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首页> 外文期刊>Journal of health management >Private Health Insurance in India: Evaluating Emerging Business Models
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Private Health Insurance in India: Evaluating Emerging Business Models

机译:印度私人健康保险:评估新兴商业模式

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Health care in India is severely underfunded and neither the Government nor the common citizen has the financial ability to pay for quality medical care. Given this situation, private health insurance should have a wide acceptance in the market and play a significant role in meeting the health care funding shortfalls. But in reality, the sector has been mired in restrictive regulations and outdated business models and continues to operate under losses, in an unsustainable mode. Consequently, the health insurance industry needs to retook their business models and evaluate emerging concepts in health care that can help correct the imbalance and help the industry operate in an effective manner. Some of the models which the health insurers need to evaluate are the managed care model, integrated model and the accountable care model (ACM). These models will help the health insurers address the core issues of health care costs and quality management and help the sector respond to the industry challenges. Although, these models have been in use in other countries, Indian health insurers need to factor in the local context and ensure that models work effectively for all stake holders and successfully meet the country's health care challenges.
机译:印度的医疗保健严重不足,政府和普通公民都没有支付优质医疗费用的财务能力。鉴于这种情况,私人健康保险应在市场上广泛接受,并在满足医疗保健资金短缺方面发挥重要作用。但实际上,该部门已在限制性规定和过时的商业模式下造成,并继续在不可持续模式下损失运作。因此,健康保险业需要在医疗保健中评估他们的商业模式,并可以帮助纠正不平衡,帮助行业以有效的方式运作。健康保险公司需要评估的一些模型是托管护理模型,综合模型和负责任的护理模型(ACM)。这些型号将有助于卫生保险公司解决医疗保健成本和质量管理的核心问题,并帮助该部门对行业挑战作出反应。虽然,这些模型已在其他国家使用,但印度卫生保险公司需要考虑到当地背景,并确保模型有效地为所有股权持有人工作,并成功地满足该国的医疗保健挑战。

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