According to Ayushman Bharat chief Indu Bhushan, 28 states have so far come on board for the implementation of the National Health Protection Scheme (NHPS). The remaining eight states including Kerala and Orissa are yet to give their approval for its implementation. Since most states in the country are implementing the scheme on a trust-based model, the role of insurance companies is very limited in this programme.
In an interview to CNBC-TV18, Indu Bhusan stated that all but six states enrolled in this scheme will be adopting the trust-based model for implementation. Dr. Bhushan also noted that the government is currently testing the three-layer Information Technology (IT) system of the scheme.
The government has received applications from about 7,400 hospitals for hospital empanelment. Also, the government has provided its approval for around 25,000 wellness centers located in different parts of the country.
Under the trust-based model, the state government will form a trust with the premium amount received from the Centre. This trust will provide the settlement whenever there is a claim made by policyholders.
Some states like Tamil Nadu, West Bengal, Gujarat, etc., will be adopting the hybrid model wherein a small amount of Rs.50,000 per family is bought from insurance companies. The remaining coverage will be provided under the trust model.
The ambitious Ayushman Bharat scheme was announced during the previous budget session by Finance Minister Arun Jaitley. Under the programme, each family will get coverage worth Rs.5 lakh on a family floater basis. This scheme aims to cover nearly 50 crore individuals belonging to 10 crore families in the country.
It is widely expected that Prime Minister Narendra Modi will launch the scheme on August 15 while giving his Independence Day speech at the Red Fort. However, certain media reports indicate that the scheme may not be launched on August 15 since eight states are yet to provide their approval. These reports note that the Prime Minister may only share the timeline of its launch during Independence Day.
Source: Financial Express