Each of the beneficiaries is insured up to an amount of Rs. 1.5 lakh
Now, the families that fall under Below Poverty Line category in Mahe and Yanam will be able to benefit from the same micro-insurance scheme that is being used in Karaikal. This will enable the poor families to avail cashless treatment at a number of private hospitals in and around the region.
The scheme introduced in Karaikal in 2011 was started as a trial measure and has benefited over 200 patients in two years. On Monday, the Puducherry government signed a Memorandum of Understanding (MoU) with New India Assurance Company Ltd for Mahe and Yanam.
Through this scheme, the insurance agency – through a third party insurer, Medi Assist – conducts camps at the government hospitals in various regions. People requiring specialist care will be identified during the camps and they will then be referred to private hospitals to receive specialised care , an official of the Health Department said.
These camps have been taking place in Mahe and Yanam since January, and so far 20 persons have been identified in Yanam and two have started their procedures. In Mahe, four people have been identified for further treatment.
“Each of the beneficiaries is insured up to an amount of Rs. 1.5 lakh for speciality care in private hospitals,” the official said.
Once the beneficiaries are identified at the camp, they can undergo treatment in one of the many hospitals that are covered under the scheme. For people who are identified as emergency cases, they are admitted immediately, while the others are put on a waiting list.
The premium amount is Rs. 1,068 per BPL family and is borne by the Puducherry government. Through this insurance scheme, people of Karaikal have access to 72 hospitals in Puducherry, Nagapattinam, Chennai, Cuddalore, Thanjavur, Thiruvarur, Tiruchi and Villupuram. The beneficiaries in Yanam can go to 14 private hospitals in Amalapuram and Kakinada, while the people in Mahe can go to 10 hospitals in Thalassery and Kakinada, the official said.
Earlier, the Yanam region was covered by an insurance scheme by Reliance Insurance, which was scrapped because of its ineffectiveness, health officials said.