High on e-governance, cashless insurance scheme sets example for other states
New Year brought a lot of cheer to the Punjabi community. Those working with the government were given the privilege of cashless health insurance scheme from January 1. In just about 50 days after the scheme was launched, more than 4 lakh employees and pensioners have been benefited.
Under the scheme the employees and pensioners can enjoy the facility of cashless treatment for diseases requiring day care when a patient is admitted in a hospital for at least a day. Besides those availing OPD services to the tune of less than Rs 3 lakh for each family annually.
Making a stronger health sector is always important and implementation of the said scheme has also helped in setting an example in securing the health of government employees.
This initiative is again for the first time in the country and is also a step towards effective e-governance. With developing IT Sector, there is need to modernize governmental procedures, which is evident from the cashless insurance scheme under which e-cards have been given for enrollment.
The scheme is in sync with the centre’s will to implement such schemes in other states as well and is already in discussion with states like Karnataka, Tamil Nadu and Gujarat. If it gets through the Aadhar cards will be put to use for bio metric identification of citizens and Jan Dhan Bank accounts and mobile phones will be made use of for funds transfer.
Health Schemes: Need of the hour
As per a media report (http://goo.gl/5KfxDk) health insurance is the need of the hour as there has been a spurt in lifestyle related diseases. It adds that over 60 million Indians will be suffering from diabetes and there has been an increase in cardiovascular procedures.
A ‘smart’ move for a smarter state
The employees can download a mobile app called ‘PGEPHIS’ which furnishes them with all relevant information on their smartphones. It’s a revolutionary application as the beneficiaries can on their handheld devices not only get information about the scheme, but can also find out which are the em paneled hospitals and pharmacies. Those availing the same will be able to even know about their claims. To make it user friendly the beneficiaries are sent a link to this App through SMS.
The scheme also provides for the best treatment as hospitals like Fortis, Mohali, Amritsar and Ludhiana is already providing treatment to those enrolled under the scheme. Hospitals like Max in Bathinda, Ivy Hospital, Gracian Hospital and Mayo Hospital in Mohali besides Grewal Eye Hospital in Chandigarh have been roped in.
While the state has already processed claims worth Rs 2.69 crores, it plans to come up with an effective mechanism which ensures proper feedback on implementation of the scheme. Workshops are planned to make people aware of the scheme and also clear if they have any queries. The scheme besides benefiting its beneficiaries has also brought laurels to the state for making it user-friendly and technologically advanced.