The Maharashtra state government is ready to sign a memorandum of understanding (MoU) with the Union Government within a week. It will implement the National Health Protection Scheme (NHPS) across Maharashtra, which benefits about 83 lakh people.
However, the state will now assess whether they implement a hybrid insurance model or opt for the trust model for the beneficiaries.
The Union Health Ministry has capped the insurance cap at Rs 1,000 per family for the first year and split the cost in a 60:40 ratio with the state.
If the state opted for the hybrid model, then it will merge the existing Mahatma Jyotiba Phule Jan Arogya Yojana with the NHPS. While the premium will be high, the entire cost will be covered by the insurance company. In the trust model, where officials claim medical coverage beyond Rs 1.5 lakh will be covered through a trust, the high premium cost will be avoided but the risk will remain with the state
So far, Andhra Pradesh, Telangana, Goa, and Gujarat have experimented with the trust model in insurance schemes.
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