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Monday, 24 October 2016


Cheap Insurance is beyond the Georgians’ means

2009-04-27 16:57

5/2/8/2528.jpegAccording to the Georgian experts, the program of available insurance, the source of Mikhail Saakashvili's pride, has failed. People are afraid to deal with the scandalous insurance companies. Besides, the cost of a five-lari service package promoted by Government turns out to be excessively high when multiplied by 12 months and the number of family members.


According to Commersant, the five-lari Insurance Program became another reason of confrontation between the insurance and medical sectors. The previous scandal was reported by Georgia Times in March. Since then, the doctors' mistrust in businessmen has not at all diminished. Insurers again started to assert that the doctors are turning the clients against them, thus impeding the implementation of the President's program. "The only impeding factor may be the inadequate reaction of the hospital sector, which tends to spread unreliable information instead of cooperating with us", - Nika Ramishvili, Director General of Arkhimed Global Georgia, expresses utter indignation as to the March scandal. At that time, several medical institutions refused to receive

patients from some of the insurance companies because of the accumulated sick pay debt.

The program developers did not take into account such small fact as the impossibility of the seriously ill patients and people with chronic diseases to take part in the program, which may also act as a break on the program implementation process. As Gizo Tsagereishvili, Director General for People's Insurance, stated to radio Commersant, attending to such clients contradicts the idea of insurance, which implies financial assistance in cases of emergency. That seems quite natural, for the insurance of people having a chronic disease diagnosis and requiring constant medical care is simply unprofitable for a private commercial organization. Only those having received a chronic disease diagnosis for the first time after signing a contract may count upon the full payment of the diagnostics and a three-month course of treatment by People's Insurance.

Let us also remind you that the government intended to involve 500 thousand Georgian citizens into the project by the end of June. However, as of April, 10, only 10 thousand clients have got a policy of insurance in all the companies participating in the program, that is, only two per cent of the plan. Thus, it being scarcely possible to catch up the remaining 98 per cent within a period of two months and a half, the media began to suppose that the term of the program implementation will have to be prolonged. Whichever turn the events are going to take, the experts have already drawn an unpromising conclusion that the failure of the Cheap Insurance program in a country facing a difficult social situation speaks in favor of people's mistrust in the government. This fact is reported by the Business Georgia portal referring to the Resonansi newspaper.

However, the figures do not seem to distress the Ministry of Health. The officials are sure that the implementation of the President's initiative is in full swing of a successful implementation. "As soon as the number of those wanting to get an insurance policy exceeds half a million, the budget is going to be replenished", - Nikoloz Pruidze, Deputy Minister of Health of Georgia, stated optimistically.

Insurance companies also try to avoid admitting the fact that the Cheap Insurance program is failing. According to radio Commersant, Aldagi has already issued medical service packages for 1 700 citizens within the program. Over 6 thousand citizens have effected insurance policies in GPI Holding; the company reports a growing tendency in the insurance package selling. "We hope that by June, 30 we will have the maximum number of citizens insured", - the company officials say.

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