As any other type of insurance is, the health insurance is one where people put in their risks collectively so as to prevent the expenses that they would otherwise have to incur in case of adverse physical situations. Now that technology has started to be used so extensively in a more advanced manner than ever before, the people are more prone to spending in medical. The reason for the same is that every new technology that comes into play is also attached with a physical calamity. For example, when the mobile phones were introduces, the users were highly satisfied with the improvement in the communication facilities in the world. But, we all know the adverse effects that it has on the hearts of human beings. Under such circumstances, when the people take the best of precautions in order to prevent any illness, there are still chances for passive entries of sickness into our bodies. This leaves us to the conclusion that the health-conscious people would better take to certain health insurance policies before it gets too late. But, as the number of people who are health conscious is increasing so incessantly these days, the access to the insurance policies introduced by both private and public sectors has become rather very difficult. These conditions have been compared between India and UAE. It certainly needs remedies so that it can address the increasing the demands of the customers. The subsequent section first addresses the problems in UAE and this will be followed by that in India and finally a comparison will be made. (HEALTH INSURANCE FOR THE POOR IN INDIA, 2004)
As far as the health insurance law is concerned, UAE has finalized the Health Authority for the Emirate of Abu Dhabi to take care of the health insurance system of the nation. All the legal matters of the country with respect to health insurance need to be reported to this body in order to resolve them. But as it has been reported, the conditions have not been all that suitable for the country. The system is totally unqualified in terms of success. There have been insurance benefits to those who are already insured, but the problem lies in the fact that the accessibility has not been for all. Hence, there certainly are a number of issues that have to be addressed so as to serve as a remedy over the situation.
The first of the problems in accessibility is that the insurance service providers are required to have a business presence in the capital city of the country. Now, for all those customers who would otherwise be comfortable by getting the policy from their known ones have to face huge accessibility problems. Many a times, these health insurance providers have to face the strictness of the federal laws. The reason for the same is that there hardly exists any reason for them to have commerce availability in the capital city. This imposes an extra amount of cost on the companies. As a result of this, to get a policy becomes all the more difficult for the customers. In this era of increment in the prices of almost everything that we need to have, one can't afford an increment in the prices of health insurance as well. So, even the outsourcing channels for the companies are closed and where there could be better facilities for the customers, we are still left with only the obsolete ones.
Another basic problem in being able to access the facilities of health insurance, is the lack of flexibility with respect to the benefits that the insurance companies offer. There are many types of insurance benefits where the companies are not able to provide the facility of self insurance. This can be in the form of maternity care as well. In this case, the people who are on the average of a higher income as compared to the common mass suffer a lot. The reason for the same is that had they been allowed a considerable degree of flexibility in their mode of attaining the benefits of the health insurance schemes, they could be able to enjoy the ultimate aim of the scheme to an even larger extent. At the moment it feels as though in the future they would quit the system because of having limited access.
One of the major accessibility issues in the country is that the people find it extremely difficult to adapt to the policies that are set by the international companies in UAE. The reason for the same is that, the requirements for the benefits given by these companies are also very huge. Now, as these companies have been providing these policies worldwide without any hindrances of this sort, UAE stands as a very small market. Hence, there are vey initiatives that are taken by the foreign companies to invest even further and fulfil the requirements to provide for the benefits. Overall, the end-customers are the ones who face the accessibility problems. Once again, it throws light on the restrictions and constraints that UAE law has put up on companies so as to make it difficult for the common mass to enjoy the benefit of insurance policies especially in this era where everybody's health is a major issue.
Once again, as far as the current organization culture is concerned, almost every employee has started to think on individual terms as far as the non-office duties are concerned. The reason for the same is that there is such a lot of team work involved that people feel that for the extra-office works they should be individual. Now, as most of the people in the country are now in the working class, this tendency can even be generalized. Under the conditions, the UAE law has made it extremely easy to take up the group insurance policies where as the individual health insurance are available at very high costs. So, this again has made accessibility a difficult job. (Thornton, 2007)
As far as India is concerned, firstly one must understand the various reasons because of which health insurance has become a necessity. These have been mentioned as follows:
- The increment in the costs of health care.
- Extra amount of financial burden on a large percentage of poor in the country.
- Insufficiency in the nursing care for senior citizens in the long run.
- Insufficiency in funding which has made it difficult for the insurance companies to come up with attracting health insurance policies.
Now let's have a look at the issues that are related to the accessibility of health insurance in the country. The first of these is the lack of data availability. This has made the costs of treatment variable. Under the conditions, it becomes very difficult for the customers to decide as to what policy he should take and to what amount he should invest in the same. This is a drawback as far as accessibility is concerned. Even the problems that are related to standardization is also becoming prominent, because of which the best service provider remain eluded from the customers. Also, in this context, there have been numerous delays in the processing of the health insurance facilities in the country. This has made the perceptions of the customers negative and along with this; it has also made it difficult for other seekers to adapt to the insurance policies.
The second and the most important aspect of the accessibility issues in Indian health insurance systems is that the country has a high range of lack of affordability. As a result of this, the penetration of health care facilities is very shallow and many cities that are a part of the tier two and tier three cities get very little access of the same. In fact the conditions in the rural sector are even worse. The people believe that they are already deficient as far as economic conditions are concerned, where in the world they would get the money from to cater to the expensive health insurance policies. (Chandrasekar, 2009)
Conclusion and Recommendations
One can now compare the conditions in both UAE and India as far as accessibility to the health insurance facilities is concerned. Talking about UAE, the country has complexities mainly in the administration because of which it has become difficult for the health insurance companies to shower their benefits. These need to be made liberal so that the customers can take advantage of the health insurance facilities. The problems are more associated with the companies than with the customers directly. But unfortunately, the people have to face the consequences of this policy of the administration. Coming on to India, the basic problem lies in the per capita income of the people. The people below poverty level are so much that they can't avail the advantages of the health insurance policies. Even the channelization is not proper for the companies because of the low income. So, the Government of the country must find sources of increasing the per capita income especially in the rural areas so as to make the country more health insured.
- Health Insurance for the Poor in India. (2004). Retrieved on April 12, 2010 from http://docs.google.com/viewer?a=v&q=cache:7uXyZqJJ-kcJ:www.icrier.org/pdf/wp123.pdf+Health+Insurance+System+in+India&hl=en&gl=in&pid=bl&srcid=ADGEESggEMqyYhOVN1Cxj8-Ahoph54I8XA7avGPshrBkZfRfjXb815IzJ4iPgzsoOqdbxg5Z9vOj2MYGVUDWVoKoB0qiLOrjPtgC-hpogNZ44GpQjb007T69cNtFfHCGMuRE14nboxuF&sig=AHIEtbTtKje2AXh-caOUfiXyu3Rvu9d2Bw
- Jones, Wayne & Thornton, Alfred. (2007). The Abu Dhabi health insurance scheme - one year on, Retrieved on April 12, 2010 from http://www.clydeco.com/knowledge/articles/the-abu-dhabi-health-insurance-scheme-one-year-on.cfm
- Challenges in Health Insurance in India. (2009). Retrieved on April 12, 2010 from http://ezinearticles.com/?Various-UAEs-Health-Insurance-Plans&id=2777480