Combating Diseases & Accidents

Non-Communicable Diseases

Non-communicable diseases such as cardiovascular diseases and cervical cancer are now the major cause of death and disability worldwide, according to World Health Organization (WHO, 2005).

TNHSP has identified cardiovascular diseases and cervical cancer as two of the most significant threats to the people of Tamilnadu and launched programmes designed to counter the growing threat they represent.

Cardiovascular Diseases - Awareness and Screening

In countries such as India, the projected death rates from cardiovascular diseases would be much higher than the death rate caused by communicable diseases. In Tamil Nadu, the crude mortality death rate due to CVD is highest in the country, about 360-430/100,000.

Statistics for Tamilnadu, from a survey of people above 30 years of age, indicate that:

• 20 per cent adults have hypertension
• 30 per cent have diabetes mellitus
• 10 per cent have heart disease

In response to this challenge, the TNHSP's programme on prevention and treatment of  cardiovascular diseases seeks to deliver the following:

• Create awareness about cardiovascular diseases and their pre-disposing factors
• Foster lifestyle changes in higher risk groups
• Reinforce the message to sustain such changes through out their lives

Cervical Cancer and Breast Cancer - Awareness and Screening

Tamilnadu Amma Kapitu Thitam for Comprehensive Emergency Obstetric and New born Care (CEmONC) Services

Introduction

Analysis of the maternal and infant mortality data revealed that 75% of maternal deaths occured during intra partum and post partum and 25% occured in antepartum. One common issue was that of referral. When the hospital where the pregnant woman accessed for care did not have adequate facilities, she had to be referred to another hospital elsewhere. Covering the distance between two hospitals at such a critical stage could prove fatal, as it was usually the complicated cases that were referred to other hospitals especially in the rural areas. Hence, it was decided to strengthen the obstetric and new born services in the hospitals which led to the creation of the ‘Comprehensive Emergency Obstetric and Neonatal Care’ Centres.

Establishment of CEmONC Centres

In September 2004, a Government Order was passed to establish CEmONC Centres in the State. During Phase 1, 66 Centres were established (52 project hospitals and 14 tertiary care centres) such that the travel time was reduced to approximately an hour. In Phase 2, 32 Centres were established and in Phase 3, 27 centres were established.

Salient Features of CEmONC Centres

The CEmONC Centre is equipped with both the manpower and the infrastructure required to care for the mother and the new born. Round the clock, the centre has Obstetricians, Paediatricians, Doctors, Staff Nurses, lab technicians, and support staff on duty and Anesthetists on call.

Intensive inputs were provided, in terms of training and physical infrastructure, to ensure quality care.

TamilNadu Chief Minister's Comprehensive Health Insurance Scheme for Tribal Health Care

Tribal Healthcare

Introduction

• Tribals constitute around one per cent of Tamil Nadu’s population
• Tribals are settled mostly in 12 districts. They are spread in 2860 villages located in 63 blocks
• A total of 173 PHCs and 611 health centers serve this population
• Tribal communities have not enjoyed adequate healthcare services - inaccessibility and cultural factors are the main causes

As one of the main aims of the Tamil Nadu Health Systems Project is to increase access to quality healthcare for poor and disadvantaged people, the Project undertook the task of improving healthcare services to tribal communities in Tamil Nadu.

Laying the foundation for better tribal healthcare

Adopting a systematic approach in tackling the challenge of providing healthcare services to tribal communities, initially, a tribal development plan was created. This plan was based on consultations with members of tribal communities, non-governmental organizations, and tribal development consultants. The plan was also influenced by studies done on burden of diseases involving the tribal communities, and health seeking behavior of tribal communities.

As a result of this plan, TNHSP undertook six interventions, including:

TamilNadu Chief Minister's Comprehensive Health Insurance Scheme Latest Updates

Introduction

Quality healthcare comes at a cost that is unaffordable for the economically weaker sections of society. One way to address this is to provide free healthcare in Government hospitals. But sometimes treatment is not possible at district and sub-district hospitals. Furthermore, the demand for advanced healthcare leads to long waitlists for emergency and life saving surgeries. To address these challenges and ensure availability of advanced healthcare, the Government of Tamilnadu introduced a scheme called the “Chief Minister Kalaignar Insurance Scheme for life saving treatments” on 23rd July 2009. This scheme is for the poorest of the poor/low income/unorganised groups who cannot afford costly treatment, as a supplementary facility for getting free treatment in empanelled Government and private hospitals for such serious ailments.

Chief Minister's Comprehensive Health Insurance Scheme

On January 11, 2012, the Chief Minister's Comprehensive Health Insurance Scheme aimed at benefiting 1.34 crore families was launched.

Eligibility

Any family whose annual income is Rs.72,000/- or less, members of unorganised labour welfare boards, and the spouse, children and dependent parents of such members in urban and rural areas are eligible. All Government servants, civil pensioners, ESI beneficiaries and families having an annual income of more than Rs. 72,000 /- but not members of any unorganised sectors welfare boards are not eligible under this scheme.

Needs Covered

Latest Tamilnadu government health insurance scheme for pensioners

The New Health Insurance Scheme for Tamil Nadu Government Pensioners (including Spouse) / Family Pensioners will provide cashless health insurance coverage to all the Pensioners (including spouse) / Family Pensioners whose pension including provisional pension is paid out of the Consolidated Fund of Tamil Nadu and who draw their pension / family pension either directly from the Pension Pay Office, Chennai / District Treasury / Sub-Treasury through Banks under Pension Pilot Scheme or directly from Banks under Public Sector Bank Scheme.

Toll free Number : 1800 233 5544
Details More : https://tnnhis2014.com/TnHome.aspx

Tamilnadu government health insurance scheme for pensioners,
tamil nadu new health insurance scheme 2015,
tamil nadu new health insurance scheme 2016,
new health insurance scheme for pensioners 2015 form,
new health insurance scheme for pensioners hospital list,
new health insurance scheme for pensioners (including spouse)/ family pensioners 2014,

Amma kapitu thittam - SALIENT FEATURES OF THE SCHEME

SALIENT FEATURES OF THE SCHEME

Click here for Tamil version

Click Here to download the instruction booklet

THE SCHEME

This is a lofty Insurance Scheme launched by the Tamil Nadu State Government through the United India Insurance Company Ltd (a Public Sector Insurer headquartered at Chennai) to provide free medical and surgical treatment in Government and Private hospitals to the members of any family whose annual family income is less than Rs.72,000/- (as certified by the Village Administrative Officers) .The Scheme provides coverage for meeting all expenses relating to hospitalization of beneficiary as defined in the Scope of the Scheme.

BENEFITS

TAMILNADU HEALTH SYSTEM PROJECTS - DEPARTMENT OF HEALTH AND FAMILY WELFARE

Project Overview

Tamil Nadu is ranked among the high-performing States in India, in the area of human development. The State is noted for its low mortality rates and effective healthcare services. The State has a long track record of innovations in the health sector. It has pioneered many new approaches to enhance effective access to quality health care at low financial costs. Over the last few decades, healthcare in the state of Tamil Nadu has improved significantly, with more people having increased access to medical care. There is a strong commitment to high performance in the health sector.

Despite the speedy progress and development, the State continues to face challenges in the healthcare sector that need to be dealt with in a phased and systematic manner. The broad areas that need addressing are

• Coping with non-communicable diseases (NCD)
• Providing the highest quality of healthcare 
• Resolving equity-related issues
• Having an effective health financing system

Health Policy of 2003 

Chief Minister's Comprehensive Health Insurance Scheme - Tamilnadu

Introduction

Quality healthcare comes at a cost that is unaffordable for the economically weaker sections of society. One way to address this is to provide free healthcare in Government hospitals. But sometimes treatment is not possible at district and sub-district hospitals. Furthermore, the demand for advanced healthcare leads to long waitlists for emergency and life saving surgeries. To address these challenges and ensure availability of advanced healthcare, the Government of Tamilnadu introduced a scheme called the “Chief Minister Kalaignar Insurance Scheme for life saving treatments” on 23rd July 2009. This scheme is for the poorest of the poor/low income/unorganised groups who cannot afford costly treatment, as a supplementary facility for getting free treatment in empanelled Government and private hospitals for such serious ailments.

Chief Minister's Comprehensive Health Insurance Scheme

On January 11, 2012, the Chief Minister's Comprehensive Health Insurance Scheme aimed at benefiting 1.34 crore families was launched.

Eligibility

Tamilnadu Chief Minister's Comprehensive Health Insurance Scheme - SALIENT FEATURES OF THE SCHEME 2015

SALIENT FEATURES OF THE SCHEME

THE SCHEME

This is a lofty Insurance Scheme launched by the Tamil Nadu State Government through the United India Insurance Company Ltd (a Public Sector Insurer headquartered at Chennai) to provide free medical and surgical treatment in Government and Private hospitals to the members of any family whose annual family income is less than Rs.72,000/- (as certified by the Village Administrative Officers) .The Scheme provides coverage for meeting all expenses relating to hospitalization of beneficiary as defined in the Scope of the Scheme.

BENEFITS

The scheme seeks to provide cashless hospitalisation facility for certain specified ailments/ procedures. The scheme provides a coverage up to Rs.1,00,000/- per family per year on a floater basis for the ailments and procedures covered under the Annexure "C".
For certain specified ailments and procedures of critical nature, which are listed under Annexure "D" in the Scheme, the overall limit is increased from Rs.1,00,000/- to Rs.1,50,000/-

There are 2 other covers other than the hospitalisation benefits under Annexure "C" & "D" available under the Scheme. They are a) Follow-up Treatment as listed under Annexure "E"& b) Additional Diagnostic procedures listed under Annexure "F"

AVAILING THE BENEFITS

Free health camps / screening camps will be conducted by network hospitals as per the directions given by Project Director of Tamil Nadu Health Systems Society. Minimum of one camp per month per empanelled hospital will be held in the districts in each policy year. The persons who need treatment are identified in the Health camps. Such patients can approach the hospital in the network and follow the guidelines below:

1. A new Health Insurance identity card with biometrics is being issued to all those members who have been holding the smart cards in the earlier scheme. Till such time new cards are issued the public can use the earlier smart (Health) cards
2. This card should be shown at the Assistance Counter established at the empanelled hospital.
3. After due verification of the details and authenticating the identity of the patient by the Liaison Officer, the necessary Pre-authorisation request for cashless facility will be submitted by the DMO of the hospital.
4. The Project Office will approve the request on authentication of the identity and provided the procedure planned is within the Scheme

Even those patients who have the smart cards, though not identified through the Health Camps can also avail the benefit as above

HELPLINE

A 24 hour Call Centre has been set up at CMCHISTN Project Office with sufficient manpower with toll free help line. The Toll Free Number is 1800 425 3993. The Toll Free Line is competent to answer the query in Tamil.

திட்டத்தின் சிறப்பம்சங்கள்

Tamilnadu Chief Minister's Comprehensive Health Insurance Scheme Eligibility 2015

Eligibility 
இக்காப்பிட்டுத்திட்டம் ஏழை எளிய குடும்பங்களுக்கு ஆண்டு வருவாய் 72,000/க்கு கீழ் உள்ளவர்கள் பயன் பெரும் வகையில் செயல்படுத்தப்படுகிறது. இந்த வருமானத்திற்கு உரிய வருமானச் சான்று அருகில் உள்ள கிராம நிர்வாக அலுவலரிடமிருந்து உரிய பரிசீலனைக்குப்பிறகு பெற்றுக்கொள்ளலாம் இந்தத் திட்டத்தின்கீழ் தரமான அறுவை மற்றும் மருத்துவ சிகிச்சைப் பதிவு பெற்ற தனியார் மற்றும் அரசு மருத்துவமனைகளில் பெற்றுக் கொள்ள வழிவகை செய்யப்பட்டுள்ளது.

Tamilnadu Chief Minister's Comprehensive Health Insurance Scheme 2015

Every member of a family whose annual family income is less than Rs.72,000/- as certified by Village Administrative Officer and such other person who may be declared to be eligible for coverage under the "Chief Minister's Comprehensive Health Insurance Scheme" by the Government will be "Eligible Persons" under the Scheme.

Important words in Insurance

S.No	Important Words	SUMMARY
1	proposer	A person who requests to buy a policy for self, spouse or child.
2	Proposal form	This is a form to be filled by person who wishes to take a policy. (all a person in whose name policy is taken.
3	Policy holder	A person in whose name policy is taken.
4	Premium	Amount to buy a policy or installment. (Annually, semi annually, quarterly, monthly (ECS-electronic clearing system)
5	agent	Intermediate between company & policy holder. (one who sells policies on commission basis)
6	insurer	Insurance company who sells policy & also gives money (SA/maturity) at the end of the period.
7	contract	Agreement between company& policy holder. (one giving & one taking)
8	nominee	A person who receives the money on death of the life insured
9	rider	It can be taken along with normal policy for extra benefits (WOP, CI AD &D, SC, HC)
10	Sum assured	The limit of the policy amount. (risk amount- sum at risk)
11	claim	Payment of sum assured on death or maturity.
12	Risk/peril/hazard	Risk- chance of damage of loss, peril- event which might cause a loss, hazard- conditions that a peril would happen.
13	Coroner (investigator)	A person who investigates in case of death cases.
14	Medical referee	Panel of doctors who are appointed for medical checkups. (not company employee)
15	underwriter	He is a company employee who decides to give the policy or not

THE FACT-FIND AND FINANCIAL PLANNING

M9: THE FACT-FIND AND FINANCIAL PLANNING

Ø  What is a fact- find?

o   Identify a client’s financial planning needs;

o   Quantity them; and

o   Prioritize them based on the resources available for investment.

Ø  A fact-find shows the current financial position of the person, where they stand today and their anticipated future changes

Ø  A fact-find indentifies a client’s financial planning needs and points towards those needs that are the priority for the client.

Ø  Objectives of a fact find are as  follows:

o   Identifying needs

o   Gathering client data

o   Analyzing client cash flows and

o   Providing for anticipated changes

Ø  Identifying needs: the prime objective fact-finding is to identify client needs in the areas of:’

o   Protection

o   Savings

o    Investment

o   Health insurance

Ø  Gathering client data: this requires

o   Knowledge of the personal details of each client, their dependants, finances and employment status.

o   Existing health and life insurances and any existing pension provision.

o   An understanding of the client’s personal aims, desires and objectives for the future.

o   An important fact finding objective is to find out the disposable income.

IDENTIFYING CLIENT NEEDS

M8: IDENTIFYING CLIENT NEEDS

Ø  Childhood: two basic needs for parents are

o   Secure their children’s financial position, if they themselves die prematurely; and

o   Provide for their children’s future expenses such as for higher education, marriage and living expenses.

Ø  Young unmarried:  young unmarried with no-dependents-

o   Low protection need as there are no dependents.

o   Ned to invest any surplus income and earn high returns gains priority.

Ø  Young unmarried: young unmarried with dependents-

o   The family will be adversely affected if the young person dies prematurely.

o   Needs to protect their income.

Ø  Young married: double income family-

o   Financial dependency on one person is reduced.

o   Such couples are also commonly known as double income no kids (dink) couples

o   Loss of income due to the death of any partner needs to be compensated.

o   An individual term life insurance plan for both partners is suitable at this stage.

Ø  Young married: single income family-

o   Savings are likely to be lower than for the double income family-

o   Income protection assumes priority over other needs.

Ø  Young married: young married with children: double income family-

o   Effect of the loss of income due to the premature death of one of the partners will be less. Protection of income is important.

o   Investments towards their children’s future can be a high priority.

Ø  Children education planning:

o   The insurance agent should take into consideration  the cost of the education course selected by the prospect for his child.

o   The agent should assume an education inflation rate and based on the date when the prospect’s child will enrol for higher education, work out the amount that will be required at that time.

o   Assuming a reasonable rate of return , the agent should arrive at the monthly amount to be invested to accumulate the education fund.

o   The propect should start making regular  investments towards the child’s education fund in a child insurance plan.

Ø  Children education  planning married with older children:

o   Financial responsibility is towards their children’s higher education and marriage.

Ø  Pre-retirement.

OTHER KEY FINANCIAL PRODUCTS Part I

o   Insurers in case of critical illness riders specify terms & condition along with exclusions.

o   Benefit of the rider will not be payable under such terms condition.

o   Waiver of premium (WOP)

§  Waives future premiums of policy  holder in event of disability.

§  Insurance company always specifies the product with which this rider is

§  Available

§  WOP rider comes with the exclusions & terms condition.

o   Some other riders offered by some insurance companies are

§  Hospital care rider plan fixes an amount on a daily basis in event of hospitalization

§  The rider fixes an amount at the time when the policy is taken.

§  An insurance company may pay the actual cost for the treatment.

§  Amount may be paid for the number of days insured is hospitalized.

§  Amount is irrespective of actual amount spent in hospitalization.

§  Amount is additional amount paid apart from lump sum that maybe paid for surgery and/or critical illness.

§  The rider is similar to the individual policy mentioned above.

o   Guaranteed insurability rider gives insured right to increase cover in response to life events which are (a) marriage, (b) child birth etc.

Ø  Benefits of riders

o   Additional cover

o   nominal cover

o   customization – as per preference of customer

o   flexibility

o   an per the IRDA regulations issued in april 2002 and amended in October 2002:

§  the premium on all riders relating to health or critical illnesses, in case of term or group insurance products shall not exceed 100% of the premium of the base policy;

§  the premium on all the other riders put together should not exceed 30% of the premium on the base policy; and

§  the benefits arising under each of the riders shall not exceed the sum insured under the base policy.

Ø  Annuities

o   Annuities are a reverse of life insurance.

o   In life insurance insurer starts paying on the death of the insured whereas in annuity insurer stops paying upon death of annuitant.

o   Annuity is a series of regular payments from an annuity provider to an annuitant,

Ø  Annuity can either be immediate or deferred.

o   Immediate annuities become payable (vest) immediately after they have been purchased with a lump sum,

OTHER KEYFINANCIAL PRODUCTS

M7: OTHER KEYFINANCIAL PRODUCTS

Ø  Other financial needs

o   Other reasons for buying insurance

§  Living too long

§  Vulnerable to illness

o   Health insurance plan pays individual and their family expenses incurred in event of

§  Hospitalization,

§  Critical illness

§  Post hospitalization care

o   Health insurance plans are annually renewable policies.

o   The cost increase as the person gets older.

o   Insurance riders bring additional benefits at nominal costs.

o   Riders help in the customi9zation of an insurance policy

o   Retirement plans help the individual maintain a similar lifestyle post-retirement.

Ø  Features and benefits of other key products

o   Health plans: four main types of health insurance plan:

§  Individual health plans

§  Family floater health plans

§  Group health insurance plans

§  Daily hospitalization cash benefit plans.

o   A family floater is different from an individual health plan.

§  Individual

§  Spouse

§  Children

§  Parents

§  Insurance company  can specify number of people that can be covered

The need to have a contingency/emergency fund

The need to have a contingency/emergency fund

  The need for insurance

 The need to purchase assets such as a house, a car etc.

 The need to save for retirement.

 

 The need for tax planning

o   Need to have adequate health insurance cover for the family to meet medical emergencies.

o   Need to provide sufficient funds for children’s  higher education and marriage- child insurance plan can address this need.

Ø  Child insurance plans come in two varieties- risk averse investors can choose child endowment plans, whereas investors who a=re willing to take the risk can choose child ULIPs with an equity fund.

Ø  Need to have a regular income or an annuity after  retirement. Insurance companies provide retirement  plans to address this need.  An individual can invest a lump sum amount, or during their working life they can make regular contributions towards them.

Ø  Purchase assets like a house, car etc

Ø  The bank offers a percentage of total value of the asset as loan and rese amount has to be paid by the individual called down payment, margin money or home owner’s equity