The Insurance Regulatory and Development Authority (Irda) is talking to various state governments in a bid to bring their social health insurance schemes under its supervision. State governments that have implemented the schemes for people living below the poverty line include Andhra Pradesh, Haryana and Tamil Nadu.

Irda member R Kannan said while the states’ schemes have helped increase the penetration of health insurance in the country to 15 per cent, they are not regulated and managed. “There is no single agency to monitor the claim settlement and no proper records maintained in these schemes,” he said, adding the schemes couldn’t be replicated as there is no case study justifying their success.

Similarly, the Andhra Pradesh government introduced insurance cover for the people living BPL. So far, the government had insured 65 million people in the state.

The governments of Haryana and Andhra Pradesh awarded their respective schemes to Chennai-based health insurance company Star Health and Allied Insurance Company.

From the Andhra Pradesh government alone, the insurer is getting Rs 350 crore in premium. Recently, the Tamil Nadu government announced the ‘Chief Minister Kalaignar’s Insurance Scheme for Life Saving Treatments’, which is likely to be launched in June this year. The government has allocated Rs 200 crore for premium payment for the proposed health insurance scheme, which would cover people living BPL.

The Tamil Nadu government’s scheme would enable around 10 million people living under poverty line to receive free specialist treatment up to Rs 1 lakh for 51 life threatening diseases. The premium would be paid by the government itself. Government has invited tenders from the insurance companies to implement this scheme.

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