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ASSIGNME
NT
O
N
Health insurance
in India
(INSURA
NCE
LAW)
1|Page
Submitted to:
Jagadeesh Chandra T G
Submitted
by:
Abhishek
Barwal
Reg No-
13A004
TH
8
SEMESTER,
TH
4 YEAR
2|Page
ACKNOWLEDGEMENT
Firstly, I would like to thank the Insurance law Subject Faculty, Jagadeesh Chandra
for showing his belief in me and considering me potent enough to carry out the
research methodology, and thereby assigning the said topic to me. In fact without his
continuous exemplary guidance and worm- view criticism the project could never
have reached its current stature. Thus I extend a sincere heart-felt thanks to My
Preceptor Jagadeesh Chandra - the ever helping Faculty of GUJARAT NATIONAL
LAW UNIVERSITY.
Method of Research:
The researcher has adopted a doctrinal as well as non-doctrinal method of research.
The researcher has made extensive use of the library at the Gujarat National Law
University and also the internet sources as well as interacted with the general mass of
society.
Chapterisation
I have divided the project into various chapters. Each dealing with different aspects
of the topic. In the initial chapters, I have discussed elaborately, the meaning of Health
Insurance. Further, I have elaborate different provisions and lastly; I have concluded
the topic by summarizing the highlighting aspects of the Health Insurance in India.
Sources of Information
The researcher has relied on secondary sources for the purposes of this project such as
books, articles.
Style of writing
The researcher has adopted a descriptive and analytical style of writing for the
purposes of this research paper.
Mode of citation
A uniform mode of citation has been followed throughout the course of this project.
TABLE OF CONTENTS
INTRODUCTION
HEALTH EXPENDITURE
CONCLUSION
BIBLIOGRAPHY
Introduction
When health is absent, wisdom cannot reveal itself, art cannot manifest,
strength cannot fight, wealth becomes useless, and intelligence cannot
be applied. Herophilus
1
Allen D. Spiegel, Hammurabi's Managed Health
Care Circa 1700 B.C. available at
http://www.managedcaremag.com/archives/9705/970
5.hammurabi.shtml (last accessed on 15th February,
2014) 2 See New world Encylopedia, available at
www.newworldencyclopedia.org/entry/Health (last
accessed on 15th February, 2014)
to develop what would become the predecessors
to modern health insurance plans, or fee-based
3
contracts.
.
7 Pablo Enrique Gottret & George Schieber, Health
Financing Revisted; A practioners Guide (World Bank,
2006)
8 See Section 2 (9) of Indian Insurance Act, 1938
Health
expenditur
e
Overview of
Different
Countries
13 See http://www.nhsdirect.nhs.uk/About
HEALTH
INSURANCE
SCENARIO IN
INDIA
19
See http://www.who.int/countries/ind/en/
Due to underfunding of government health
care, preventive and primary care and public
health functions have been neglected
20
Guidelines on Standardization in Health Insurance,
available at
http://www.policyholder.gov.in/uploads/CEDocument
s/Guidelines%20on%20Standardization%20in
%20Health %20Insurance.pdf (Last accessed on 20th
February, 2014)
21
Anirudh Laskar ,Irda issues guidelines to
standardize health insurance, Live Mint and The Wall
Street Journal, 21 February, 2013
that the health Insurance Policy could be
extended for life time and can be renewed except
the customized one. Insurer is mandated to set
claim within 30 days of application of claim by
the insured. In order to end the confusion
regarding critical illness among the insurer
Guideline 2, of the IRDA health insurance
recommendation have introduced 11
standardized definitions for inclusion in every
health policy in its Annexure II.
Suggestions
and
Conclusion
Websites Referred :-
https://www.ssrn.com/
www.legalserviceindia.com
www.timesofindia.indiatimes.com
www.slideshare.net