Collective Auroville Health Fund
For some time now the Auroville Health Care Group
and the Economy Group have been studying possible ways to take care
of the costs of hospitalisation and other medical expenses of all Aurovilians
and Newcomers. Various options have been thoroughly looked into, including
going to an outside insurance company.
The Auroville Health Fund
The Auroville Health Fund would be set-up as a co-operative insurance system. This implies that all the income of the Auroville Health Fund, which would come from contributions, would be used to cover the medical expenses of those who have agreed to participate. If, at the end of the year, there were any money left over in the Auroville Health Fund, that money would be carried over to the next year. In the case that there were no money left over by the end of the year and the Auroville Health Fund had more expenses than income, the deficit would be shared proportionally among all the participants. This means that every participant would pay a bit extra in proportion to their yearly contribution. For example, if the total income of the Auroville Health Fund is Rs 40 lakhs, and there is a total deficit of Rs 10 lakhs and a person has contributed Rs 2,400/- per year, the extra contribution required by the participant would be Rs 600/-. In this way the community would carry the medical costs of all Aurovilians and Newcomers together.
It is proposed that initially the contribution for
each Aurovilian and Newcomer of 18 years and older would be Rs 200 per
month and the contribution for each Aurovilian and Newcomer below the
age of 18 would be Rs 100 per month.
The Auroville Health Fund would also fundraise for donations to cover exceptionally high medical expenses, which may arise from time-to-time.
Those who already have health insurance could join the Auroville Health Fund at the moment their insurance expires. Alternatively, they could also immediately join the Auroville Health Fund. But in that case only the costs of medical expenses that are covered by the Auroville Health Fund but are not covered by the insurance would be reimbursed.
Medical expenses not covered
According to the research done it appears that at the above rates of contribution it would not be possible to cover all expenses. As we feel that they are the maximum the community could support at this time, we propose that certain medical expenses will not be covered by the Auroville Health Fund. These expenses are those listed in the annex to this note.
Participating would imply:
1) authorising the transfer of the monthly amount
required either from the individual's or the unit's account with the
As a general rule, participants would be expected to visit a doctor of any of these institutions only after prior consultation with a doctor from Auroville mentioned in the annex.
There would be an office where participants could register and request advances and reimbursements from the Auroville Health Fund. In order to be eligible for an advance or reimbursement, the participant would have to produce a duly signed prescription for medicine, treatment or tests from an Auroville doctor and/or from one of the above-mentioned hospitals/clinics in Pondicherry as well as the bills or estimates. If it is clear that the request was covered by the conditions of the Fund, the funds would be transferred to the relevant account at the Financial Service. In the case of any doubt, the matter would be referred to the Health Care Group whose decision would be binding.
The Economy Group would have an overview of the
income and expenditure of the Auroville Health Fund.
For further information, contact: firstname.lastname@example.org
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