11 | Too little allocation for ABNHPM | Allocation can be increased to meet the demands of the healthcare needs of people. Government is committed to increase public health expenditure to 2.5% of GDP and must not shy away from increasing allocation. |
22 | Too little coverage at Rs. 5 lakh per family per year | It is quite possible that Rs. 5 lakhs/family/year might prove to be less in case of prolonged hospitalization. While the limit of Rs. 5 lakh/family/year has been determined after studying average hospitalization expenses there must be means to provide higher coverage for a small percentage of families who might need it. |
33 | Inadequate package rates | Package rates can evolve in close consultation with the private sector and must be customized to differential rates in urban and rural areas. The government can use this mechanism to standardize rates, cap excess profits by private sector and make healthcare affordable. |
44 | No protection for OPD or medicine expenditure | ABNHPM must evolve to increasingly include OPD and medicine expenses. Improving medicine quality and making generic medicines more accessible must be part of the strategy. |
55 | Lack of preparation before launching ABNHPM | Government must rectify shortcomings of ABNHPM after launch in a quick manner to make up for the lack of preparation before launching ABNHPM. |
66 | Lack of public health infrastructure, work force, quality | This will be an ongoing task. However, presence of ABNHPM, with its additional injection of funds, might prove to be a catalyst that leads to improvement in public health quantity and quality. Continued increase and improvement of health workforce is also a necessary part of this. |
77 | Insurance frauds, excessive diagnostics and interventions by private sector, overcharging etc. | Effective regulation (coupled with price control) in all states of ABNHPM will be essential in preventing insurance frauds and malpractice by the private sector and keeping healthcare affordable |