Because you have to be “poor” to be included in first phase. A good measure of that is BISP (as 80-85%) of its holders are poor (others political agents). Same happened in KP, in the first phase those families were granted this card who were registered as poor with BISP. At second phase then we included lower and upple middle class. Currently 69% of KP population have a sehat insaf card and it cost KP no more then 8-10 billion per year (extending to whole population will require 12 billion per year). So when we have full coverage of citizens then i guess we can work on NIC, untill then , lets call it Insaf card.
But, i had/have some reservations regarding KP sehat insaf card.
1. Limit of 560000 per family was verylow. Needed to be increased (thank god its increased to 750000).
2. Number of affiliated doctors, hospitals very low. Hence a patient have to wait for 3-4 months for an operation. The other reason behind this “delay” is that doctors and hoapitals dont see any incentive in serving Sehat card holders. So i recommend , increase number of full time Sehat card Hospitals and doctors. And set a limit/force for other hospitals (let say the patients they serve daily should be 50% of Sehat card holders and 50% others). This will reduce the delay in operations.
3. Abolish all other schemes for AIDS, Hepatitous A,B,C, thelesimia and other such diseases. And bring these diseases under Sehat card Umbrela. So that funds are better managed from one pocket and there is clarity.
4. A national data base of each citizens Medical history should be eatablished. Which can be accessed by authorized hospitals/doctors. And have full medical history of a person like previously treated diseases, any current disease like High/Low B.P, Diabeties etc. My father was admitted to an hospital and doctor prescribed us some injections. I randomly told him that my father have asthma. The doctor said “thank god you told me that. Because these injections could have caused him severe issues). So how many such incidents can be avoided by keeping patients record ? All i guess, . Good thing is that KP even started that.