Author : Mohamed Esoof 1
Date of Publication :17th August 2017
Abstract: A novel method to use medical insurance instantly, in India is proposed. The method uses the Aadhaar card based authentication. Aadhaar card is the national identity card in India. Systems to store complete history of medical records of all Indian citizens in state based centralized servers have been already proposed. This paper extends that proposal to incorporate insurance claims instantly. The proposed system appends the information about the insurance provider’s identity to the state based server. Once a client requests medical service, his identity is authenticated using Aadhaar. Then, not only is his/her medical record, fetched from the state based server, the insurance provider’s identity is also fetched in a single stretch. If the client does not have any insurance then a null record is sent by the state server. After fetching the insurance provider’s identity, the health center’s server communicates directly to the insurance provider’s server to find the eligibility and claim limits of the client. If the client is eligible for insurance claim, then a message is sent to debit the charges for providing health service, and then service is provided. After finger print scanning, the complete process is computerized and hence, contacting the insurance provider and availing the claims is transparent to the client and is automatic. Major advantage of the proposed systems is instant access to insurance facility.
Reference :
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- http://www.who.int/topics/health_services/en/
- http://www.who.int/healthsystems/topics/deliv ery/en/
- http://www.who.int/ehealth/en/
- https://uidai.gov.in/about-uidai/aboutuidai.html
- https://en.wikipedia.org/wiki/Health_insurance
- http://www.unitedhealthgroup.com/
- https://www.cigna.com/
- M. Esoof, M. Asif and M. Raseen, "A Complete and Secure E-Health Delivery Service System For India Using Aadhaar Based Authentication", 61st IASTEM International Conference, pp. 13-16, Sharjah, UAE, July 2017