...SYNOPSIS TOPIC “Study of consumer awareness and perception towards health insurance portability.” INTRODUCTION Healthcare Insurance Market in India is unique and has a strong growth potential than the other insurance markets. Life insurance includes all risks related to the lives of human beings. IRDA (Insurance Regulatory and Development Authority) allowed to the customer to change their insurance company in case of dissatisfaction with company. Health insurance portability gives the flexibility to the customer and increase the fair competition among companies. The concept of Portability is new in India so the awareness and perception towards portability of customers depends on several factors. The study covers all the fundamental aspects of awareness and customer preference towards healthcare insurance portability in India. The objective of this study is therefore to examine some of the influences such as consumer awareness and enthusiasm, the role of social influences like advertising, services provided by company, groups and family in affecting consumer’s perception and evaluations of health insurance. RATIONALE OF STUDY • The main logic behind doing this study is that the concept of Health insurance portability is new in India so the awareness of that is not measure till now. • The second rationale of the study is that there are certain reason to influence the customer to change their service provider. • Another rationale of study is to understand the...
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...It will provide the health insurance planning overview, general information regarding the organization, the existing group health insurance plan which provided by the employer (LHDNM), background of study, the problem statement, research objective, research question, hypothesis, and scope of study, limitation of study, significance of study and definition of terms. Firstly, the title of the research is “The Study on the Factors Influencing The Purchasing Behavior of Personal Health Insurance among The Inland Revenue Board of Malaysia‟s (LHDNM) Staff”. There are general overviews of the personal health insurance planning and the background of the organization. After that the researcher will discuss about the background of study, problem statement, research objective and research questions. Besides, the researcher will state hypothesis of the relationship between three independent variables. Then the researcher will attach the scope of study and limitation of study. The next part is the significant of the study and definition of term. 1 1.1 About health insurance planning Health insurance, like other forms of insurance, is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. The collective is usually publicly owned or else is organized on a non-profit basis for the members of the pool, though in some countries health insurance pools may also be managed...
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...IJDDR Awareness of National Health Insurance Scheme (NHIS) activities among employees of a Nigerian University * Adibe M.O., Udeogaranya P.O and Ubaka C.M Department of Clinical Pharmacy and Pharmacy Management, Faculty of Pharmaceutical Sciences, University of Nigeria, Nsukka (410101), Enugu State, Nigeria. FULL Length Research Paper Covered in Index Copernicus with IC Value 4.68 for 2010 Abstract Aim: Aim of this study was to assess the level of awareness of NHIS activities among employees of a Nigerian university. Methods: The study was conducted among the employees of University of Nigeria, Nsukka. A 30-question consisting of 5 points response scale was developed for the survey questionnaire. On the 5-point scale, ‘5’ represented the highest mean score while ‘1’ represented the lowest mean score. On the 30-question questionnaire the lowest possible score would be 30 while the highest possible score would be 150. Total awareness mean score above a logical neutral point which was assumed to be 90 i.e. midpoint between 30 and 150, correlates with being aware and vice versa. Levels of awareness were categorised priori: summated mean awareness scores below 90 were considered to be unaware, ‘>90 to 110’ - marginally aware, ‘> 110 to 130’ - moderately aware, and ‘> 130 to 150’ - highly aware of NHIS activities, since high summated score correlates with high level of awareness. Results: A response rate of 87.2% (436 out of 500 questionnaires) was obtained. Awareness was...
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...INTRODUCTION Health insurance is fast emerging as an important mechanism to finance health care needs of the people. Healthcare Insurance Market in India is unique and has a strong growth potential than the other insurance markets. Life insurance includes all risks related to the lives of human beings. IRDA (Insurance Regulatory and Development Authority) allowed to the customer to change their insurance company in case of dissatisfaction with company. Health insurance portability gives the flexibility to the customer and increase the fair competition among companies. The concept of Portability is new in India so the awareness and perception towards portability of customers depends on several factors. The study covers all the fundamental aspects of awareness and customer preference towards healthcare insurance portability in India. The objective of this study is therefore to examine some of the influences such as consumer awareness and enthusiasm, the role of social influences like advertising, services provided by company, groups and family in affecting consumer’s perception and evaluations of health insurance. The need for an insurance system that works on the basic principle of pooling of risks of unexpected costs of persons falling ill and needing hospitalization by charging premium from a wider population base of the same community. In the present scenario the annual expenditure on health in India amounts to about $7.00 in rural areas and $10.00 in urban areas...
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...Health Insurance Needs, Awareness and Assessment in the Bahraich District, Uttar Pradesh JANUARY 2008 This publication was produced for review by the United States Agency for International Development. It was prepared by Constella Futures, New Delhi ITAP is a three-year project funded by United States Agency for International Development under Contract No. GPO-1-01-0400015-00 beginning April 1, 2005_ The project is being implemented by Constella Futures in partnership with Bearing Point, Sibley International, Johns Hopkins University, QED, Urban Institute and Association of Reproductive Health Professionals (ARHP). For further information contact: Constella Futures 1 D-11, Parkwood Estates Rao Tula RamMarg New Delhi 1100 022 Health Insurance Needs, Awareness and Assessment in the Bahraich District, Uttar Pradesh JANUARY 2008 The authors' views expreseed in this publication do not necessarily reflect the views of the United States Agency for International Development or the United States Government Contents List of Tables List of Figures List of Abbreviations Executive Summary Chapter 1: Background and Methodology .......................................................... 1.1 Introduction... 1.2 Objectives of the Study ................................. 1.3 Study Design and Methodology ....................................................................... 1.3.1 Sampling and Sample 1.3.2 Study techniques ..............................................
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...Note: The paper emphasizes on the role of all the stake holders of the health insurance industry, with particular focus on Policyholders perceptions on Health insurance based on household survey. The Burgeoning Indian Health Insurance Industry: ……...Yet miles to go!!! By *V. Jayalakshmi (M.Phil, LLB, FIIII(Non-Life)) __________________________________________________________________ * Assistant Professor, Siva Sivani Institute of Management, Kompally, Secunderabad, Andhra Pradesh, India. Pursuing Ph D from Osmania University, jayalakshmi@ssim.ac.in *This paper was presented at the National Seminar on Health Insurance “A Decade of Experience: Health Care Insurance… Present Scenario”, in Hyderabad on 24th January, 2012. The Burgeoning Indian Health Insurance Industry: ……...Yet miles to go!!! Introduction Health insurance has become one of the fastest growing segments in the non-life insurance industry in India in the recent years, experiencing a robust sixty per cent remarkable growth during 2007 – 08 over the past year. From a modest premium volume of Rs. 675 crore in 2001- 02 the health insurance premium has grown to Rs. 7803 crores in year 2009-2010, and is poised to grow at a compound annual growth rate (CAGR) of 25 to 30 per cent to reach a market size of around Rs 28,000 crore by financial year (FY) 2015 as per IRDA estimates. This segment is also emerging...
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...Healthcare Spending HCS/440 February 19th 2015 Colleen Murphy According to NCSL.ORG (2015) On Jan. 6, 2014, Health Affairs journal distributed the most recent provided details regarding healthcare services spending in the United States, as accumulated by the Office of the Actuary at the Centers for Medicare and Medicaid Services (CMS). They report that this spending developed at a rate of 3.7 percent in 2012 to $2.8 trillion. The level of yearly development is like spending development rates following 2009, which expanded between 3.6 percent and 3.8 percent every year. This implies that development amid each of the four years has happened at the slowest rates ever recorded in the fifty-three-year history of the National Health Expenditure Accounts. Complete human services spending in 2012 became more gradually than did the Gross Domestic Product (GDP), which implies that the offer of the economy gave to social insurance fell somewhat from its 2011 level of 17.3 percent to 17.2 percent in 2012. In spite of the fact that the Affordable Care Act had an insignificant effect on total wellbeing spending through 2012, few procurements kept on influencing certain subcomponents of national wellbeing uses, for example, expanded Medicaid discounts for physician endorsed medications, the Medicare drug scope crevice ("donut opening") rebate program, scope for wards under age twenty-six, and the base restorative misfortune proportion procurement (which obliges back up plans to spend...
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...Health Care Museum I. ATTENTION: Everyday, on the news, we always hear the US helping other nations fight for the liberty that they deserve. We see the US roaming the globe to feed the hungry. We see the US send out it's best doctors to attend the needy countries. America's mission towards other countries are very noble to be questioned, but what about the welfare of its own citizens? For years, the US is facing a medical emergency and as of today, the federal government hasn't enacted a long lasting and viable solution to the problem. There is no need to use medical or economic jargon to explain to an average American what the problem really is, as it is very evident. Individuals are paying more than the benefits that they receive. And to make the matter worse, the recession in the US economy is causing dramatic numbers of Americans be uninsured. The crisis affects greatly the unemployed and low-paid workers. The price of health insurance nowadays are just too high that it threatens to eat up even the everyday necessities of an average individual. As a matter of fact, according to the World Health Organization (WHO) the US health care system ranks 37th in the world behind Colombia and Portugal despite the fact that US health care system is the most expensive in the planet with expenses all drawn to administrative costs and advertising. Therefore, we are paying for a massive, inefficient. All of us are affected by this. No one is exempted. Effects may not be felt...
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...HEALTH CARE CAN BE HEALTHY Discrimination, the economy and the health care are all topical issues on everyone lips these days. However, since the health care system has a significant effect on us whether we are the consumer - the patient or the producer- the health service provider; and especially this topic has been buzzing in the air lately, I will offer solutions as how to address the unhealthy issue of our health care system.. It would be remiss of me not highlight, that to generate solutions, the cause of problems must be carefully identified, analyzed and prioritized. The problems are many and compounded. Likewise, the solutions to better the health care system are varied and complex. Nonetheless health care is of paramount importance not only because the health care costs take a heavy chunk of the USA Gross Domestic Product and no other costs measure closely to this. Solutions will include several committed and patient stakeholders at the helm; and some element of risk to effect the change and transition. Firstly, a recommendation is a need to make health insurance affordable and accessible to all. There are too many horror stories of people perishing because of lack or limited health insurance. Already the current government is making a transition to reform the health care system provide the public with affordable insurance. A debatable move, but health care should be a public good and the onus should be on any government to invest and commit to healthcare. It works...
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...Access Access to adequate health care is very important factor in our health delivery plan. Every citizen regardless of economic status or location should be afforded the true definition of health access which is the ability to obtain affordable, convenient, acceptable, and effective personal health services in a timely matter. (Singh, 2008) As it stands today, the availability of health care is not equal for all. “Certain population groups in the United State face greater challenges then than the general population in accessing timely and needed health care services.” (Singh, 2008, p. 428) Being able to have access to adequate health care is the key factor of whether a not a person is able to maintain a healthy lifestyle. We believe that by expanding access to rural areas, promoting freestanding clinics and urgent care centers, and integrating public and private sector insurance to facilitate competition are steps in the right direction to ensure adequate access to all. Over the years there has been a major increase in physicians. “Current numbers far surpass the estimated 145 to 185 physicians per 100,000 populations that the United States actually needs.” (Singh, 2008, p. 129) these physicians are not being equally distributed throughout the health care system evenly. "Although all Americans are affected by problems with our health care delivery system, an overwhelming body of evidence demonstrates that certain populations are significantly...
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...The debate about health care involves issues concerning the right to have healthcare insurance as well as those 65 and older, obesity epidemic, smoking and how each of these topics affects health care in the United States. The number of people with health insurance has steadily increased among with the elderly, who face additional challenges when it comes to seeking health care. The projected increase of Americans classified as obese or who smoke has also had an impact on our health care system. The rising cost of health care and health insurance will have a great impact on the future of the economy. Today’s health care system is increasingly complex regarding cost-controlling measures and the affordability of insurance premiums. The...
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...responsibilities relate to areas such as Health and Safety, the provision of Terms and Conditions of Employment, Equal Opportunities and the right to be paid a Minimum Wage. The Health and Safety at Work Acts set out responsibilities and rights for both employees and employers. Employees are expected to carry out their work in a way that has regard to the safety of others. Employers are expected to abide by a range of requirements governing such aspects as providing safe machinery and equipment, carrying out regular health and safety checks, ensuring the training of employees in health and safety issues, and carrying out a risk assessment to assess the dangers of particular work activities. There are also specific regulations about the way in which potentially harmful substances should be used and stored. There are a number of requirements about the minimum temperature at work, and other aspects of working conditions. P5- Explain the key features of employer and employee Relations and welfare What is employment welfare? Employee welfare is a term including various services, benefits and facilities offered to employees by the employers. The welfare measures need not be monetary but in any kind/forms. This includes items such as allowances, housing, transportation, medical insurance and food. Employee welfare also includes monitoring of working conditions, creation of industrial harmony through infrastructure for health, industrial relations and insurance against disease, accident and...
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...Introduction The saying health is wealth has different meanings. It could mean that healthy people have less medical expenses or that people treasure good health more than money. The goal of a healthy lifestyle is to have a long life and remain disease or cancer free. The United States of America is known as a developed nation and people would assume that it provides its citizens with equal and an adequate medical care. According to the World Health Organization (WHO), “America spent more on health care per capita ($8,608) and more on health care as a percentage of its GDP (17.2%), than any other nation in 2011.” This means that the US puts a lot of emphasis on their healthcare compared to any other country in the world. But the reality is the Commonwealth Fund, a private American foundation, ranked the United States of America last in the quality of healthcare compared to the world in 2014. Also, America is ranked as one of the most expensive healthcare providers in the world. The US was compared to countries like Australia, Canada, United Kingdom, France, Germany, Netherlands, New Zealand, Sweden and Switzerland. The rankings prove that the American healthcare system is indeed facing many issues. Some of the major issues are accessibility of healthcare to all, lack of consolidation within the industry, deficiency in technology, lack of data availability and lastly, over dependence on medications by healthcare professionals such as doctors. The issue highlighted in this...
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...Narayana Hrudayalaya Heart Hospital Aryaman Thakker, FSLE IV, 28627 Narayana Hrudayalaya Heart Hospital Aryaman Thakker, FSLE IV, 28627...
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...Culture: How It Is Related to Health Grand Canyon University Family Centered Health Promotion NRS-429V Shauna Wise September 7, 2014 Culture: How It Is Related to Health As nurses we encounter people every day from a variety of cultures, in healthcare our understanding of each patient’s cultural values will help guide us in providing care that is individualized and respectful while at the same time providing evidence based care that is safe for our patients. To provide culturally competent care to patients nurses must be aware of their own culture before they can be aware of others cultures, each culture views health, wellness, illness and healthcare workers in a different light (Edelman, Kudzma, & Mandle, 2014, Chapter 2). One assessment tool that can be useful for a nurse to gain an understanding of a patient’s culture or heritage is the Heritage Assessment Tool (Spector, 2000), an assessment was completed on 3 families from different cultures. Each family’s culture views health maintenance, health protection and health restoration in a different way. The first family that the assessment was completed for was a family that is from Mexico and all the family is from Mexico, some have moved to America while there are others that have stayed in Mexico. Mexican culture is strongly influenced by family and religion, for health maintenance, protection and restoration they rely on practices of the old ways that are performed by curanderos, spiritualists, yerbero’s and...
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