Policy shift: Health cover rates vary across states
Bajaj Allianz General Insurance has launched customised state-wise health insurance plans, adjusting premiums and benefits to reflect local medical costs, infrastructure, and regulations.
Bajaj Allianz General Insurance's initiative is designed to address inefficiencies in traditional one-size-fits-all pricing. "The idea behind this cover is to increase coverage of the missing-middle by making health insurance more affordable for them," said Bhaskar Nerurkar, head of health administration at Bajaj Allianz General Insurance. "At present, there is an element of cross-subsidy where people in areas with low-cost healthcare end up subsidising for those with higher costs.
"
Narayana Health was among the first to offer region-specific policies linked to its hospitals. Bajaj Allianz General Insurance takes this further by refining prices at the state level. While policies are sold based on current residence, policyholders can still receive treatment anywhere in the country.
"Regional variations in healthcare claims frequency and severity across India are significantly influenced by diverse factors, including the specific causes for hospitalization," said Satish Gidugu, CEO of Medi Assist, the largest third-party administrator.
by Taboola
by Taboola
Sponsored Links
Sponsored Links
Promoted Links
Promoted Links
You May Like
Scam Exposed: What They Won't Tell You about zero trust!
Expertinspector
Click Here
Undo
"The heightened concentration of tertiary and quaternary care facilities and the greater incidence of claims within Tier-1 cities further accentuate these regional disparities." He added that insurers can now leverage improved data accessibility to more precisely customize their offerings. BAGIC's plans cover all states and UTs, factoring in local disease patterns, hospital charges, and govt scheme implementation.
Stay informed with the latest
business
news, updates on
bank holidays
and
public holidays
.
AI Masterclass for Students. Upskill Young Ones Today!– Join Now
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Time of India
36 minutes ago
- Time of India
CM promises strong action against those responsible for girl setting her ablaze
1 2 Bhubaneswar: Chief minister Mohan Charan Majhi on Sunday promised stringent action against those responsible for forcing the 20-year-old college student to set herself ablaze after her sexual harassment complaint against a faculty member remained unaddressed by the institution's authorities. Majhi, following his return from Delhi, visited AIIMS Bhubaneswar, where he met the girl battling for her life. The CM said the girl, a second-year student pursuing an integrated BEd programme at a govt college in Balasore district, is in an extremely critical state. "The govt has taken the matter with all seriousness to ensure that all those responsible are not spared. A committee of the higher education department has already started its ground investigation. While immediate action was already taken on Saturday, further strictest action will follow after completion of the ongoing probe," Majhi said. After consoling the distraught parents, Majhi said the medical team is collaborating virtually with their Delhi colleagues to save the girl's life. He indicated the possibility of airlifting her to AIIMS, Delhi if her condition stabilises enough for her to be moved. AIIMS Bhubaneswar executive director Ashutosh Biswas said a multidisciplinary team comprising specialists from anaesthesia, pulmonary medicine, surgery, critical care, plastic surgery, nephrology and nursing has been formed to oversee the girl's treatment. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like American Investor Warren Buffett Recommends: 5 Books For Turning Your Life Around Blinkist: Warren Buffett's Reading List Undo "The patient, who suffered 90-95% burns, is on ventilator support in the ICU. Her condition is extremely critical. We are trying our best," Biswas said, adding that her internal organs, including kidneys and lungs, have been severely affected. "The next 24-48 hours is critical," Biswas said. The development comes on a day opposition parties held demonstrations and the National Commission for Women (NCW) sought a report from the state DGP. On Saturday, an assistant professor against whom she had recently filed a sexual harassment complaint with the college's internal complaints committee, was arrested. The govt also placed him under suspension along with the college principal. The CM affirmed the govt's commitment to preventing similar incidents in educational institutions. "We have directed all institutions to further strengthen their student grievance redressal mechanisms," Majhi said. The state crime branch, meanwhile, has sent a team of officers from its crime against women and children's wing (CAW&CW) to Balasore to assist the local police in the investigation.
Time of India
36 minutes ago
- Time of India
BMC focus on destroying mosquito breeding sources, dengue awareness
1 2 Bhubaneswar: With the city reporting 114 dengue cases so far this year, the Bhubaneswar Municipal Corporation (BMC) is focusing on spreading awareness about the disease, its symptoms, transmission and preventive measures in every household. The initiative assumes significance as a survey by the health wing of BMC revealed that larvae of Aedes mosquito, carriers of the dengue virus, were found more in containers outside rather than in households. In 20 household samples, mosquito larvae were found. On the other hand, larvae were found in water samples from 30 containers. "Clean water stagnating in such places ultimately turns into larvae breeding grounds, leading to the growth of Aedes mosquitoes," said a BMC officer. BMC allayed fears by stating the test positivity rate was around 1.3% per 100 samples, which is not alarming. "If the average daily testing number is 246, it can be inferred that two cases are reported daily, which is not at all alarming. Most of the cases were reported in June and July as the monsoon arrived a bit early this time," said BMC additional commissioner Suvendu Sahu. Since then, 100 more volunteers have been engaged, apart from regular personnel, improving surveillance. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like 이 게임은 대부분의 TV 프로그램보다 더 재미있어요 – 게다가 무료예요. Raid: Shadow Legends 플레이하기 Undo These volunteers focus on generating awareness and reducing mosquito breeding sources. The Urban Malaria Surveillance Unit (UMSU) has been overseeing the initiative, according to the BMC officer. City health officer Deepak Bisoyi said fogging is yet to start as it is not conducive on rainy and cloudy days. "We will start fogging very soon. All mosquito breeding sources have been destroyed so far," said Bisoyi. He further said, "We are implementing a grassroots approach to be able to reach every household in the capital city." Earlier, BMC wrote to industrial clusters, various offices and agencies maintaining parks to take strict measures to destroy mosquito breeding sources. Industrial premises, parks and vacant spaces mostly turn into mosquito dens during the monsoon and until Oct. "We have written to Odisha Industrial Infrastructure Development Corporation (Idco) so that it directs the industrial clusters to maintain cleanliness on their premises. They should ensure that no empty container, regardless of size, is left open during the rainy season because water collects in them," Sahu said.
Time of India
an hour ago
- Time of India
Most truckers suffer hearing loss: Study
Lucknow: The constant hum of engines, blaring horns, and relentless traffic noise is quietly damaging the hearing of long-distance truck drivers. A new study found that over half of the drivers tested showed signs of hearing loss—even in their better-hearing ear. Published in the Jan–Feb 2025 issue of Noise & Health, the study was conducted by Anupam Mehrotra (AKTU), Sheo P. Shukla (Rajkiya Engineering College Banda), and Prof Manish K. Manar (KGMU). The team tested the hearing of 200 male long-distance truck drivers from Lucknow using pure tone audiometry. Results showed 50.5% had hearing loss in their better ear. The right ear was more affected in 73.5% of cases (147 drivers), 14% (28) had loss in both ears, and 12.5% (25) in the left ear. "This may be because the right ear is closer to the window while driving," said Prof Manar of KGMU's community medicine department. At 4000 Hz—typically the first frequency affected by Noise-Induced Hearing Loss (NIHL)—abnormal thresholds were found in 84% of right ears. Lead author Anupam Mehrotra explained that normal hearing ranges from 0 to 25 decibels (dB). Lead author Anupam Mehrotra explained that normal hearing ranges from 0 to 25 decibels (dB). "The average threshold was 32.61 dB in the right ear and 28.66 dB in the left—both above the normal range," Prof Manar added. Risk factors included poor sleep, longer driving experience, and age. Drivers sleeping less than six hours or with over 10 years of experience had more damage. Those above 40 had age-related compounding effects. "Lifestyle habits like poor sleep and alcohol use increase vulnerability," said researcher Arvind K Shukla. While past Indian studies focused on car or auto-rickshaw drivers, truckers—who endure prolonged noise—remain under-researched. "This is among the first major studies on hearing loss in Indian truck drivers," said Mehrotra. "We hope it encourages action from transport companies and health authorities." The team recommended regular hearing check-ups, use of earplugs or noise-cancelling devices, awareness drives, and better working conditions to reduce fatigue. "Our truck drivers are the backbone of the economy," Mehrotra added. "Protecting their hearing is vital for their well-being and the nation's functioning."
