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Health Care Leh Bajaj
By : vanglaini – 19.04.2009

Mizoram hian Bajaj tih lampang buaipui hi kan ching a, kan buaipui hmasak khan nu-ho an buai deuh berin a lang a, zirlaiten an tuar a, Kohhran inkhawmte pawh a nghawng an ti a, kha chhungkaw buai zet mai chanchin kha office leh Bazar-a nu-ho titi ber a ni a, tunah chuan Kasautii Serial film a tawp ta a, kan pangngai leh dawn chauh a, Bajaj dang kan buaipui leh ta.

Tuna kan buaipui mek hi chuan politics leh mi retheite hriselna, thih leh dam a khawih thleng ta a, cheng vaibelchhe 10 lam thil a ni ta daih mai. He thil leh a chhehvel thilte hi ka han sawi ve teh ang.

Health Care Scheme kan tih hi
He Mizoram Health Care Scheme hi sawrkar hmasa-in populist policy an kalpui, khawi ram leh khawi state mahin an tih ve kan hriat loh, scheme duhawm taka lang, huaisar tak a ni. Ram hausa leh changkanga Health Care leh Insurance an tih reng reng hi, kan hriat ve chinah chuan, mipuiten chhiah rit tak tak an pek atanga an ruahman a ni a, New Zealand-ah phei chuan Rs.1,000/- hlawhin chhiahah Rs.400/- vel an pe a, chumi tling khawm atang chuan kawng, eng, tui, zirna, tar pension, damdawia inenkawlna leh mipui mamawh dangte an pe a ni.

India rama state hausa leh changkangte pawhin tuna kan tih ang Health Care Scheme hi chu an nei lova, keini hi zana thil ngaihtuah a, a tuka puang phut mai thin, a chhehvel leh a nghawng tur ngun taka ngaihtuah lem lo, ‘pragmatism’ awm hauh lova chet ching kan ni a, “EVM an hman leh chuan MP thlan kan boycott ang” ti phut mai, a hnua boycott leh lem lote thluak atang tho khan he scheme hi a lo chhuak a ni. Mahse kan inhmeh tho.

Khawvel khawiah mah zu leh nawhchizawrh hi khap theih a ni ngai lo tih hre reng chunga khap lui tlat, vai ram leh sap ram zawng zawngah zu zuar chungin an buai lem lo tih hre reng chunga buai bik dawna inhre tlat kan ni a, ram hausa leh changkang te, state changtlung leh phuisuiten an tih ngam loh pawh vote lamah a hlawk ringin kan ti leh ta a ni mai. (Oops, we did it again!)

Kan han ti ta chiah a, buhfai thlawn sem leh Health Care Scheme tlinpui tumte chuan an rin ang chu an nihpui ta lo hle a, 1998 inthlan dawna District 5 hawngten thatpui an inbeisei a, MLA 6 chiah an nei ta ang tho kha an ni a, tuna mite phei hi chuan buhfai thlawn sem leh Health Care Scheme bakah kawisurutin District thar 3 an han puang ngawt mai a, an puan zat chiah, MLA 3 chiah an nei a nih hi. Thil lem leh ruak hi mipuiin kan hria a, a kawrawng hi kan hai tawh bik lo. Tuna mi pawh a lem a nihzia chu, hei tunah pawh buhfai thlawn sem leh Health Care Scheme chu a tawp ve ve der tawh a nih hi. Sum bo zawngin kan buai a, zawng hmu ta cheng, a lo awmna-ah kan ngaih a tha leh lova, a dahtute lah chuan chawimawi tlak niin an inhre lawi a, a thenin, “Beram zawngin thlalerah ka kal dawn” tihte an han ngaina thar leh a, a thenin “A hmel hmuhtirtu dang a ni leh mai ang” an ti thul. A hrehawm hle mai.

Sum kan hmang puk em?
Mizoram hian Asian Development Bank (ADB) hnenah loan a dil a, chu loan proposal chu “Mizoram Public Resource Management Program” tih niin ADB loan number 41,607 a ni. He loan hi US dollar maktaduai 100 tur a ni a. He loan-in a tum ber tur chu Mizoram sawrkarin sum leh pai a hman dan leh deh chhuah dan ‘siam that’ leh sawrkar laipui ring ringawt lova mahni ke-a dinna kawng a zawn theihna tur ruahman a ni ber a.

Education leh health sector-ah, a bikin ruahmanna thar siama hmasawnna atana heng sector hnathawh dan effective zawka ruahman a thlur bing bawk. He project-in hrin chhuah a beisei chu a ngai ngaiin project document-a a inziah danin:

“The outcome that the Program seeks to attain is greater fiscal space resulting from: increased tax and non-tax revenues, (ii) rationalized expenditures in areas such as pensions, public sector enterprises as well as by adopting MTEFs in health and education, (iii) debt restructuring, and (iv) improved services in two key sectors (health and education) in a cost effective manner.”

Fiscal space tih hi sawrkarin ram hmasawnna atana hnathawhna tur sum a thawh chhuah or ruahman theih zat tihna a ni. He project hian Mizoram hi ‘leiba sawrkar’ atangin ‘intodelh sawrkar’-ah siam a tum tihna a ni ber awm e. He project hian component hrang hrang a nei a. Tax and non-tax reforms (revenue side reform) – US dollar mtd. 2 debt management – US dollar mtd.46 million, public expenditure management US dollar mtd.3 million, service improvements in health – US dollar mtd.25 leh education US dollar mtd.15 te, pension reforms – US dollar mtd. 2, public sector enterprise restructuring – US dollar mtd. 1 te a tel a ni.

Public debt management leh health sector hi ngaih pawimawh bik niin sum leh pai pawh dah hnem bik a ni. Public debt bikah hian an tum ber chu debt rationalise leh high cost debt te rulh zawha a leiba phurrit (interest payment, principal payment etc.) tihfihlim a ni a. Health lamah hian chuan insurance policy kan neih lai a that tawk (sustainable) loh avangin ruahmanna siam that a, health insurance policy tha (sustainable) deuh ruahman leh investment policy siam that a ni ber awm e.

Mizoram Health Insurance kal mek hian chuta pawisa lo lut tur vauchher chuan sum an lo hmang lawk ta ringawt mai a, amaherawhchu heta sum lut tur hi a nihna tak (proposed dan)-ah chuan “CORPUS” fund-a hman tur a ni. Loan dil mek sum lut tur lo hman lawk mah hi a dik tawh loh nak laiin an sum lo hman puk chu loan-a sum ruahman “corpus fund” or capital investment anga hmang lovin an sem ta chur chur mai a nih ber mai chu! Hei hi dik ta lo rapthlak tak chu a ni.

A nihna ang takin hman ni se, Mizoramah US dollar mtd. 25 te chu capital investment-ah hmang ila chuan ram pumin sustainable community insurance policy kan nei thei ngei tura ngaih a ni. A sema sem a nih erawh chuan kum 5 bak a daih a rinawm loh. Tin, loan hi rulh leh tur a ni ngei dawn bawk. Special category state kan nih avangin Central-in a tam zawk hi grant angin min rulhsak ngei ang, mahse US dollar mtd.1 pawh hi tlem lo tak a ni. Loan min petute hian lo hman lawk ngawt mai hi an remtih loh phah maite pawh a hlauhawm thei mai thei e!!

Kawng siam nan World Bank loan US dollar mtd.100 kan la tawh a, a tir atangin mipui awareness a tha lova, hei vawi hnih zawh hun extend a ni tawh a, tun tum loan hi kan tihfuh loh leh chuan International Development Funding Agency-te hian loan pek tlak-ah min ngai tawh lovang tih a hlauhawm khawp mai.

Duhthusam-ah chuan project lian tham reng reng hi Department-in enkawl lovin independent project management team “Special Purpose Vehicle” din ni se, he agency hian Department hrang hrang Co-ordination pawh titel nghalin Project Director, Secretary rank officer, mi thiam tak dah ni se a tha-in a rinawm. Hetiang hi ram dangah pawh an tih dan ber a ni.

Public consultation/awareness te, public relations leh communication policy te, monitoring & evaluation etc. ruahmanna fel fai tak kan neih loh chuan kan inphun liam leh ang a, a ngai te te-in ba pung hluai siin kan tawp leh mai ang tih a hlauhawm thin a ni. ADB, World Bank loan ang chu a thatna chu anmahni hian project hi an vil ve reng a, technical asistance tha tak an pe reng thei a ni. Hengho lo kilkawi tur chuan mithiam leh vengva tak Project Director an ngai tak meuh reng a ni.

Mizoram hmel thar min hmuhtir thei tur ruahmanna tha, ADB-in min neihpui an tum a, sawrkar leh a ram mipui zawkin kan lo thlir liam mai mai emaw, sum kan lo khawhral dur dur emaw a nih vaih chuan ‘opportunity’ dang kan nei leh lawk tawh lo mai ang tihte pawh a hlauhawm takmeuh a ni.

A eng a khaw pawh ni sela, mak em em mai chu, “Health Care Scheme atan hian sokar hmasa chuan Asian Development Bank atangin cheng vbc 600 puk a dil a, ADB chuan a token-in phalna a lo pe a” tih report kan thlir chuan Health Care Scheme hi project component pakhat mai a nih thu kan hre thei a, heta sum pawh hi ‘Corpus Fund’-a hman tura ruahman ni si, ADB-in a token-in phalna a lo pe tih hi thudik ziktluak lo a nih a rinawm.

Loan sum lo hman lawk remtihna dan hi ADB/World Bank etc policy a ni lo tawp mai a. Project Preparatory Fund (PPF) erawh chu, loan hi ADB Board-in a approve ngei tura ngaih a nih chuan loan 2% vel thleng pek chhuah lawk theih a ni. Mahse chu chu project team ‘special purpose vehicle’ din nan leh project prepare tura Consultant rawih nan bak hman a ni ngai meuh lo. “Amaherawhchu, he sum hi tihfel mai theih a nih loh avangin inthlan dawn hnaiah sorkar hmasa khan hman ngei a duh avangin state plan fund atangin cheng vbc 50 a la chhuak a, Finance Department kal tlanga lak chhuah a ni”.

Hei hi a mak lehzual. Plan fund reng reng hi hunbi neia ram hmasawnna atana project fel tak duan lawk atana pek chhuah leh hman tur a ni a. Hetia lo pawh pen ngawt mai hi thil dik lo lutuk a ni. A hmanna tura hmang lova pawh pen chu sawi loh, lo delay rinawt pawh loss nasa tak a ni! Hei hi nasa taka chhui zui a, Finance/Planning thuneitu, he rawtna pawmtu hi dan anga hrem ngei chi niin a rinawm. Bajaj Allianz-a pawisa dah ai mahin helam hi a serious zawk thei ang! “He sum hmang hian tender chhuah a ni ta a.

Tuna contract neitu Reliance-te hian cheng vbc 29 in an chhang a. Sorkar khan vawi leh khatah pek tlak vek a tum nain thil fel lo a awm palh an hlauh avangin doctor-te chuan 5% chu la dah that rih ni se an ti a. Tichuan company hnenah chuan cheng vbc 27.49 an pe ta a ni”. A inkhualtelem thil riau mai. Sawrkar-in contract a award a nih chuan doctor-ten thil fel lo an hlauh avanga duh zah zah pe-a pe lo thei an ni lo ang. An contract neih pawh hi enfiah a ngai ang. Kan pute hian thil an ti deuh mai mai zawng a nih hi.

Hengte avang hian, Mizoram Health Care Scheme hi a chhia ni hauh lovin, kan tlin rih loh thil a ni. Tuna Health Minister-in “tha lehzualin” a tih ang hi kan siam chhuak thei tak tak a nih chuan thu hran ni se, tunah hi chuan kan hlawkpuina nge nasa, kan buaina tih hi ngaihtuah tham a ni.

Kan cheng 10,00,00,000 (vaibelchhe sawm) chu?
Health Care Scheme chu a puak chho ta zel a. ICICI-a kan buai hnuah Reliance-ah kan buai leh a, tunah phei chuan company dang, Bajaj Allianz kan lo buaipui leh ta. Bajaj Alianz hi insurance company a ni a, bank a nih loh avangin public deposit hi an la thei miah lo tur niin a rinawm. Mahse dah kan duh em a, dah hram dan kan ngaihtuah a, Health Care Society (mihring ni lo) chu mihringah chantirin hming 17 kan tlar ta dul mai kha a ni a, insawi fiah lamah tan kan la a, pawm har ti deuh siin kan awm thup niin a lang.

He thila insawifiahna chu kan hre ta a, heng zawhnate hi ngaihtuah zui ila – ADB hian loan hi min pe ngei ngei dawn tih guarantee kan nei em? Development Bank hian infrastructure leh sustainable development atan loan min pek a hnial lo niin a lang a. Tuna kan hmanna nen hian a inkalh lo em ni? State pachhe takin loan lak hmaa hetiang scheme lo siam hi thil dik a ni em? India ram state dangah hetianga dam lo enkawlna scheme dang hi siam a ni ve em?

Hetia kan hman dan a hriat hnuah ADB hian rilru a thlak ang em? Health Care Society CEO-in Nationalised Bank-a dah a rawt bakah, hmun danga dah chu inapporpriate a tih laiin, engatinge hmun danga dah rawt talh a nih? Engvangin nge Nationalised Bank-a dah zawk rawttute hming hi Bajaj Allianz-a dahtute hming zingah a intlar ve theih leh si? A tira duh lotu hi a tawpah thlem lungawi a ni leh ta tihna a ni ang em? He thilah hian Society Governing Board member-ah NGO (YMA/MUP etc.) telh an ni a, Bajaj Allianz-a dah a nih dan hi heng NGO te hian an hriatpui tak tak em? A pung a tha, mipui tan a hlawk dawn a… tih vanga dan bawhchhe hial khawpa thahnemngaih hi thil dik a ni em? An sulhnu dangte nena khaikhinin he thila heti taka thahnem an ngai fal hi thil inhmeh a ni em? 2011 Dec-a mature turah lo ngai ta ila.

Kum 3 hmain he pawisa hi mamawh a ni dawn tih hi an lo ngaihtuah lawk lo em ni? 2010-a a mature huna sorkarin a pung nen veka sum a hmuh let tur zat hi Bajaj Allianz hian min hrilh thei em? An beisei zat hmuh let loh theihna harsatna awm thei engte nge ni? Mutual fund nena inkaihhnawih a nih chuan, An dah zat pawh hmu lovin a awm theih em? An pawisa dah dan scheme-ah hian, dahtirtu agent hian (ei ru ni lovin) a dah amount 4% a hlawh tur niin an sawi a. 4% (nuai 40) hi agent zinga tu berin nge hlawh?

He nuai 40 hi hming inziak tlarte hian an insem lo ngei a ni tih an sawi ngam em? Kan state-ah Income Tax awm lo mah se, pawisa dahtuten an pawisa dah zat hi an ‘known source of income’ nena inhmeh tawk a ni tih lantirna Income Statement an tih hi Bajaj Allianz hian a la em? Chutiang lehkha nei lovin thil ti se, IRDA dan laka thiam lohna a nei em? Health Care Society CEO khan, Bajaj Allianz hian min bum a ni tiin Bajaj Allianz hnenah official lehkha a thawn a, Pu Tlanga’n Inbumna a awm lo a ti thung. Hei hi eng nge a awmzia?

Sorkar sum invest-na atana thil tih theih miah loh Bajaj Allianz hian an ti niin a lang. Kan dan kalhin hei hi kan ti thei lo ve tia customer-te hrilhfiah tur an nih laiin, dan bawhchhiain tihluih theihna dan an zawng a, hei hi fraud a ni em? An licence paihsak theihna thil a ni hial lo maw? CEO hian duh tak tak ni se, engahnge a lehkha copy hi Insurance Regulatory and Development Authority, IRDA (https://www.irdaindia.org) hnenah a pek tel loh? Insawifihlim tumna mai mai a ni ang em? Engahnge official hming emaw, Society Governing Board member-te hming emawa ti lova vua leh vangte hming kher hman a nih?

File-ah khan Pu Tlanga khan Bajaj Allianz-a cheng vbc.10 dah a rawt a, CM-in a pawm a, a ina a insawifiahnaah khan, “Mihringa chantirna tur khan CM leh kei min hman an tum a, kan upat deuh tawh avangin ka fate, ka vua leh vangte hming an lo hmang a,” a ti a, “an” tih kha a hmang tam khawp mai a, tutenge “an” chu? Society nge Bajaj Allianz? Tih tak takah chuan, “hming hawh remtitute chawimawi tlak” han tihte phei kha chu zialo tak a ni. Mahni sum leh thawh chhuah liau liau pawh, mahni inhrek rethei tur pawhin, nakina la ziaawm beiseiin miin an dah a, mahni thawh chhuah ni hauh lo, society sum hawhtir te chu tupawhin an duh ang chu? Tunah pawh hian sorkar sum, kan hminga dah tur a la awm hial lo maw?

Khawiahnge chawimawi tlak an nih tehlul ang? “An hlawkpui lo” tihte kha chu “tun hnu version” niin a lang. Sorkar inthlak lo se, Health Minister ngai ni leh se, he thil hi mipuiin kan hriat a rinawm loh. Khang ‘thil nung 17’ zinga thenkhat khan an signature te kha anmahni sign ni lo, ‘forged’ niin an sawi a, an “Identification” atana “Driving Licence” an hmante kha “a lem” a nih bawk chuan “forgery” case hrim hrim pawh hi a te thei lo ang. Chuvangin he thil hi politics-a inbeihna satliah chu niin a lang lo. Society (mipui) sum tihchingpenna a nih loh-in engnge a ni ang? Kan sum duh lutuknaah hian kan kal thui over ta deuh tih hi mi tam ber pawm dan niin a lang.

A tawpna engnge ni ang?
Hei hi sawi a harsa. Tuna kan duh danah hi chuan, he cheng vbc. 10 hi lak chhuah vek kan duh theuh ang. Mahse Bajaj Allianz hian an remti mai lovang. He sum dah avanga cheng nuai tel lo ei tawhtute hi chhuhsak leh an ngai emaw a ni ang a, promotion an hmu tawh a nih phei chuan demote leh a ngai hial ang. Tin, Bank leh Insurance Company-ah reng reng hian sum dah lam hi a har vak lo. Tuna mi phei hi chu dah luh kan duhna lutuk lamah thil nung lo pawh nunna thaw thaw luta kawisuruta kan dah luh a ni a, chuti mai maiin kan la chhuak tawh lovang. Engti pawhin buaipui ila, kan thlen theih sang ber chu court-a zualko a ni mai ang. Court chu an hlau ang em? Teuh lo mai, a teuh lo mai. Ka rin dan chuan, Court-a kal tur hian he Company hian Mizoram sorkar leh Health Care Society hi an cho zek zek ang a, kan chalah chil an hnawm chak lutuk ang.

Hetiang company lian – ICICI, Reliance, Bajaj – engpawh mai hian, ram chhung hmun hrang hrangah thubuai khirh tak tak an buaipui hnem tawh ang. Keini ‘case’ ve te hi chu an tan chuan “awl zaw” a ni ringawt. Kan khin hun hi an nghakhlel ngawtin ka ring. Anni lamin company ukil tha ber ber an ruai ang a, kan case hi an zuam hlein a rinawm. Keini lahin LL B che che kan dintir ve leh ang a, mahni hlawh pek, Engineer ho pawh hneh lo khan, hetiang company lian hneh beiseite zawng, van ek khum tum ang vel a ni ang a, kan dah sa lak chhuah chu sawi loh, “An dah bang pawh hi thla khat chhungin an rawn dah lut leh tur a ni a, nung lo mah se, tinungtu thlarau an nei a, an tinung leh mai tur a ni,” an tih hial nghal loh! Helaia mahni buzawla inhrosa mai mai lo hian, he sum hi a hmanna tur dik taka hman a nih theih nan, a rang thei ang bera lak chhuah dan zawn a tul a, thinrimin awmzia a nei lova, kan kuta a awm leh thuai dan tur ngaihtuah a hun ta a ni ber mai.

Source :Vanglaini

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