pharmaceutical giants charge a much larger figure for the essential and commonplace drugs that just do not justify the amount of being revenue passing through the industry on an almost daily basis. This results in the many health insurance calculators provided by many businesses in the financial sectors to have a skewed result that do not generally include cost of drugs and medicines that are especially true in the health case that might affect any particular individual. Actually, the cost of drugs are perhaps the most concerning and costly factor influencing any particular individual to not go and seek out essential healthcare for one’s own health.
6. A change in attitude
A general lack of resources and opportunities across the rural countryside of the entire country do not generally motivate in many of the healthcare professionals to seek out job opportunities in such areas. This is also a motivating factor that greatly influences the lack of resources as well as availability of poor healthcare infrastructure among the traditionally downtrodden and disenfranchised section of the society, which, in fact, comprises a majority under all circumstances.
7. Building programs for building confidence amongst the people
Essentially speaking, a large part of the population in India is essentially disenfranchised from an economic and social standpoint that has carried over through the reception of the entire healthcare system. This is especially true amongst the lower rungs of the society, who generally view seeking out healthcare as a burden upon their respective daily lives. For instance, the general outlook towards health insurance in India is a sense of extreme distrust, which many view would not be of any use at times when they might need it the most. The government, in association with the entire healthcare and educational system, needs to change the viewpoint as soon as possible.
8. Promoting public-private partnerships across the entire system
In spite of some notable instances when the public and privately owned medical institutions have come together to provide that has since proved to be successful, it is nowhere near the circumstances that would indicate a dissemination of such partnerships across multiple layers of the system in effect. This would become more apparent if the privately owned health insurance agencies would come together alongside the government to create a centralized and uniform health insurance premium calculator, which would inherently benefit the entire population as a whole.
9. Increased focus upon counselling and psychologists
The experts and many assessment organizations are not behind India is significantly behind the rest of the world in terms of their healthcare system, in spite of being one of the fastest growing economies in the entire world. This fact is made more apparent that apart from the leading and extremely costly medical institutions spread throughout the entire country have the effective personnel and infrastructure that would facilitate and promote the need for maintaining the emotional and psychological balance unto one’s own health. It has been proved that mental health is most certainly one of the greatest contributors for the chemical imbalance within one’s body that could affect the one’s very constitution in the long run.
10. An effective feedback mechanism
Many systems across the entire country, as a whole, suffer from the problem that they are too focused upon solving a particular issue without going in-depth towards the roots that are actually causing it. This leads to a greater sense of confusion and fragmentation amongst the minds of the general public who feel that the powers that be do not just care. Thus, an effective feedback system is most certainly required, especially in the case of an effective and functioning health insurance plans in India.
As one can easily see, these effective factors and calls to action would span across the entire length and breadth of the country, not only in terms of geography but on the effective scale of the population as well. Thus, it is extremely important and essential for the powers that be as to what should be exactly done in order to improve the overall healthcare system in the country consequently.
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