Nepal Observes 10th Health Insurance Day

Kathmandu. The 10th Health Insurance Day is being observed today with various programs. The slogan for this year's event is 'State investment, citizen contribution, health insurance is a shared campaign'.

The health insurance program is a significant social security initiative introduced by the government under the concept of providing financial protection by pre-managing the risks of unplanned expenses during health service utilization. Launched in 2072 BS as a social health security initiative to ensure quality healthcare for all, the program is currently operated by the Health Insurance Board.

It is stated that this program will play a crucial role in moving Nepal toward universal health coverage and achieving the Sustainable Development Goals by 2030.

The Constitution of Nepal guarantees basic health services as a free right and a right to social security. Article 51 (h) of the current Constitution, under the policy regarding the basic needs of citizens, mentions ensuring health insurance for citizens and arranging access to medical treatment.

The Health Insurance Act, 2074 was enacted to protect the rights of citizens to receive quality healthcare, reduce the financial risk of the insured through pre-payment via health insurance, and ensure easy access to health services by enhancing the efficiency and accountability of health service providers.

The passage of the Health Insurance Regulations, 2075 is considered a significant milestone in further organizing this work. These regulations have doubled the current benefit package and provided for health insurance worth Rs 100,000 annually for senior citizens as a separate unit, with the government covering the premiums. Additionally, the Board stated that it is mandatory for the entire organized sector to contribute one percent of their income to be enrolled in the insurance.