Members of New Life are linked to Social and Group Insurance Products of
HDFC Standard Life Insurance Company,
ICICI Prudential Life Insurance Company,
ICICI Lombard General Life Insurance Company,
LIC of India,
Star Health and Allied Insurance Company Ltd &
United India General Insurance Company Ltd,
The risk cover provided to the target population includes life cover, household asset cover, accidental death cover, partial/full disability cover and child cover.Besides this conventional risks covered, our NGO has designed a Innovative Insurance Project for terminally ill patients with pre-existing diseases.The details of this ongoing project is given below:
Providing Social Security Cover to poor from Critically Ill diseases living in the Rural Areas of Trichirappalli, Perambalur and Nagapattinam Districts in 2008-2011
1. Project Synopsis:
Our NGO with its presence in the project area for more than 14 years now will identify the eligible persons with the help of the community. Awareness programmes will be conducted in all the project areas. The interested persons will be issued a health insurance policy by the Star Health & Allied Insurance Company Limited. The specially designed policy tailor made on the request of our NGO has a exclusive provision to treat patients with chronic ailment until they are declared as terminally ill. Once they are declared terminally ill, the insurance company will pay the sum assured for the policyholder.
At this juncture, our NGO as per the tie-up we had organized along with SHANTHALAYA – a trust promoted by few philanthropists which includes a Doctor from G.V.N.Hospital, Trichirappalli. (established in Trichy in 1939) These patients will be transferred to a Auspice Centre run by the SHANTHALAYA Trust and the nursing and feeding will be done by the skilled and experienced professionals of G. Viswanathan Hospital / G.V.N Institute of Oncology.
2.Project Plan on Geographical coverage for the period
2008-2011 (Block wise):
|
year
|
Total outreach
|
PIC outreach
|
MIC outreach
|
District
|
Proposed geographic areas(Block)
|
|
2008-2009 |
1200 |
600 |
600 |
Trichirappalli |
Trichirappalli(Urban) |
|
|
|
|
|
|
Musiri |
|
|
|
|
|
|
Andhanallur |
|
|
|
|
|
|
Lalgudi |
|
|
|
|
|
Nagapattinam |
Nagapattinam(Town) |
|
2009-2010 |
1200 |
600 |
600 |
Trichirappalli |
Trichirappalli(Urban) |
|
|
|
|
|
|
Musiri,Lalgudi |
|
|
|
|
|
|
Andhanallur |
|
|
|
|
|
|
Mannachanallur |
|
|
|
|
|
|
Pullambadi |
|
|
|
|
|
Nagapattinam |
Nagapattinam(Town) |
|
|
|
|
|
|
Thirumarugal |
|
|
|
|
|
|
Thalaignayiru |
|
|
|
|
|
Perambalur |
Perambalur(Urban) |
|
|
|
|
|
|
Kunnam |
|
|
|
|
|
|
Veppur |
|
2010-2011 |
1200 |
600 |
600 |
Trichirappalli |
Trichirappalli(Urban) |
|
|
|
|
|
|
Musiri,Lalgudi |
|
|
|
|
|
|
Andhanallur |
|
|
|
|
|
|
Mannachanallur |
|
|
|
|
|
|
Pullambadi |
|
|
|
|
|
|
Thottiam |
|
|
|
|
|
|
Manikandam |
|
|
|
|
|
|
Thiruvarambur |
|
|
|
|
|
Nagapattinam |
Nagapattinam(Town) |
|
|
|
|
|
|
Thirumarugal |
|
|
|
|
|
|
Thalaignayiru |
|
|
|
|
|
|
Kivelur |
|
|
|
|
|
|
Keelaiyur |
|
|
|
|
|
Perambalur |
Mayiladudurai |
|
|
|
|
|
|
Perambalur(Urban) |
|
|
|
|
|
|
Kunnam |
|
|
|
|
|
|
Veppur |
|
|
|
|
|
|
Jeyangondam |
|
|
|
|
|
|
Ariyalur |
|
|
|
|
|
|
Sendurai |
3.Project Plan for the year 2008-2009 (Villages to be covered)
|
Year |
District |
Proposed geographic areas(Block) |
Villages |
|
2008-2009 |
Trichirappalli |
Trichirappalli(Urban) |
Ariamangalam, Kajapettai, Uppuparai, Sathyamoorthinagar,Vamadam, Kodappu. |
|
|
|
Musiri |
Manjakorai,Kallur,Amoor,Gunaseelam |
|
|
|
Andhanallur |
Vayalur ,Somarasam Pettai, Mullikurumbur, Ettarai, Koppu |
|
|
|
Lalgudi |
Valady,Lalgudi,Manakkal, |
|
2008-2009 |
Nagapattinam |
Nagapattinam(Town) |
Akkaraikulam, Akkaraipettai,Vanjur, Muppaththikottam |
4. Key issues that the proposal strives to address
The project with the support of CARE India proposes to address the following issues:
1. To cover the risk of providing care for terminally ill patients and thereby relieving the stress of the family members of the poor community.
2. To avoid the risk of not treating them with compassion and comforting atmosphere in the event of possible eventuality
3. To cover the risk of non-provision of quality permissible food
4. To ensure a painless journey of the discontinuation of the medical treatment till their last breath
5. To provide palliative care and pain management
5. Innovative process that the project proposes
The project intends to give an opportunity to the poor living in the rural villages/ urban slums to have insurance services on the health related hazards. The innovative product designed now to cover the chronic illnesses of Cancer,Diabetese, HIV, Cardiac related problems, Renal failure, Hepatic failure, Coma and Brain hemorrhage are hitherto not covered by any insurance products/companies.
The tie-up for terminally ill patients for palliative care is also new and innovative in the region.
Other useful links:
|
