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While the middle class has benefited from the entry of the private health insurance companies the real challenge is to enhance access to healthcare for the poorer sections of the population through health insurance. The healthcare insurance companies in the public or in the private sector cannot take up this challenge because the poorer sections (30 crore of BPL population) does not have the capacity to pay the premium at rates required to run the programme on a commercial basis. A health insurance programme, which covers the BPL categories, will also give the choice to the population in these categories to turn to the healthcare providers in the private sector. In order to make the implementation of such a programme feasible it would be necessary to introduce a smart card system for the beneficiaries. Such a scheme will not only benefit the poorer sections but also private healthcare service providers, whose business will expand.
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