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Dvara Analysis Weblog | Well being Insurance coverage Possession in India


Niyati Agrawal
Priyadarshini Ganesan


India’s well being sector is characterised by fragmented medical insurance protection,[1] an growing burden of persistent ailments,[2] and excessive out of pocket (OOP) expenditure on healthcare. Medical health insurance ought to be an integral a part of a family’s portfolio because it helps the family higher handle its well being bills and avert well being related-financial shocks. Well being shocks are among the many commonest causes for households falling right into a poverty lure.[3]Additional, well being expenditure, each the catastrophic and recurring varieties, can have a big impact on a family’s capability to maintain or enhance its way of life. Low-income households are particularly weak to well being shocks and antagonistic well being diagnoses on account of not solely delayed well being in search of behaviour, but additionally the risky nature of their incomes coupled with a scarcity of security nets, makes ill-health costlier for them to deal with. Nonetheless, entry to medical insurance amongst Indian households (and never solely amongst low-income Indian households) has been traditionally low. Though medical insurance possession has elevated significantly within the final seven years from 29% in 2015-16 to 41% in 2020-21 (NFHS), the general uptake stays inadequate. Amongst those that do maintain a medical insurance account, protection is commonly inadequate.[4]  

On this research, we conduct a quantitative evaluation of family finance knowledge to know the standing of medical insurance possession in India, establish the determinants of medical insurance possession, and perceive the connection between households’ entry to medical insurance and their well being expenditure. We use knowledge from Centre for Monitoring Indian Economic system’s (CMIE’s) Client Pyramids Family Survey (CPHS), Aspirational India Survey, and Family Earnings Survey from 2014 to 2020, to reply these questions. The dataset from 2014 to 2020 has a pattern of 1,47,868 households from throughout the nation representing each rural and concrete geographies.[5] The evaluation is basically based mostly on knowledge from the years 2019 and 2020 which presents a comparability between a standard yr (2019) and an anomaly (2020 with the Covid-19 pandemic). 

The complete report is accessible right here.

[1] Ministry of Well being & Household Welfare, Authorities of India. 2021. Nationwide Household Well being Survey (NFHS-5)2019-21.

[2] Sinha, Rajeshwari, and Sanghamitra Pati. “Addressing the escalating burden of persistent ailments in India: want for strengthening main care.” Journal of Household Drugs and Major Care 6, no. 4 (2017): 701.

[3] Krishna, Anirudh. “Poverty and well being: defeating poverty by going to the roots.” Growth 50, no. 2 (2007): 63-69.

[4] Inadequate protection right here implies that even after having medical insurance, loads of households find yourself paying an enormous sum of cash from their very own pockets both because of the nature of the insurance coverage merchandise purchased by the households or on account of medical bills exceeding the duvet supplied by the insurance coverage scheme. This has been seen in a number of the unpublished (subject) work of Dvara Analysis. This text by Deccan Herald additionally factors in the direction of inadequate protection: Deccan Herald. 2022. The Perils of India’s Lack of Medical Insurance coverage. April.

[5] Because the evaluation is finished on weighted households, the overall variety of pattern households in 2019 for which knowledge was obtainable have been 133,538, which correspond to twenty-eight,32,23,799.

Cite this report:


Agrawal, N., & Ganesan, P. (2022). Well being Insurance coverage Possession in India. Retrieved from Dvara Analysis.


Agrawal, Niyati and Priyadarshini Ganesan. “Well being Insurance coverage Possession in India.” 2022. Dvara Analysis.


Agrawal, Niyati, and Priyadarshini Ganesan. 2022. “Well being Insurance coverage Possession in India.” Dvara Analysis.


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