Health insurance scheme should be introduced to the
country. In a state there are four elements i.e. state a geographical
territory, population, government and sovereignty. God Almighty has
created man in the best form. Man is the agent of causing major changes
on the earth. We may call it an artificial change but most of the body
part of the human being is controlled by the sympathetic nervous system
i.e. are beyond the control of human will. Does it help in a way to
understand the coherence of thought processes for analyzing and reaching
a conclusion? In the state we are going to consider him physiological
being only and will extend health insurance scheme for that part of him.
Government is people and population is people.
Anything that is done in a territory of the state can be done for the
benefit of the people inhabiting it. Government is to decide justified
distribution of the resources among the people. Sovereignty is looking
after the justified implementation of rules.
Health is a basic necessity and must be provided to
every individual of the state, wherever and whatever he is. A healthy
man contributes better to the productivity of the country. It,
therefore, must be free or at a minimum cost. Infrastructure made for
this basic need can prove of enormous benefit to the overall planning
and administration of the country. To provide proper health services to
the nation, we must have proper availability of data, of the resource,
manpower, and its demographical placement. This knowledge is extremely
valuable for the planning of the country for optimized resource
deployment and calculated results of the efforts. By proper planning we
can start the process of collection of human resource information and
improving their health. Since this need comes after the provision of
water and food, air being always freely provided, (by the God Almighty),
without any effort on this earth.
WHAT IS THE HEALTH INSURANCE SCHEME?
person in the country should be benefited by the scheme, irrespective of
being rich or poor. Health should be considered equally important as air
should be extensive out patients department for every 5000 patients
3. Each OPD
must be linked to a district/subdivision headquarters hospital for
required treatment or hospitalization, if needed
4. Each doctor
should be given plot of 300 to 1000 yard depending upon locality and
free by the government under Health Scheme.
5. A doctor
should be given a annul remuneration of Rs. 200,000 to 500, 000 per
annum gradually for himself, a ward boy and a nurse.
6. A loan of
Rs. 20,00,000.00, two millions for the construction of OPD, recoverable
over 25 years and with least interest, in quarterly or half yearly
installments, it should be interest-free if possible.
7. A telephone
and computer should be provided to keep the record of registered
patients, attending patient and ailment and treatment as well as link
with hospitals and patients.
should be linked with a central database of the Group Life Insurance
Company and OPD should transmit data regularly on hourly basis.
9. The linked
hospital should be provided with all the facilities to attend most of
the patients' needs and arrangement for respective transit of the
patients to better facilitate hospital when needed.
individual should pay Rs. 1000/ per year. Family head should be
responsible for payment of premium for every individual of the family.
b. If the
family is poor the premium should be collected as donation for the poor
family. This is from the rich part of the nation side. The entire nation
should participate in the task. This is going to be genuine benevolent
fund for the nation. '
amount should be segregated from the federal government budget for the
should endeavor to get grant for the same on international level. This
will help in providing best possible medical facilities to the nation.
should be regular addition to the fund every year. There is possibility
of interest-free loans and grants for this scheme.
of lottery tickets properly arranged by a dedicated body may also
HOW TO GET STARTED
Following bodies need to be created:
Collection and Generation Body
Selection Construction of OPD Body
Construction and Rebuilding Body
Collection and Integration Body
The above jobs can be assigned to a Group Life
Insurance under the supervision of the government.
1. All the
Health Ministries of the Provinces should unite to form a single Federal
Ministry. Two of the above job b and c can be taken care of by the
Ministry, along with generation of funds by grant, loan or charities.
This, however, should be single Health Fund.
should select a site of 300 yards in busy urban areas and at least 1 to
2 acres in rural areas for the OPD's. This selection will be on the
basis of 5000 patients only. In urban areas multiple OPD's can be
grouped at one location.
appointed for these OPD's must be provided with telephones and computers
to keep the records of the patients, medicines available and consumed,
ailments of the patients, diagnoses and treatment given.
computer should be a part of the centralized computer system with health
insurance number as the identification key to be used everywhere. So
that transit of each patient to next stage must be clearly visible for
next treatment and care.
Insurance Number must be unique through out the country. This is
extremely essential for the health of the patient as well as for the
country. This number can be used for many planning purposes for the
government. Since it provides the idea of the human resource of the
country, their geographical placement, health, causes of death,
education, tax status, ID Cards, Passports. It can provide a
comprehensive look of the life of an individual, his successes, failures
and achievements in life. Rate of mortality and growth can be seen for
geographical units and resources can be justifiably diverted for the
improvement of the respective area or areas.
6. The data
can be shared and enhanced as required by the other ministries. A
concept of block budget for the country can be used to enhance the
progress of the country with comprehensive central control to avoid
pilfering, leakage or misuse.
7. A body for
collection, integration and information about the where about of the
patient, status of health, diagnosis, prescription should be started
immediately to set their respective program/software with the first
opening of the OPD.
SPLIT INTO MULTIPLE PROJECTS
Six months should be given for fund collection after
issuing the proper order for implementing the scheme. In this time
software should be ready. After six months planning for the respective
dispensaries should begin. The process can be started simultaneously for
as many location as the funds permit and should be completed for the
entire country with in two years. There are multiple projects like
Software development, Selection of Site, Selection of Doctors and staff
Most of the tasks can be initiated in parallel and
can be completed in the first year. From second year onward will be
implementation stage. Since it is repetition of standard work, it can be
supervised and controlled as a multi-project. The next two years will
consolidate the task and will help to guide and enhance the planning
part of the country. Many tasks will streamline the country's economy,
tax structure, land calculations, water assessment, power generation,
distribution and waste, idea of production, expenses and resources of
the country. We will discuss the individual topic one by one to have
more clear concept of the implementation.
DEPARTMENT OF INTERNAL AFFAIRS, ID CARDS AND PASSPORT
Department of Internal Affair can make use of the
data by enhance the data further to add requisite fields or create new
relations with National Health Insurance Number as indexing key. The
basic data will be available; adding more requisite data field as
separate entities, will make it very useful for this department. It can
be used for Identity Cards and Passports. The data base can be
programmed to intimate, rather, prepare Identity Cards for those persons
who will be acquiring specified age in a month time for issuing the
identity cards. The ID Cards can be issued with congratulations by the
Head of the State on their birth day and acquiring the age of maturity
and responsibility to serve the nation. This can be a regular job and
burden for issuing ID Cards and passport can be minimized as no
application will required to be filled or any other hassle.
If the department does its job with due planning, it
perform its functioning without wasting effort in unproductive pursuits.
The departments will have the idea of the population. Data can be
arranged to get the information about rate of growth and mortality, per
capita income, GDP etc.
The department can be planned to execute such jobs as
the employment, education of the people, their location and their
placement closer to their residence.
DEPARTMENT OF PLANNING
The department of planning will have the following
information available with little effort. Geographical placement of
human resources, availability of facilities to these resources, like
education, roads, bridges, means of communications, the products of the
areas and means for distributions etc. the information will be available
for each square miles of the country and the present status. So it will
be easy to suggest a development plan for areas where it is really
necessary. The prepared proposal will have comprehensive data to
substantiate the suggested plans. They can further match it with the
budget and suggest a priority level for the benefit to the country and
With little more research and study, it is possible
to come up with the suggestions which are consistent with the
environment, skill level, agricultural produce and suggesting ways to
add value to the products by small mechanical means.
The department can further assess the result of its
efforts and find exact figure for its contribution to the national
progress. They can have foresight to the development of all the areas
with a justifiable sequence. Audit check and control will be part and
parcel of the honestly implemented system. The planning can be made for
ten, twenty even more years and change of people will not affect the
progress of the country.
DEPARTMENT OF INCOME TAX
Income Tax department can ensure realistic assessment
of the taxable products and persons. It is possible to link tax with the
produce of the country, which should result in more harmonious
environment for both Tax Department and Tax payers. With this
availability of data there is every possibility that the genuine tax
will be recovered from a large base of tax and will encourage government
to lower tax rate. The tax slabs can be enhanced with calculated and
sure results, with little efforts, of course.
DEPARTMENT OF INFORMATION TECHNOLOGY & DATA
Department of information technology should focus on
integrating the data and facilitate requisite addition of data for every
department. The department should further work to provide facilities to
capture other information about the country and foreign affairs. It can
also provide work group facilities to the group whose members are quite
away from each other, distance wise but can join hands with their
expertise for a particular task i.e. geographical distances can be
eliminated for collaboration of expertise. Another role of the
department should be to update every department about the constantly
adding facilities and how they are useful for various departments.
DEPARTMENT OF DEFENCE
The department of defence is very important for a
country. The data collected so far can be comfortably used with further
addition of the requisite fields can be segregated into forces among
Army, Navy and Air Force. A comprehensive knowledge about each force can
be developed. This will be very useful for the Head of the State to know
his country's strength and weakness. The department should further add
information about other countries of the world to make a comparison and
need for development in a specified field. The information can be made
protective from rest of the unrelated people and world. But the exact
knowledge will help in the development and acquisition of resources in
genuinely needed lacking field so that the country should be empowered
to face the biggest enemy in time of need with well directed efforts.
DEPARTMENT OF LAND AND REVENUE
Department of Land and revenue can have clear idea of
the land, ownership of the land, agricultural land, residential land,
their occupant, and revenue that is generated through levying taxes. The
department can have the idea of canal, rivers and their outlets for
drinking and agricultural purposes. Water wasted in the sea can also be
calculated. The storage of water can be planned to avoid wastage. The
sources of sweet under ground water can be identified. The sweet water
can be added to the canals or rivers for agricultural use. Saline water
can be treated to make it softer and useful. Cost and benefits of the
effort can be evaluated for preparation of feasibilities and their
implementation. The relevant information can be made available on the
web site of department for benefits of the public use. Independent of
the government efforts of the individuals will increase the
productivity. The effort of the department, even if provided free to the
public will help generate taxes and more revenue for the country as a
reward of research of the department.
DEPARTMENT OF WATER, POWER, PETROLEUM AND GAS
As discussed under the department of Land and
Revenue, the national health insurance data can be enhanced by the
department to generate another aspect of the knowledge and information
about the country. Yet another use with further extension of data is for
water, power, petroleum and gas. It is possible to evaluate the
residential use of power. The generation of power can also be evaluated.
The distribution of bills can give the exact figure as to how much
power, water, gas, is generated, billed and wasted. If the wastage is
more than genuinely expected limits, it can be verified and corrected.
This will result in proper evaluation of the cost and consequently
cheaper power to the consumers. Rise in prices can be controlled and
wastage is minimized because of the knowledge of the geographical
placement of the human resources, power generating units can be
dispersed more close to the needed location to avoid losses and make it
cheaper to be used both for home and industry. A single utility bill
will be possible, if needed. However, a report about individual bills
can be comfortably compiled.
DEPARTMENT OF TRADE AND COMMERCE
The data can be made useful for the trade and
commerce. By exactly knowing the location of the produce to be supplied,
trade can be initiated from the nearest location for shipment to the
destination of demand. It is possible to calculate the demand for a
particular geographical location for certain products of a specified
area. So it can be supplied to the desired location directly instead of
transporting it to multiple locations, which results in heavy cost and
deteriorated product. Trade and Commerce department should not only be
aware of the product of the country and its utility with in the country
but should also collect information about other countries which will be
in demand for their products, The information researched and synthesized
on a web site for public use may result in much better and progressive
economy. The faster means for information and transportation can lead to
lesser turn over period, this will enhance the utility of money with
better rate of return. Each department is working symbiotically for the
progress of the country, time, situation, means of transportation,
timely supply of the demanded commodities will raise the progress graph
in a very encouraging way.
DEPARTMENT OF INDUSTRY
Industry plays a very important role in a country.
Some of the industry is essential to add value to the raw material of
the country, The raw material of the county may be agricultural produce,
minerals, adding value to raw material of some other country,
intellectual or high tech products. Each part is essential for uniform
development and to be at par with the developed countries. The data can
help evaluate the existing industrial, market of the country as well as
international market. The size of the industry can be planned
accordingly. If there is need for man power export some of the industry
may not contribute much to the economy of the country directly but can
be a way for developing manpower for export. The quality of this
manpower must meet the international standards. This, sometimes, may
become a good source of foreign exchange income. So all sort of
industries must be carefully planned. The National Health Insurance data
can be used for development of man power and market research. This can
further assist in predicting the performance of an industry in the
DEPARTMENT OF EDUCATION
The data collected for health insurance has the
capacity to be used for evaluating the education level of the country.
Geographical position of the schools, colleges, universities and their
curricula with variations can be extracted with requisite entity
addition to the database, Information technology is so well developed
now that it is possible to have uniform curricula for urban and remote
The way of learning and teaching have been developed
to such an extent that traditional method of learning are exceedingly
slow process in their comparison. New techniques should be used to
enhance learning process. There should be constant improvement in the
curricula to be at par with latest requirement of the education. The
curricula of the university should be made according to latest trend in
teaching. If they see the courses of the developed countries, they will
be amazed at how far behind they are even from the weakest of the
foreign universities. If we keep on imparting such type of knowledge,
and that even in traditional ways; there is little chance of
improvement. The data for the human resource will be available by making
use of the latest techniques, it is possible to develop faster and
geographically uniformly educated and skilled manpower. Initially, we
might have to copy what is available but must keep it in mind to develop
our own means to such an extent that the outer world feels our genuine
contribution to knowledge. Our way of learning and teaching should be
inspirational for the rest of the world. Teaching faculty is also a
field for trained manpower exports. Today education is knowledge plus
skill. The concept of the National Health insurance data provides enough
means to impart knowledge and skill to the students where ever they are,
only the course material has to be designed this way. Since it is
interactive way of learning, the time for learning and acquiring skill
can be reduced substantially.
DEPARTMENT OF SCIENCE AND TECHNOLOGY
The science and technology is backbone for the
development of a country in the present era. The data about human
resource, their education and performance will be available. It is
matter of selecting right people for the job. At the same time it is
imperative to select the right projects/topics for research. Technology
should be developed for the country in which country really can excel in
the rest of the world. Presently research must be started from the best
possible practices and making improvement in them so that we can come up
with superior products. Embedded systems are getting fast response and
have better marketability. If our research is initially for better
economic prospects, in the way we are bound to come across thought
processes to know the real laws behind some happening. It was Newton,
who observed the phenomena of falling of an apple on his head and
thought out about the gravitational force. The force, of course, existed
prior to his existence. There is still lot to learn and explore.
Internet provides information about every conceivable thing by human
being. It is for us to collect and relate things to reach some
DEPARTMENT OF FINANCE
The data for the human resource of the country can be
made transaction based both human and department wise. This will help us
to identify opportunities, resources, performance and development of our
country. The concept can make the entire process of income and expense
highly transparent and each individual answerable to each other. This
will be country for the entire nation. Each individual contributing to
the progress of the country and seeing his performance recorded.
Transaction based economy might result in freedom from expenses on many
departments, still it will be more human and mature society. All sorts
of ratios about the performance of the individual department and their
collective effect can be derived. We can be sure of the operational
expenses with a fair chance of comparison and results. This will further
help us identifying more lucrative ways to develop productive
procedures. It will also be possible to get information about the
performance of any individual of the country with complete accuracy.
DEPARTMENT OF FOREIGN AFFAIRS
The data about the country will be extensively
available, through the above procedures. The infrastructure will be laid
for getting information about other countries It needs to segregate the
relevant information about other countries This is further possible to
compile and arrange information about other countries in a systematic
manner to derive conclusion for their relationships, trade, commerce and
Other departments like Administration, General
Services, Law, etc. can also be integrated in a similar fashion. A main
central department should control all the other departments. This
department should have data and information about all the departments.
The information should be made available to the Chief Executive or Head
of the State for Just decision making. He should also be provided
complete simulation about the pros and cons of the decision before
COST OF THE PROPOSAL
The cost of the proposal for health insurance is Rs.
1000/per person for the country. The equipment can be leased; the
premises can be hired initially for OPD. Only 0.1% will be the cost of
software development for the initial set up. Funds can be generated by
the procedures suggested under para 2. Once started, the cost of
software/hardware will be recovered shortly through the benefits and
streamlining of the procedures. There will, otherwise, will be lot of
saving in terms of time and money with fruitful and straight forward
decisions. The enhanced productivity due to less time required for
preparation of meeting due to the help of instantly available data.
The total cost of the project for the entire country
with comprehensive change in all the departments will be within the
budgets of all the departments. It will be matter of streamlining the
procedures and getting trained to make use of the available data to
generate useful information. Some cost might have to be spent on
information technology department for integration of data from different
departments. It of course will be nominal comparing to the benefit it
will render in return. So total cost will only be the sincere
implementation for the cause of nation. Do just one good thing for the
entire nation and rest of the good things for the nation will be it's by
Pakistan will be a completely different economy in
next ten years. With honest dedication, our country can be placed in the
developed countries line in this period.
Head of the State will have all the information about
the country on his desk top all the time. With in a few years, Chief
Executive of Pakistan will be most informed person about his own