Future of Health Insurance in India

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Health Insurance in India Opportunities, Challenges and Concerns
Economic policy context

Health financing in India

Health insurance scenario in India

Health insurance for the poor

Consumer perspective on health insurance

Models of health insurance in other countries


India spends about 6% of GDP on health expenditure.

Private health care expenditure is 75% or 4.25% of GDP and most of the rest (1.75%) is government funding.

At present, the insurance coverage is negligible.

Most of the public funding is for preventive, promotive and primary care programmes while private expenditure is largely for curative care.

Over the period the private health care expenditure has grown at the rate of 12.84% per annum and for each one percent increase in per capital income the private health care expenditure has increased by 1.47%.

Number of private doctors and private clinical facilities are also expanding exponentially.

Indian health financing scene raises number of challenges, which are:

increasing health care costs,

high financial burden on poor eroding their incomes,

increasing burden of new diseases and health risks and

neglect of preventive and primary care and public health functions due to under funding of the government health care.


Even though the scheme is formulated well there are many problem areas in managing this scheme. Some of the problems are:

large number of employers try to avoid being covered under the scheme,

a large number of posts of medical staff remains vacant because of high turnover and lengthy recruitment procedures,

There is duality of control,

Rising costs and technological advancement in super specialty treatment,

Management information system is not satisfactory.

There is low utilization of the hospitals

The workers are not satisfied with the services they get.

In rural area the access to services is also a problem.


Please find the below attached file