Health Insurance to Soon Cover Gram Panchayats

The Insurance Regulatory and Development Authority of India (IRDAI) has directed all general insurance companies to extend health insurance to Gram Panchayats, bringing medical coverage to the grassroots levels. This new mandate will come into effect in FY 2024-25 and will help IRDAI to achieve its ‘Insurance for All by 2047’ objective.

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      GIC to Designate Gram Panchayats to Each Insurer

      According to IRDAI, in consultation with the Ministry of Panchayati Raj, the General Insurance Council will designate the minimum number of Gram Panchayats to every health insurance provider based on mutually agreed parameters like market share. The insurers can then identify the allotted Gram Panchayats in a state(s).

      The insurance regulator has also instructed general insurers to work closely with the various Gram Sarpanchs and Gram Sachivalyas. It has also mandated them to set up a mechanism to identify, coordinate, record and exchange information on the number of people covered by general insurers in each Gram Panchayat.

      Moreover, IRDAI has also directed insurance companies to establish dedicated procedures for operations and create provisions to set up a mechanism for quarterly reviews. Doing so will enable all stakeholders to monitor progress regularly and collaborate effectively, thereby ensuring health insurance penetration at grassroots levels.

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