Obamacare India Alliance is aimed at realizing Prime Minister Narendra Modi goal of Universal Healthcare for all Indian; by leveraging the Obamacare model.
2. Obamacare India Alliance has been established to implement
Prime Minister NarendraModi'svision of Healthcare for All,
by leveraging President Obama path-breaking Obamacare model,
by adapting it to Indian requirements.
MISSION
3. Membership
Membership of Obamacare India Alliance is open to:
1. Insurance Companies
2. TPAs
3. Healthcare providers
4. Institutions, Government departments
5. Professionals
5. Universal Health Insurance
Obamacare India Alliance aims to achieve Universal Health Insurance coverage for all Indian, with following benefits:
I. Affordable, Fair Health Insurance Premiums - Premium variation based on age to be within 3:1 ratio for adults.
II.GuaranteedAvailability, Renewability of Coverage (including PreExistingmedical conditions for all)
III.MedicalLoss Ratio -Insurance companies need to pay a minimum of 80% of premium collected, towards healthcare claims, preventive / wellness, or towards healthcare quality improvement.
6. Essential Health Benefits
All health insurance plans will provide coverage of below 10 essential health benefits. 1. Outpatient care2. Hospitalization3. Laboratory Services4. Emergency Care5. PediatricCare6. Mental Health7. Maternity and NewbornCare8. Rehabilitative and HabilitativeServices9. Pharmaceutical Benefits10. Preventive and Wellness Services
7. Health Credit Card
Allcustomers,dependentfamilymemberswillbeprovidedaHealthCreditCardwithPreApprovalforentirevalueofHealthInsuranceSumInsured. Thiswillprovidespeedy,hassle- freeaccesstohealthcare.
8. Health Exchange
A pan-India Health Exchange will be established to provide following facilities:
1. Telemedicine -Free Primary Care consultation on Telephone, Video, 24 x 7, 365 days
2. Dynamic / Auction pricing for elective hospitalisation, procedures. Bid from consumers; offers from doctors, clinics, hospitals.
3. Free Specialist 2nd Opinion
4. Electronic Medical Records for all
5. Free Health Risk Assessment
6. Healthcare Bluebook with uniform prices, tariffs (Hospital grade-wise) for all medical procedures.