Inclusion of Covid-19 in Medical Health Insurance


WHERE IS INDIA LACKING: DISABILITY AND HEALTH LAWS INTRODUCTION All individual personalities in the world are born free and are equal in dignity in rights however the people that have a condition with incapacity all over the world including India experience Human Rights Violation and varied discrimination as compared to the normal ones. According to the census of 2011 in India, out of the overall population of 121 crore, among all the 121 crore, there are around 2.60 crore persons in India that comes below the class of disables that is around 2.2% of the entire population of the country and majority of the those that comes below the class of Disabled are residing in the rural areas. because of the condition, most of the disabled usually have lower education, lives in a higher poverty scenario and a way poorer health conditions as compared to the normal person. These persons are considered as one of the marginalized groups all over the world and they have the same kind of health needs as needed by the normal person as they experience a narrow health margin in context of a normal persons and is more vulnerable to these kind of health problems but the problem is as in the Sustainable Development Goals assign a huge priority to prevent and overcoming disability and in current Union Budget of 2020- 2021 has allotted a large amount of cash i.e. 9500 crore towards senior citizens and person with disabilities however still India is lacking in implementing of the policies concerning the disabilities. Health insurance is the product that covers medical associated surgical expenses of an insured party. It reimburses the expenses that are incurred due to health problem or injury. The full body check-up is done of the person before signing of the medical insurance form. By these tests, the insurance companies unable to provide candidates with the foremost suitable cover, as these tests bring the attention of any existing medical conditions and sicknesses. Due to the fast increase of coronavirus cases, varied insurance claims are filed that cover the expenses that arise within the treatment. varied insurance companies have additionally begin with “Coronavirus health insurance Policy” that is particularly for the treatment of the coronavirus. Some private health insurers had already created voluntary changes in their coverage to deal with services related to COVID-19. DISABILITY AND HEALTH CARE ISSUES Disability refers to the disadvantage or restrictions of activity caused by the manner society is organized that takes very little or no account of individuals who have physical, sensory or mental impairments. As a result, such individuals are excluded and prevented from taking part absolutely on equal terms in mainstream society. Legal incapacity is outlined as the absence of legal capability to do certain acts or enjoy certain legal rights. The World Health Organization speaks of disability as any kind of impairment that limits one’s physical and mental activity like birth defect or brain disease. it is an interaction between persons with health condition and negative surroundings sometimes mental or personal. About 15% of the global population has some kind of disability, of varying degrees, and are more likely to not get any access to health care services, living their lives with unmet healthcare needs. There are two main reasons why there has been a hike in disability among people- Increasing population ageing and Increase in chronic diseases. The statistics went on to state that almost 35-50 per cent of individuals in developed nations and 76-85 % of individuals in developing nations had unmet health care needs in 2017. This was even after Article 25 of the UN Convention on the Rights of Persons with Disabilities reinforcing the requirement to create health care accessible to the disabled without discrimination. LEGAL PROVISIONS Indian legal system is known for its ‘welfare’ nature because of its foundation being the principles of justice, equity and good conscience. The Indian constitution has three pillars which, if righteously applied, work for the people in terms of their right to access and make good of all the medical facilities available-equality, justice and liberty. • Right to Healthcare under Article 21: Article 21 speaks that no individual should be deprived of his personal liberty and has the right to protect his or her life. Access to medical facilities is important for one to maintain his or her body and keep them functioning. Therefore, the right to health care is an integral a part of Article 21 and anyone violating which will be punished. • Rights of Persons with Disabilities Act, 2016: There were some improvements regarding mental health of India which can be seen however the act has a obscure stance for families with mentally sick members as a result of their mental illness doesn't fall under the ambit of 21 forms of disabilities listed under the Act. The Act doesn't offer something relating to the requirement for ‘care workers’ who are more like professional babysitters for the mentally ‘sick’ not disabled. • The National Medical Commission Act, 2019: This Act stresses the requirement to teach those pursuing the medical profession and the equal access of extremely trained skilled medical practitioners to push community health perspective through equitable and universal services at a reasonable rate all across the country. • Indian Medical Council (Amendment) laws, 2020 with regard to Telemedicine guidelines: This change was specifically created to fulfil the door-to-door medical services accessible at affordable service charges through channels supervised by a Registered medical practitioner. It was made to fulfil the medical needs in remotely placed regions through proper chains of transportation. CONCLUSION If we see India has tried well within the sector of Disabled persons and have good legal framework relating to the Disabled as already mentioned in this article above but one among the most reason because of that the India is lacking behind within the field of Health laws for Disables is the poor Implementation of Such policies within the country but still it is rising bit by bit and will be created much more quicker. There ought to be Preventive health programs created at an early young age rather being late in screening the same person. Secondly, there should be a proper implementation of schemes ought to be ensured and for the same purpose there ought to be proper monitoring mechanisms and accountability of public funds. Current health care system of India isn't efficient and therefore led to ineffectiveness as polices that are introduced are good however the implementation is inflicting the most problem and that we are affected by a shortage of infrastructure development and specialists in this area leading to deterioration of the standard of life and health care for the unsound and Disable person. To strengthen the position of the Disabled as Governments will do these things to drastically improve health outcomes for individuals suffering with incapacity by just improving access to good quality, cheap health care services which might create the optimum utilization of accessible resources.

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