Health Insurance is a type of insurance coverage policy that covers the cost of an insured individual’s medical treatment and more. In general, health insurance covers ambulance cost, pre-hospitalization expenses like consultation fees and medical tests, cost pertaining to hospitalization like diagnosis, room, surgery and other charges, and post-hospitalization charges like medicine, doctor visit and so on. There are mainly two kinds of health insurance such as private health insurance and public or government health insurance.
Nepal is a small landlocked country where social and topographical diversification stimulates periodic epidemics of natural hazards and infectious disease. In another side, the health condition is relatively poor in Nepal than other Asian countries with high infant mortality rates and low life expectancy (Bhatia, et al., 2009). Many people living in rural areas are having a health-related problem due to deforestation, unsafe drinking water, unplanned settlements and the establishment of agro-industry.
The price of medical service in Nepal is very expensive and when a person is admitted to the hospital he/she has to pay for medically prescribed expensive drugs and other various diagnostic tests. Paying off these expensive expenses will eventually drain one’s savings. In this scenario, health insurance protects people from the spectrum of disease by making their treatment affordable.
Nepalese constitution has guaranteed basic health care and equal access to health services as a fundamental right. Accordingly, the government of Nepal started insurance program in three districts (Kailali, Baglung, and Ilam) in the first phase for ensuring quality health care services (Mishra, Khanal, Karki, Kallestrup, & Enemark, 2015). Under his program, insured people can have access to preventive, curative and rehabilitative health services like psychological counseling, vaccination, nutrition, safe motherhood, family planning, and emergency and OPD services.
In conclusion, if the health insurance policy is furthered strengthened in Nepal then many people can get benefit from good medical services and get adequate Medicare without worrying of insufficiency.
References
Bhatia, M., Rannan-Eliya, R., Somanathan, A., Huq, M. N., Pande, B. R., & Chuluunzagd, B. (2009). Public Views Of Health System Issues In Four Asian Countries. Health Affairs, 28 (4).
Mishra, S. R., Khanal, P., Karki, D. K., Kallestrup, P., & Enemark, U. (2015). National health insurance policy in Nepal: challenges for implementation. Global Health Action, 8 .
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Health Insurance is a type of insurance coverage policy that covers the cost of an insured individual’s medical treatment and more. In general, health insurance covers ambulance cost, pre-hospitalization expenses like consultation fees and medical tests, cost pertaining to hospitalization like diagnosis, room, surgery and other charges, and post-hospitalization charges like medicine, doctor visit and so on. There are mainly two kinds of health insurance such as private health insurance and public or government health insurance.
Nepal is a small landlocked country where social and topographical diversification stimulates periodic epidemics of natural hazards and infectious disease. In another side, the health condition is relatively poor in Nepal than other Asian countries with high infant mortality rates and low life expectancy (Bhatia, et al., 2009). Many people living in rural areas are having a health-related problem due to deforestation, unsafe drinking water, unplanned settlements and the establishment of agro-industry.
The price of medical service in Nepal is very expensive and when a person is admitted to the hospital he/she has to pay for medically prescribed expensive drugs and other various diagnostic tests. Paying off these expensive expenses will eventually drain one’s savings. In this scenario, health insurance protects people from the spectrum of disease by making their treatment affordable.
Nepalese constitution has guaranteed basic health care and equal access to health services as a fundamental right. Accordingly, the government of Nepal started insurance program in three districts (Kailali, Baglung, and Ilam) in the first phase for ensuring quality health care services (Mishra, Khanal, Karki, Kallestrup, & Enemark, 2015). Under his program, insured people can have access to preventive, curative and rehabilitative health services like psychological counseling, vaccination, nutrition, safe motherhood, family planning, and emergency and OPD services.
In conclusion, if the health insurance policy is furthered strengthened in Nepal then many people can get benefit from good medical services and get adequate Medicare without worrying of insufficiency.
References
Bhatia, M., Rannan-Eliya, R., Somanathan, A., Huq, M. N., Pande, B. R., & Chuluunzagd, B. (2009). Public Views Of Health System Issues In Four Asian Countries. Health Affairs, 28 (4).
Mishra, S. R., Khanal, P., Karki, D. K., Kallestrup, P., & Enemark, U. (2015). National health insurance policy in Nepal: challenges for implementation. Global Health Action, 8 .