Telemedicine in India to be covered by Health Insurance

Telemedicine in India to be covered by Health Insurance

Telemedicine in India to be covered by Health Insurance

Telemedicine in India, Telemedicine and online consultations have become the obvious choice for everyone in the current spread of Covid-19.

Pratiksha Gupta speech therapist

The Insurance Regulatory and Development Authority of India (IRDAI) has asked insurers to allow telemedicine wherever regular medical consultation is allowed, in the terms and conditions of medical insurance policies. Insurers have been asked to allowed telemedicine as part of the claim settlement of their policies.

With the pandemic on the rise, Telepractice or Teletherapy, also commonly called as Online Speech Therapy has become an obvious choice for therapy providers and consumers. But it’s interesting to note that Telepractice is NOT A NEW NORMAL across many parts of the world.

Telepractcie is a 40 year old science and has become increasingly popular and acceptable over the years.

This is a good news for those families who are availing online sessions.

Read here to know why online therapy can help you.

Here are the guidelines issued by IRDAI on telemedicine for all general and health insurers:

1. Medical Council of India has issued ‘Tele Medicine practice guidelines’ on 25th of March 2020, enabling registered Medical Practitioners to provide Healthcare using Tele Medicine.

2. In the above background, insurers are advised to allow telemedicine wherever consultation with a medical practitioner is allowed in the terms and conditions of policy contract.

3. Telemedicine offered shall be in compliance with the Telemedicine Practice Guidelines dated 25th of March 2020 and as amended from time to time.

Speech therapist taking session

4. Provision of allowing telemedicine shall be part of claim settlement of policy of the insurers and need not be filed separately with the Authority for any modification. However, the norms of sub limits, monthly/ annual limits etc. of the product shall apply without any relaxation, as per the guidelines.

Telemedicine is an umbrella term and also includes Telepractice, which is online speech, language therapy for people with speech and language difficulties. With the onset of the information age, consumers are also willing to try new solutions if it solves their problem effectively in a convenient and affordable way. More specifically, there has been a tremendous increase in demand of telemedicine for healthcare service globally.

Therapists in India are not only using telemedicine to reach rural areas where such services are not available but also to reach Indians living abroad!

Telepractice in India

Teletherapy for communication disorders was started in organisations like All India Institute of Speech & Hearing in the government space and by 1SpecialPlace in the private sector. More specifically, there has been a tremendous increase in demand of telemedicine for healthcare service globally.

Telepractice has advanced from a curious way of clinical communication to a mainstay in clinical Speech Therapy services!

Read more  here 

1SP Admin
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