With the advent of personal computers, the Internet and social media, and as technology has become nearly ubiquitously entrenched in many societies across the globe, we’ve likely all experienced some form of “hello, world” moment. As a result, people are now realising the importance of health insurance too,” said Chopra.Used as a display output for basic computer programming, many have come to associate the phrase “hello, world” with introductory forays into the digital world. “PMJJBY and PMSBY have increased awareness about insurance and deepened penetration. “Instead of funding hospitals, the government is looking at financing healthcare needs, giving greater freedom of choice to individuals,” said Mahavir Chopra, head, health, accident and life insurance,. Industry-watchers believe it will be modelled on the lines of the twin insurance schemes rolled out last year. It also remains to be seen whether the government will fund the premium or ask policyholders to share a part of the burden. However, the exact contours of the scheme, including income eligibility, medical underwriting, coverage for pre-existing illnesses and cashless network, are yet to be spelt out. “The proposal for additional cover for senior citizens will help reduce the burden of healthcare expenditure for the aged," said Sandeep Patel, MD and CEO, Cigna TTK Health Insurance. Most insurance companies either deny health policies to senior citizens or charge prohibitively high premiums. Senior citizens who are most vulnerable to ailments and resultant hospitalisation will stand to benefit from the scheme, provided the scheme follows a lenient underwriting policy. “Catastrophic health events are the single most important cause of unforeseen out-of-pocket expenditure which pushes lakhs of households below the poverty line every year,” Jaitley noted during his Budget speech. Reports of such an all-encompassing scheme have been doing the rounds since the success of the government-promoted Pradhan Mantri Jeevan Jyoti Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY).
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