This blog is meant to discuss various Public Health issues and its possible solutions to it. It is also a platform for knowledge sharing. Interested people can submit your sharing to post in the blog for the betterment of the Public Health profession
Monday, November 25, 2013
Thursday, November 21, 2013
BSc (COMMUNITY HEALTH): PANACEA FOR RURAL HEALTH?
I came across an article by Dr Neeraj Nagpal ,(Convenor, Medicos Legal Action Group
Ex-President, IMA Chandigarh) on BSc Community Health.
I found it very thought provoking and informative, so sharing it in this page for you.
There is no dispute on the fact that rural healthcare in India is abysmal and drastic steps are needed to rectify the same. There is also no doubt that this involves a multipronged approach. A community health worker (Anganwadi worker, multipurpose health worker), a nurse practitioner, a pharmacist and a doctor available along with the infrastructure, medicine supply with improved connectivity (roads), electricity, safe water supply are all prerequisites to improved rural healthcare.
At different times in different states different schemes have been launched whereby the community health workers named differently in different states form the first line of community healthcare. Never however has an attempt been made to replace a doctor with a community health worker as is being done now under the garb of BSc (Community Health).
The fact of the matter being that though on paper we have rural dispensaries in every nook and corner of the state they fail to provide healthcare to our rural populace. The reasons are not far to seek. The buildings are in shambles with no resemblance of a hygienic healthcare facility as required under the Clinical Establishments Act. Rickety chairs and tables serve as infrastructure and even these are missing or broken. Electricity is mostly not available due to power cuts. There are no facilities of generator (how vaccination programmes are run without the cold chain is shrouded in mystery). Without proper autoclaving no procedures or surgeries are feasible in these dispensaries. Water supply even in dispensaries is from a hand pump if at all. Few of the dispensaries are approachable only by horse drawn vehicles, as buses do not travel to them.
Given the futile exercise of marking attendance in such dispensaries it is surprising that employees whether doctors, nurses or pharmacists come to work at all. This is a vicious cycle. Patients stop coming to these dispensaries as on previous visits their need at the time was not fulfilled whether because the doctor was absent, or medicines not available, or the procedure could not be done due to power cut etc. They then approach quacks, who thrive in this environment, for their daily medical needs. Also, disease does not seek to afflict a person only during office hours. To tackle patients in off duty hours appropriate residential arrangements for staff are sorely lacking.
In the Supreme Court, shortage of doctors in the country has been touted as a major problem. Government has shown statistics that India has 1 doctor for 1700 population. What has been glossed over in these statistics is that this figure is taken from the Medical Council of India (MCI), which concerns only with MBBS doctors. Are the doctors from the alternate system of medicine not doctors? BAMS (Bachelor of Ayurveda, Medicine and Surgery), BHMS (Bachelor of Homoeopathic Medicine and Surgery) and BUMS (Bachelor of Unani Medicine and Surgery) graduates all have four-and-half-years study of their systems of medicine including basic subjects like anatomy and physiology. Their number is any day more than that of MBBS doctors. If we include them in the statistics the ratio of doctor to patient in the country will be much less than 1 per 1000 recommended by the World Health Organization (WHO).
Either we consider them doctors or we do not consider them doctors for the statistical purposes. Even these doctors with 4-5 years of graduate study are labelled as quacks by the honourable Supreme Court if they dabble in modern medicine (Poonam Verma vs Dr Ashwin Patel). How then can a truncated study duration of 3 years equip someone with knowledge sufficient to practice modern medicine.
There is also the fact that for government health services in nearly all states there are many more MBBS applicants than seats available. All doctors in Government service have to do mandatory 3-5 years rural service as per different state norms. Punjab Govt managed to rope in about 1200 MBBS doctors to serve in rural areas on adhoc basis on consolidated salary of Rs 30,000 out of which they were also supposed to pay salary of two employees. These doctors were not given any service benefits and were appointed under the Zila Parishads. “Shortage of doctors” or that “MBBS doctors do not work in villages” is then a myth created by the powers that be to further their own ends. With unemployment and underemployment existent among MBBS doctors where is the need for a special cadre of rural doctors?
The reason why the political class is keen on BSc (Community Health) and of permitting them to practice modern medicine is to be seen in a different context.
Medical education has shifted from government medical colleges to private medical colleges in large numbers. Most private medical colleges are run by politicians or their relatives and henchmen. Lot of money is involved in medical education with an MD seat being sold for Rs 2 crore; even BSc (Nursing) and BAMS courses are fetching good premiums for these colleges. This puts a lot of pressure on the management of these colleges (politicians) to get more seats and medical colleges approved from the MCI. Resistance to the same has cost the MCI dearly. It has been disbanded; adhocism prevails in appointment and removal of the Board of Governors. The entire sequence bears a close scrutiny by an independent agency preferably the Central Bureau of Investigation (CBI).
If one (MCI) member Dr Ketan Desai was corrupt (not convicted) how does it justify the dissolution of an autonomous body with elected members? By the same argument the corruption of Mr Raja and Mr Kalmadi should lead to the dissolution of the parliament.
BSc (Community Health) is simply another way of selling medical seats without interference by the MCI. This would be possible only if the powers that be are able to get some legal sanctity to the BSc CH graduates practicing modern medicine. It was rightly pointed out by professional medical associations and legal luminaries that involvement of the MCI will need changes to be made in the Indian Medical Council Act. Govt has now cornered the National Board of Examination (NBE), a body which so far concerned with governing postgraduate medical courses Diplomate of National Board (recognized postgraduate teaching qualification even in medical colleges), to now award alternate of MBBS i.e. BSc (Community Health) degree.
Doing something new which would be marketable even if it were recycled goods has been the cornerstone of political gimmicks perpetrated in our country by our esteemed lawmakers. General elections being near there is a political compulsion for the government to have in its agenda schemes, which can be touted to voters as accomplishments. That it maybe illegal or harmful for the nation’s health is inconsequential to this breed of politicians and they are willing to tweak the law to meet their desired goals.
There is no magic wand to improve healthcare in rural areas. Posting a doctor in a rural dispensary of today with his hands tied for want of infrastructure, medicines and equipment is akin to hanging a photograph of a doctor in the dispensary. It serves no purpose except on paper. Because qualified doctors are demanding these facilities it is now prudent to replace them with hopefully a more pliable army of qualified quacks in the form of BSc (Community Health) graduates (Rural Doctors). Plus there is money to be made in starting these new courses for rural doctors.
Dr Neeraj Nagpal
Convenor, Medicos Legal Action Group
Ex-President, IMA Chandigarh
Wednesday, November 13, 2013
SOME EPIDEMIOLOGICAL TERMS
Incidence is a number equal to the fraction of population that contracts a given disease during a given period of time. In other words, Incidence is the rate at which new cases of diseases occur within a population.
Prevalence of a disease is the fraction of the population that currently (or at some other particular time) has a given disease.
A sporadic disease is one that occurs only occasionally in a population (i.e., prevalence is zero).
An endemic disease is one that is always present in a population (i.e., never zero prevalence).
An epidemic disease is a disease that many people acquire over a short period (i.e., increasing incidence).
A pandemic disease is a world-wide epidemic disease (i.e., high world-wide incidence).
Common source outbreaks are some diseases arise from a single definable source, such as a common water supply. They are not propagated from individual-to-individual (e.g., person-to-person). Yet the disease continues to be endemic and perhaps epidemic as a consequence of contact with some typically geographically well-defined disease reservoir
Propagated epidemics are in contract, which are diseases spread not from some common, geographically well defined disease reservoir, but instead by individual-to-individual (e.g., person-to-person) contact.
Prevalence of a disease is the fraction of the population that currently (or at some other particular time) has a given disease.
A sporadic disease is one that occurs only occasionally in a population (i.e., prevalence is zero).
An endemic disease is one that is always present in a population (i.e., never zero prevalence).
An epidemic disease is a disease that many people acquire over a short period (i.e., increasing incidence).
A pandemic disease is a world-wide epidemic disease (i.e., high world-wide incidence).
Common source outbreaks are some diseases arise from a single definable source, such as a common water supply. They are not propagated from individual-to-individual (e.g., person-to-person). Yet the disease continues to be endemic and perhaps epidemic as a consequence of contact with some typically geographically well-defined disease reservoir
Propagated epidemics are in contract, which are diseases spread not from some common, geographically well defined disease reservoir, but instead by individual-to-individual (e.g., person-to-person) contact.
Tuesday, October 15, 2013
INTEGRATING HEALTH CARE PROGRAMS FOR SUSTAINABILITY: PERSPECTIVE FOR HIV PROGRAM
National AIDS control organization
was established under MoHFW in 1992 to address the program of HIV/AIDS.
The focus of NACP 1 (1992-1999):
was mainly on HIV surveillance and related activities, screening of blood and
blood products, and public education campaigns.
NACP 2 (1999 – 2006): focus
shifted to raise awareness and towards interventions focusing on promoting behavior
change. ART was rolled out during this phase.
NACP 3 (2007- 2012): Focus was to
halt and reverse the epidemic by 2012, by focusing on prevention efforts &
integration of care, support and treatment strategies.
NACP 4 is currently being formulated
with the objective to accelerate the process of reversal of HIV and further
respond to epidemic through a well define integration process with increase in
public-private partnerships.
Vertical Approach
|
Integrated Approach
|
Otherwise known as ‘stand – alone’ or parallel
program.
Interventions are provided through a separate
administration, budget and operational integration with wider health system.
|
There is no separate administration or budget and
interventions delivered through the existing healthcare facilities that
provide routine or general health care services.
Belief is to focus on the priorities of local people
and tend to bring services together with minimum resource wastage.
This create a single system where resources are
shared and duplication is avoided
|
Basic questions to be asked while
taking a major policy decision like planning for integrating with general
health system are
Will integration add value? Is it
the right time? Is it possible with existing infrastructure/human resource? Will
it strengthen the health system? Is there a clear plan and clear outcome
monitoring system?
As per WHO, 5 Basic competencies that apply to staffs working for
patients with chronic diseases are
1. Patient-centered care
2. Partnering
3. Quality improvement
4. Information and communication technology and
5. Public health perspective.
Tanwar et.al (2013) researched
the expert’s opinion on this regard and found that policies and policy makers
were rigid with little flexibility for regional requirements and their felt
need is to have flexibility guidelines. Experts felt that involvement of
hospital superintendents or senior doctors in monitoring and day to day
functioning of HIV care & treatment centres can make change in the attitudes
of staff at the general hospital and improve ownership. A District AIDS officer from a general health system can play important
role of coordinating with various HIV-related activities in a particular
district and plan them in collaboration with the general health activities.
But concern is, integration will
require utilization of multi-skilled workers and transfer duties from
specialists to non specialists.
Keeping in mind, Experts felt
that integration with general health system should happen in selected areas
like department of PPTCT, STI, and ICTC. This integration should happen to make
HIV-program sustainable leading to expansion of program activities and
increased capacity of healthcare workers to meet the people’s needs. HIV
programs should organize trainings like ‘pre-service’ followed by ‘In-service’ at staff level for interns, PG students and
doctors working in private and government sector.
Link ART system could be a major
step toward integration of HIV treatment with general system if closely monitored.
Vertical programs are justified
where the general health systems are weak, fragile states or places where integration
is not possible. Vertical programs should be time limited and integrated with
general system to avoid spill over. Disease specific vertical program and
general health system are working for the betterment of health of the people,
and these programs would become more and far effective if they work in
collaboration.
Thursday, September 12, 2013
Wednesday, September 11, 2013
APPROACHES OF ICDS AND NRHM IN ADDRESSING SEVERE ACUTE MALNUTRITION - A NEED FOR COHERENCE
Malnutrition is the term which is
seen in almost all the newspapers and it is our countries attention too. In
order to address malnutrition issue, there are 2 primary agencies i.e. NRHM and
ICDS. However the management of severe malnutrition has huge gaps in the public
policy of our country.
There is an inconsistency between the approaches of ICDS
& NRHM leading to lack of clarity on the criteria for screening and
identification, treatment protocols and the role of difference agencies for
rehabilitation and follow up. Focus of intervention under NRHM is primarily on treatment
of severe acute malnutrition (SAM) through nutrition rehabilitation centers
(NRCs).
World Health
Organization (WHO) definition of SAM is
- Very low weight for height (Below -3Z score of median WHO standards)
- Visible severe wasting
- Presence of nutrition edema
Statistics at glance
SAM children have a mortality risk higher than normally
nourished children. The under 5 morality rate for SAM ranges from 30% - 50%. National
Family Health Survey (NFHS) – 3 reveales that 6.4% of Indian children Under 5
years have weight for height scores less than -3SD which means at given point
of time we have 8 million children who are SAM.
Role of ICDS
Anganwadi worker’s (AWWs) are responsible for the regular
growth monitoring of children Under 6 years of age, they identify the children
for malnourishment and provide follow up care including referrals. AWW are
suppose to refer children who are severely underweight as per WHO standards of Weight for Age.
Management of
Malnutrition at NRC
Currently there are no central guidelines available for the
management of SAM. Under NRHM different states have now set up NRCs and the
broad programmatic interventions are more or less similar.
At NRC, the
child is screened for SAM by
- Weight for height/length
- Mid upper arm circumference (MUAC)
- Presence of edema
What happens at NRC is the children who are referred to the
NRC by the AWW based on the weight for age are screened for SAM. Children who
fit the criteria are only admitted and rest all sent back.
Data set from NFHS and Integrated Nutrition Health Program
(INHP) reveals that this approach has 2 errors
- It misses identifying a substantial proportion of SAM cases
- The numbers of referred cases by AWW are not the actual SAM cases. By this approach the recent acute weight loss are not referred because they are not yet below the cut-off to actually qualify as severe underweight.
Simple relying on weight for age measure would leave around
36%-44% of SAM children because they fall under moderate or normal weight for
age. Thus screening for severely underweight done at Anganwadi centre (AWC) is
simply not a sensitive test for identifying SAM
And, among the referred children to NRC (58% - 75%) are not
SAM to fit the entry criteria for NRC’s admission. Thus, the specificity of
severe underweight cut-off scores test in identifying SAM cases is very poor.
Gap in the entry
criteria
·
There is lack of consistency between the referral
criteria of AWW (weight for age) and the entry criteria of NRC. Many children
are needlessly referred to and sent back. This could create a poor impression
on the AWW at the village level demotivating her as well as parents of the
children.
·
Entry criteria also does not include appetite
test. Children who has appetite can be treated at community level.
Gap in exit criteria and
follow up
·
As per WHO and Indian Association of Pediatrics
(IAP) guidelines, a child are discharged from NRC when weight for height/length
is more than -1 SD. SAM is treated institutional based with therapeutic foods
of F-100 formula.
· Children
who are admitted in NRC are kept for 14 days for nutritional rehabilitation,
medical treatment and nutritional counseling unless physician extends the stay.
·
Approximately Rs.50/day is sent on the SAM child
for food and drugs + Rs. 6/day worth food from AWC after discharge.
·
Due to non availability of community based
management (CBM) this whole exercise of treatment goes in Vain. International experiences say that NRC has
limited role for this reason making it just a one side link of this ‘conveyor
belt’ approach.
Stunting an issue to
be addressed
·
Stunting is an indicator of long neglected
inadequate growth. A focus of SAM has no direct impact on stunting but a focus
on stunting will help in preventing SAM by reducing low birth weight.
·
Also instead of waiting for weight for age to
reach the cut-off of NRC, it’s better to refer cases based on percentage of weight
loss.
Conclusion and
Recommendations
Ready to use therapeutic drugs (RUTFs) can be used in the community
as an effective SAM management. As it is estimated from international experiences
that 80% SAM can be treated at community level, freeing the scare resources to
treat for more intensive sick SAM children at the NRC.
- AWW to asses child on weight for height/length and train her to identify & screen children who are SAM affected for entry of NRC.
- AWW to be trained on conducting appetite test for SAM for proper case referrals.
- CBM of SAM children can be effectively done by ICDS with their huge network of AWC. A strategy to manage them at community level would be to combine providing
- ü
Therapeutic foods presently done at NRC
ü Nutrition counseling presently done at NRC
ü Regular growth monitoring and presently done at AWC
ü Community mobilization presently done at AWC
ü Facilitate intensive breast feeding practices presently done at AWC
Thus there is an urgent need to bring the ICDS of
malnutrition in coherence NRC of malnutrition.
Tuesday, September 10, 2013
M-HEALTH: ENGINEERING THE HEALTH SYSTEMS
The unprecedented spread of mobile technologies as well as advancements in their innovative application to address health priorities has evolved into a new field of e-Health, known as m-Health (WHO). According to the International Telecommunication Union there are now close to 5 billion mobile phone subscriptions in the world, with over 85% of the world’s population now covered by a commercial wireless signal. Recent advances in mobile technology have made it practical to automate some aspects of health care delivery in various health care settings.
Evidence suggests mobile technology presents promising opportunities to improve the range and quality of services provided by community health workers. Various categories of mobile health technology (m-Health services) applications include health call centers, emergency toll-free telephone services, managing emergencies, mobile telemedicine, appointment reminders, community mobilization and health promotion, treatment compliance, mobile patient records, information access, patient monitoring, health surveys and data collection, surveillance, health awareness raising, and decision support systems. Therefore, mobile health technology (MHT) can be applied to develop any of these systems mentioned above.
Mobile phones can simply be used to encourage patients to take their medication. Text short message service (SMS) messages, or other reminders like automatic call-backs can be used to communicate with patients, who are otherwise required to visit a TB clinic or to be monitored by a visiting health worker. Application features could include reminders, the app can remind patients to take their medication on time while being observed from an observer using the same application. Through video/telemedicine calling service, the observer will be able to monitor/diagnose his/her patients while taking their medication after receiving reminders and inquiring service in which patients can inquire about anything related to their case through the application.
With the use of mobile phones, electronic data capture can potentially make it easier for health care personnel to collect and manage large volumes of data and shortens the time needed for analysis. This process streamlines the reporting of patient data to their respective national TB/HIV-AIDS/Cancer or many other programs. It will include streamlining of the reporting system in laboratories – connecting lab technicians, lab directors, physicians, field workers and, ultimately, patients – via text (SMS) and mobile or web interfaces. Projects can also integrate Global Positioning System (GPS) enabled phones to monitor the location of where field workers enter patient data, ensuring that fraudulent data is not entered from the field workers’ homes.
In addition, GPS allows real-time mapping of disease outbreaks to accelerate the response time among governments and health workers alike.
Therefore, we can say that mHealth tools enable CHWs to provide health services far from the clinical setting, in remote areas, and among hard to reach communities. Under this decentralized approach to service provision, health care can become more accessible to patients due to reduced time and expense of travel and due to the ability to seek out patients who are the targets of stigma and discrimination. These tools may help CHWs overcome many of the barriers they face in the field, including balancing multiple priorities, lacking appropriate tools to provide services and collect data, and limited access to training and supervision. As CHWs are generally the most frequent connectors of communities to formal health systems, the use of mobile tools to enhance health system performance requires further evidences. Assuring a successful roll-out of a mobile health application does not include only building the application. A comprehensive ‘cost effective analysis’ and ‘health impact assessment’ also needs to be done which should be done along with the groups of stakeholders who will determine the success or failure of the innovative technology.
Dr. Shikha Gupta (O.Th.), MHA (TISS)
Evidence suggests mobile technology presents promising opportunities to improve the range and quality of services provided by community health workers. Various categories of mobile health technology (m-Health services) applications include health call centers, emergency toll-free telephone services, managing emergencies, mobile telemedicine, appointment reminders, community mobilization and health promotion, treatment compliance, mobile patient records, information access, patient monitoring, health surveys and data collection, surveillance, health awareness raising, and decision support systems. Therefore, mobile health technology (MHT) can be applied to develop any of these systems mentioned above.
Mobile phones can simply be used to encourage patients to take their medication. Text short message service (SMS) messages, or other reminders like automatic call-backs can be used to communicate with patients, who are otherwise required to visit a TB clinic or to be monitored by a visiting health worker. Application features could include reminders, the app can remind patients to take their medication on time while being observed from an observer using the same application. Through video/telemedicine calling service, the observer will be able to monitor/diagnose his/her patients while taking their medication after receiving reminders and inquiring service in which patients can inquire about anything related to their case through the application.
With the use of mobile phones, electronic data capture can potentially make it easier for health care personnel to collect and manage large volumes of data and shortens the time needed for analysis. This process streamlines the reporting of patient data to their respective national TB/HIV-AIDS/Cancer or many other programs. It will include streamlining of the reporting system in laboratories – connecting lab technicians, lab directors, physicians, field workers and, ultimately, patients – via text (SMS) and mobile or web interfaces. Projects can also integrate Global Positioning System (GPS) enabled phones to monitor the location of where field workers enter patient data, ensuring that fraudulent data is not entered from the field workers’ homes.
In addition, GPS allows real-time mapping of disease outbreaks to accelerate the response time among governments and health workers alike.
Therefore, we can say that mHealth tools enable CHWs to provide health services far from the clinical setting, in remote areas, and among hard to reach communities. Under this decentralized approach to service provision, health care can become more accessible to patients due to reduced time and expense of travel and due to the ability to seek out patients who are the targets of stigma and discrimination. These tools may help CHWs overcome many of the barriers they face in the field, including balancing multiple priorities, lacking appropriate tools to provide services and collect data, and limited access to training and supervision. As CHWs are generally the most frequent connectors of communities to formal health systems, the use of mobile tools to enhance health system performance requires further evidences. Assuring a successful roll-out of a mobile health application does not include only building the application. A comprehensive ‘cost effective analysis’ and ‘health impact assessment’ also needs to be done which should be done along with the groups of stakeholders who will determine the success or failure of the innovative technology.
Dr. Shikha Gupta (O.Th.), MHA (TISS)
Saturday, September 7, 2013
THIRD PARTY ADMINISTRATOR: A MAJOR STAKEHOLDER OF THE HEALTH INSURANCE SEGMENT
We have recently been hearing a lot about the health insurance industry in India- its growth and its dynamics. The insurers, healthcare providers, the policyholders and the third party administrators (TPAs) are the major stakeholders of this booming industry. Amidst the various headlines pertaining to this industry, we have also heard about accusations being made by the insurers about the inefficiencies introduced into the system due to the TPAs. Currently the four public sector units (PSUs) viz. National Insurance Company, The New India Assurance Co. Ltd., United India Insurance Co. Ltd. and Oriental insurance Co. Ltd. are the dominant players of the health insurance industry in India that accounted for almost 60% of the non-life insurance segment in 2011-12. After IRDA Act 1999, the private companies have been allowed to enter into the Indian insurance market and since then they have been steadily eating into the market share of these PSUs by the virtue of their aggressive marketing and impeccable customer service. However, the PSUs have not lost their niche and thankfully a lot of its credit goes to the TPAs.
The concept of TPAs was in fact the brainchild of the PSUs which were introduced in order to provide cashless services to the policyholders for multiple insurers. Hence, promoting cost efficiency by pooling the administrative costs in the then relatively small market. Since then the health insurance segment has continued to surge ahead registering an annual growth rate of 18.44% in 2011-2012 accounting for around 22% of the total non-life insurance segment as per the IRDA Annual Report 2011-12. And with that the TPA industry has flourished and grown considerably matured with the expertise to deal with both healthcare providers and the policyholders while being answerable to the insurers. There are as many as 16 TPAs licensed by the IRDA catering to both the PSUs and the private insurers. However, only a few of them are currently noteworthy given their vast experience and credibility. These include MD India Healthcare (TPA) Services Private Ltd., Medi Assist India TPA Private Ltd., Paramount Health Services (TPA) Private Ltd., Raksha TPA Private Ltd., E Meditek (TPA) Services Ltd. and TTK Healthcare TPA Private Ltd. to name a few.
Recently a few of the private sector insurers have resorted to developing their own in-house TPAs and this trend continues with more of the private insurers adopting this practice given the prospects of the expanding health portfolio. The urge for having in-house claim processing units rather than the TPAs comes from the fact that it would provide them better control over their processes and enable them to generate valuable data which can be utilized effectively to reduce the incurred claim ratio through various mechanisms and thus rescue this bleeding health portfolio.
Simply put the growth and sustainability of any insurer is based on three factors the number of new policies underwritten, the renewal of existing policies and the incurred claim ratio each year. For a customer who is the policyholder or the insured in this case, the prompt and hassle free services especially when they are undergoing the emotional trauma due to illness or hospitalizations is of utmost importance. This ensures customer satisfaction which in turn ensures renewal of policies and enables capturing new customers by word of mouth and reputation. An efficient customer relationship management (CRM) team makes all the difference in providing customers satisfaction and retaining clients especially considering that a huge chunk of health insurance business comes from the corporates buying group policies for their employees which makes them extremely demanding customers given the size of their premiums. If the PSUs were to do away with the TPAs, can they ever imagine serving such demanding customers which requires a great deal of professionalism which by the long standing history of any public sector institutions has most often been lacking. PSUs will not only fall short of performing without the TPAs but will also lose their customer base to the private players who at this point have built their capacities and are only waiting for an opportunity for the PSUs to falter.
The incurred claims ratio is a function of the policy terms and conditions and the provider management and control. The underwriting of the policy is exclusively done by the insurers and does not involve the TPAs. Designing policies which provide sufficient coverage to the insured and at the same time do not generate losses for the insurer is typically an art that insurers need to master. Introducing sublimit, capping and co pays into the policies is based on intricate analysis of the claims settled by the TPAs. The required data needs to be recorded and compiled by the TPA on the instructions of the insurers. Most front runners of the TPA industry have built their competency to capture and analyse all such data which can be effectively utilized to decrease the claims ratio by designing better policies.
As for the provider management, unfortunately in India, there is no regulation over the healthcare providers and hence price control is solely market driven. Tariff Rates and Packages are pre-decided by the TPAs by negotiations with network hospitals. Tripartite agreements by the insurers and practices such as investigations for the fraud management are a few mechanisms through which the healthcare providers can be better controlled if not completely regulated. Further the operations of the TPAs are well controlled by the PSUs through frequent audits for quality assurance purposes.
The disappointment of the PSUs has not germinated due to the inefficiency or underperformance of the TPAs but has in fact arisen out of insecurities mounting due to the threat from the private players. If only the PSUs consider for a moment the skills offered by the TPAs and their own capabilities in controlling the operations rather than indulging into the blame game, it might be an eye opener. Presently, the idea of doing away with the TPAs has been pushed to the back burner following the opposition by the TPAs, an industry which is the breadwinner for a huge human resource. But this chapter has not been closed yet. Sooner or later the PSUs will have to take a look at the big picture, which is in the best interest of their own sustainability in the long run.
-Aarati Nadkarni
B.Pharm, MHA (TISS)
The concept of TPAs was in fact the brainchild of the PSUs which were introduced in order to provide cashless services to the policyholders for multiple insurers. Hence, promoting cost efficiency by pooling the administrative costs in the then relatively small market. Since then the health insurance segment has continued to surge ahead registering an annual growth rate of 18.44% in 2011-2012 accounting for around 22% of the total non-life insurance segment as per the IRDA Annual Report 2011-12. And with that the TPA industry has flourished and grown considerably matured with the expertise to deal with both healthcare providers and the policyholders while being answerable to the insurers. There are as many as 16 TPAs licensed by the IRDA catering to both the PSUs and the private insurers. However, only a few of them are currently noteworthy given their vast experience and credibility. These include MD India Healthcare (TPA) Services Private Ltd., Medi Assist India TPA Private Ltd., Paramount Health Services (TPA) Private Ltd., Raksha TPA Private Ltd., E Meditek (TPA) Services Ltd. and TTK Healthcare TPA Private Ltd. to name a few.
Recently a few of the private sector insurers have resorted to developing their own in-house TPAs and this trend continues with more of the private insurers adopting this practice given the prospects of the expanding health portfolio. The urge for having in-house claim processing units rather than the TPAs comes from the fact that it would provide them better control over their processes and enable them to generate valuable data which can be utilized effectively to reduce the incurred claim ratio through various mechanisms and thus rescue this bleeding health portfolio.
Simply put the growth and sustainability of any insurer is based on three factors the number of new policies underwritten, the renewal of existing policies and the incurred claim ratio each year. For a customer who is the policyholder or the insured in this case, the prompt and hassle free services especially when they are undergoing the emotional trauma due to illness or hospitalizations is of utmost importance. This ensures customer satisfaction which in turn ensures renewal of policies and enables capturing new customers by word of mouth and reputation. An efficient customer relationship management (CRM) team makes all the difference in providing customers satisfaction and retaining clients especially considering that a huge chunk of health insurance business comes from the corporates buying group policies for their employees which makes them extremely demanding customers given the size of their premiums. If the PSUs were to do away with the TPAs, can they ever imagine serving such demanding customers which requires a great deal of professionalism which by the long standing history of any public sector institutions has most often been lacking. PSUs will not only fall short of performing without the TPAs but will also lose their customer base to the private players who at this point have built their capacities and are only waiting for an opportunity for the PSUs to falter.
The incurred claims ratio is a function of the policy terms and conditions and the provider management and control. The underwriting of the policy is exclusively done by the insurers and does not involve the TPAs. Designing policies which provide sufficient coverage to the insured and at the same time do not generate losses for the insurer is typically an art that insurers need to master. Introducing sublimit, capping and co pays into the policies is based on intricate analysis of the claims settled by the TPAs. The required data needs to be recorded and compiled by the TPA on the instructions of the insurers. Most front runners of the TPA industry have built their competency to capture and analyse all such data which can be effectively utilized to decrease the claims ratio by designing better policies.
As for the provider management, unfortunately in India, there is no regulation over the healthcare providers and hence price control is solely market driven. Tariff Rates and Packages are pre-decided by the TPAs by negotiations with network hospitals. Tripartite agreements by the insurers and practices such as investigations for the fraud management are a few mechanisms through which the healthcare providers can be better controlled if not completely regulated. Further the operations of the TPAs are well controlled by the PSUs through frequent audits for quality assurance purposes.
The disappointment of the PSUs has not germinated due to the inefficiency or underperformance of the TPAs but has in fact arisen out of insecurities mounting due to the threat from the private players. If only the PSUs consider for a moment the skills offered by the TPAs and their own capabilities in controlling the operations rather than indulging into the blame game, it might be an eye opener. Presently, the idea of doing away with the TPAs has been pushed to the back burner following the opposition by the TPAs, an industry which is the breadwinner for a huge human resource. But this chapter has not been closed yet. Sooner or later the PSUs will have to take a look at the big picture, which is in the best interest of their own sustainability in the long run.
-Aarati Nadkarni
B.Pharm, MHA (TISS)
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Friday, August 16, 2013
INDIA'S TB CONTROL - WHAT WENT WRONG?
Nowadays we find
TB in news everywhere like shortage of drugs, increasing muti-drug and extensive
drug resistance (MDR, XDR), making the treatment expensive and cumbersome.
Total drug resistance (TDR) is now a death warrant, our popular serological
tests for the diagnosis is declared as worse than useless, and a government
order for mandatory case notification. In India, private practitioners are
legally authorized to treat TB, but without quality check mechanisms often
bypassing the prescribed treatment protocol leading to MDR, XDR and TDR.
Among the developing nations,
India pioneering TB control. A national TB control project was launched in
1962. BCG was used a main intervention with the expectancy of protecting
against TB. Free TB treatment was included with public-private partnership
(PPP). A fatal flaw in the TB control arouse when directly observed treatment short
course (DOTS) because popular and PPP was neglected. In 2012, when India
celebrated the golden jubilee year of TB control, the World Health Organization
(WHO) named India the worst performer among the developing nations.
India’s TB control pioneers
introduced the mass BCG vaccinations in that hope that it would protect against
infection by TB bacilli. In 1979, preliminary results of the 15 year long BCG
trail showed no protection against TB bacilli infection. But this much debated
results were ignored by then TB control leaders. In 1999, the final results
confirmed that TB control project had lost the tool of primary prevention. BCG
failed to protect against infection by TB bacilli, but protects against
infection progressing to the childhood TB. In 2000, Indian Academy of
Pediatrics called for major redesign of TB control, with alternative tactics to
prevent and treat infection before it caused disease. DOTS saves life from
mortality, but failed to control TB.
TB bacilli spread through air we
breathe making everyone at risk of infection. After infection, majority of us
remain well, but the bacilli is alive, latent or dormant causing 10 % to develop
TB disease sometime in adult life (In India, 15% are infected by 15 years of age;
40-60% by 40 years). Bacilli escapes easily to environment through spitting and
coughing when the disease pathology is in lungs (pulmonary TB) making the lung
TB a critical link in chain of transmission. This makes young children
susceptible to infection causing a serious life threatening disease called childhood
TB. Childhood TB is non infectious; so
treating it with the universal neonatal BCG vaccination has no role in TB
control.
One way to control TB is by
treating everyone with lung TB very early to break the transmission chain. But
this is in theory only; a person with lung TB is infective for many weeks and
by the time his sputum is tested positive he would have already infected children
in contact. So, even if we attempt to treat all the infected we can bring down
the infection rate. But, the target is to treat only 70% with DOTS!! And WHO
estimates that only half of the lung TB gets DOTS. So, we have a target like
this it’s not going to help India in controlling the TB. Moreover without PPP, it’s
highly impractical to treat all the patients with protocol.
Our TB control pioneers designed
for free treatment in public and private sectors. They designed a district TB treatment
model under PPP. Interesting thing is, TB control is a Central government
project whereas health care is State subject, so what happened? Private sector
grown exponentially and the TB control project failed to address is huge gap.
There are major factors
predisposing the disease like HIV, poverty, nutritional deficiencies and the
increasing Diabetes. In 1990, project review confirmed India’s failure to
control TB. When WHO declared TB as global emergency in 1993, Revised National
TB Control Programme (RNTCP) using DOTS was launched, but it took 13 years it
national wide as government saw no TB emergency in India. So, all those
fortunate who received DOTS the cure rate was high and the death rate declined.
For those who had extra pulmonary TB, sputum test will not be of help in
diagnosis and RNTCP is not interested in them as they do not spread TB bacilli.
So, the project illustrates an incomplete health and incomplete public health.
In Epidemiology, “Control” is
defined term – the disease burden should be reduced to a pre-stated level
within a stipulated time period and prove it to be due to intervention and
because of “secular trend”. TB should decline without specific interventions as
the socio-economic status increases – that is “secular trend”. But what’s the
situation is RNTCP has not set control targets in terms of time frame as well
as disease burden. So, it’s not measuring secular trend then how can we say it’s
a “control” in RNTCP?
The lesson from the other
countries teaches us that to detect and treat infected children so that the
latent bacilli are killed and children removed from the infected pool so, they
will not develop pulmonary TB as an adult which is a feasible move in India.
But this requires a redesigned TB control strategy. So for an effective control
both interventions, DOTS, and treatment of latent infection must fit together
tightly.
Economically India loses $23.7
billion on an account of uncontrolled TB; to address this we have RNTCP with a
budget of only $200 million. TB control is a human right entitlement and
investment in socio-economic development. Poverty leads to TB and TB worsens
poverty and poverty alleviation require TB control.
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