55-year-old Naurata Shahi of Kamalbazar Municipality-6 has had health insurance for 5 years. Many times she has not received the medicine given by the government as insurance. 5 years ago, she went to Nepalgunj for treatment due to the problem of drug addiction.

He had financial problems because he had to buy expensive medicines. That's when his son came to know about health insurance and got it. Since then, she continues to go for check-ups at hospitals where the insurance is applicable.

Last Friday, she came to District Hospital Mangalsen after having the same problem. But she did not get any medicine from the hospital . Medicine was not found in the hospital. If you buy it from outside, she said, "Even though we have insurance, we have sent you the medicine that we are going to give you now. I bought medicine worth 3,000 for 3 months from outside.

She complained that every time she came to the district hospital for treatment, she was told that there was no medicine. ``We paid thirty five hundred to get medicine during the insurance . So far, I have bought more than 10,000 medicines. Insurance has not made it easy for me.'

Chandra Kami of Mangalsen Municipality - 3, who has taken out health insurance, has the same complaint. She said that there is a compulsion to buy medicine from outside after checking at the district hospital. "If the medicine is not given, why was it asked to do the insurance?" We don't know about this. They say you should understand at the top level,' she said, 'We don't know where to go and whom to tell.' All medicines have to be bought from outside . I am thinking of not renewing next year.'

She complained that others in the village who had health insurance like her did not get medicine from the hospital. 

Naurata and Chandra are the only representative characters who have health insurance but have not received medicine. On an average, 30 insured people come for treatment at the district hospital every day. Many of these complain about not getting medicine.

District Hospital Achham's information officer Ganga Budha Magar said that the district hospital purchases medicines and claims funds from the health insurance board even for the insured. She said that there is a problem when the board reduces the amount for the medical treatment of the insured as the procedure is not met.

'Hospital buys medicine from its own source and gives it to those who have insurance . Medicines should be bought expensively. They reduce the price of medicine from the insurance, said information officer Budha Magar, "In the previous fiscal year, the insurance amount claimed by the hospital was reduced by about 2.5 million rupees." The hospital is losing money because of the insurance.'

Recently, not only the medicine given for the insurance but also other medicines have run out and she said that they are in the process of purchasing. It is not that the hospital did not give medicine to the insured. Hospitals are not able to buy some expensive medicines. Medicines that are given regularly will reach the hospital soon,' she said, 'On the one hand, there is anger among the patients when they do not receive the medicine even after claiming the insurance amount, on the other hand, the complicated process and the non-payment of the claim amount have put a financial burden on the hospital.'

In the preamble of the Health Insurance Act, 2074, it is mentioned that the health insurance program was implemented with the aim of protecting the citizens' right to receive quality healthcare, reducing the financial risk of the insured and increasing the efficiency and accountability of healthcare providers. is .