A health microinsurance project can cover the following benefits under its plan of operation:
(1) Basic Health Care: Preventive health care, health education, immunization, family planning etc; part of curative care such as medical consultations, nursing care, medical care etc
(2) Hospital Treatment: Hospital accommodation, medical, surgical, technical expenses and medicines.
(3) Specialised Treatment: Includes consultations with specialist doctors (gynaecologists, paediatricians, surgeons, dentists etc) and medical interventions such as radiology and clinical biology, which are carried out either during hospitalisation or during an external consultation.
(4) Dental Care: Administered through dental clinics
(5) Medicines: Medicines under prescription
(6)Transportation: Transportation costs of bringing patients to health centres
(7) Other categories of health care coverage include paying a fixed rate for loss of compensation during the hospitalised period for the earning member of the family, maternity cash allowances, funeral allowances etc. However, it has been observed that these extra services require a large contribution from members.
Read about…what is health microinsurance?
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