INSUBCONTINENT EXCLUSIVE:
Kathmandu, June 25
It has now become mandatory for people migrating for foreign employment to get their health insured as stipulated by
health insurance rules.
A person leaving for foreign employment shall have to submit a copy of health insurance ID card along with his/her
work permit to the Department of Foreign Employment, as per Rule 4
This provision shall not be compulsory in those districts where health insurance programme has yet to be implemented.
The Health Insurance
Act-2017 requires every Nepali citizen to get his/her health insured
The Health Insurance Board shall provide an ID card to members of a family insured, by issuing an insurance policy.
The ID card is valid for
Premium amount Rs 2,500 per year covers insurance for five members in a family
Three thousand five hundred rupees has been fixed for a family having more than five members
Each family will be entitled to health facilities worth up to Rs 200,000 in a year.
&If a person enjoys health facilities covering the
limits of the insured amount before completion of a year, he/she shall not be entitled to any health facilities for the remaining period of
that particular year,& read the rules
Under the health insurance programme, the insured shall enjoy services like nutrition, yoga, psycho-social counseling, vaccination, family
planning, safe motherhood, out-patient and emergency health services, operation, medicines, curative and preventive services, rehabilitation
The insurance programme doesn&t cover health-related equipment like spectacles and hearing aid and plastic surgery.
According to the rules,
an insured person is free to choose a service provider
In an event where the chosen service provider is unable to provide necessary service to him/her, it shall refer the insured person to other
service provider.
The rules also have a provision of granting exemption in premium amount
&If the insured members of a family have not received any services or facilities in a particular year, such a family shall be entitled to
enjoy per 10 cent exemption in premium amount, the next year.
The Board shall pay the medical bill of the insured to the service provider
from the Health Insurance Fund on the basis of per case rate or per service fee
The insured may file a complaint at the Board if he/she thinks that the service provider refused to provide service or did not deliver
quality service, according to the rules
Any service provider found guilty during investigation shall be liable to a fine of up to Rs 25,000 and a compensation to the insured,
equivalent to the amount.
As per the rules, the federal government, provincial government or local government shall bear 100 per cent
premium amount for a family with an ID card under the category of ‘very poor& and family that have fully disabled, leprosy and HIV
infected members.
The post Health insurance mandatory for migrant workers appeared first on The Himalayan Times.
