Gambhir Ramandeep S, Malhi Ravneet, Khosla Saru, Singh Rina, Bhardwaj Arvind, Kumar Mandeep
Department of Public Health Dentistry, BRS Dental College and Hospital, Panchkula, Haryana, India.
Department of Periodontology, DJ College of Dental Sciences and Research, Modinagar, Uttar Pradesh, India.
J Family Med Prim Care. 2019 Mar;8(3):788-792. doi: 10.4103/jfmpc.jfmpc_101_19.
There has been a growth of 25% in the health insurance business in India during the last few years with the expansion of the private health insurance sector. The share of the private health insurance companies has increased considerably, despite the fact that from the patients' point of view, health insurance is not a good deal.
To provide information and assess the current status of private sector insurance with regard to out-patient coverage in India.
The present review was conducted after doing extensive literature search of peer review journals in Pubmed and various search engines like Google. Data of Indian private health insurance companies was also utilized. No limitation in terms of publication date and language was considered. The main focus of the present review would be on the private health insurance sector with a spotlight on the out-patient coverage and various obstacles faced by the private health insurance sector.
Out-patient (OPD) coverage is one of the important emerging trends in the private sector health insurance. OPD cover assists the insured to claim expenses other than that incurred during hospitalization. However, it is still not a full-fledged offering under health insurance and major insurance companies are providing this cover for an additional premium.
Private is strongly being advocated and receiving growing consideration by our country's policy makers that can deal with alarming health care challenges in India. However, it is not the only option.
在过去几年中，随着印度私营健康保险部门的扩张，该国健康保险业务增长了25%。尽管从患者的角度来看，健康保险并非是一笔划算的交易，但私营健康保险公司的份额仍大幅增加。
提供信息并评估印度私营部门保险在门诊覆盖方面的现状。
本综述是在对PubMed上的同行评审期刊以及谷歌等各种搜索引擎进行广泛文献检索后进行的。还利用了印度私营健康保险公司的数据。未考虑出版日期和语言方面的限制。本综述的主要重点将是私营健康保险部门，特别关注门诊覆盖情况以及私营健康保险部门面临的各种障碍。
门诊覆盖是私营部门健康保险中一个重要的新兴趋势。门诊保险有助于被保险人报销住院期间以外产生的费用。然而，它在健康保险中仍不是一项成熟的服务，主要保险公司提供此项保险需额外收费。
私营保险受到我国政策制定者的大力倡导并得到越来越多的关注，它能够应对印度令人担忧的医疗保健挑战。然而，它并非唯一选择。
