Health Care is very essential, especially for the very young and the elderly. However, health care is very costly and can be brought into the reach of all, only through a properly designed universal coverage insurance programme as the more inclusive the programme the lower the individual premium.
What is most important is that for the programme to work without the distortion introduced by purely commercial considerations by the health service providers, the programme should never be FREE, except to the very poor who are so designated by committees formed at each medical facility levels to be provided reasonable care. All others must be required to co-pay, say ten percent. Costs for accommodation, procedures and medicines can be standardized at various levels. To avoid impractical claims for extra facilities and care, riders on premium should be insisted on.
Prevention is better than cure –‘Swatch Bharat’ and other community care programmes must be encouraged by the Government. Health care is essential and must be provided to all at realistic levels – Demand for extraordinary care for all is idealistic, not practical and unreasonable .Proper Regulations to prevent misuse –Standardized costs for procedures, implants and generic medicines.