National Health Insurance - National Health Insurance Plan

National Health Insurance:

National Health Insurance Plan caters to the insurance needs of individuals or a group of individuals on a co-operative basis. National Insurance covers all the citizens in the country under a policy which is financed by paid taxes. Under this policy, the people insured will be required to pay a part of the treatment expenses. Under this national scheme, people are treated on a case- by- case basis on availability of resources. This national system of insurance is covered by statutes under federal law and covers almost all if not all citizens of the country. Usually the terms of such a huge scale policy are decided by a national committee.

The US has a well developed system of national health insurance with a highly efficient network of operations. Most of these Schemes are administered by a few chosen registered insurance companies in the US. This insurance is usually inclusive of medical and paramedical services. A standardized basket of services as pre-determined are offered under each category. The people insured under such a national health insurance plan are usually assigned to certain licensed medical insurance in the country. They are given a choice of medical health care providers to avail of health care if the necessity arises. This insurance option is financed by tax payments, premiums, budget allocations from the Ministry of Health etc. Such a National scheme ensures a balanced insurance network and more equitable access to health care facilities.

With more than 39 million Americans completely uninsured and with health care costs steeply on the raise, a national health insurance plan could provide the answers to the country's protection zone. More so the rapidly raising premiums, workers and unions facing cutbacks in coverage, governments comforting deficits all lead to large number of citizens not opting for an insurance policy. The type of national insurance for health would create a single tax-funded comprehensive insurer in each state. All will be fully insured for all medical services. The insurance would dispense all payments and central administrative costs by law to less than 3% of total health care spending. Thus it will help in solving the Cost-Vs. - Access conflict by slashing bureaucratic waste. It will ensure the patients a free choice of doctors and hospital. Thus the program is sure to help the destitute. But it is bound to face stiff opposition from insurance companies.

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