The budget announcement laid it on thick. The National Health Protection Scheme (NHPS), or what the government has chosen to call Modicare, will soon provide health insurance with an annual cover of Rs 5 lakh ($7,813) for 100 million poor families. The scheme’s ambition did not just become living room conversation, it also turned heads in insurance companies’ boardrooms. Consider this. The health insurance industry underwrote premiums worth Rs 30,392 crore ($4.7 billion) in 2016-17, and if the NHPS delivers, it would add policies worth another Rs 30,000 crore ($4.7 billion), approximately. In a single shot.


Ruhi Kandhari

Ruhi writes on the impact of healthcare policies, trends in the healthcare sector and developments on the implementation of Electronic Health Records in India. She has an M. Sc. in Development Studies from the London School of Economics.

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