Friday, August 5, 2022
HomeMicrofinanceDvara Analysis Weblog | Well being Insurance coverage Possession in India

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 rising burden of continual illnesses,[2] and excessive out of pocket (OOP) expenditure on healthcare. Medical insurance must 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 most typical causes for households falling right into a poverty entice.[3]Additional, well being expenditure, each the catastrophic and recurring sorts, can have a big impact on a family’s means to maintain or enhance its way of life. Low-income households are particularly susceptible to well being shocks and adversarial well being diagnoses because of not solely delayed well being searching for behaviour, but in addition the risky nature of their incomes coupled with a scarcity of security nets, makes ill-health costlier for them to deal with. Nevertheless, 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 information to know the standing of medical insurance possession in India, determine the determinants of medical insurance possession, and perceive the connection between households’ entry to medical insurance and their well being expenditure. We use information from Centre for Monitoring Indian Financial system’s (CMIE’s) Client Pyramids Family Survey (CPHS), Aspirational India Survey, and Family Revenue 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 essentially based mostly on information from the years 2019 and 2020 which provides a comparability between a standard 12 months (2019) and an anomaly (2020 with the Covid-19 pandemic). 

The total 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 continual illnesses in India: want for strengthening main care.” Journal of Household Drugs and Main 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 signifies that even after having medical insurance, a whole lot 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 because of medical bills exceeding the duvet supplied by the insurance coverage scheme. This has been seen in a few of the unpublished (discipline) 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] For the reason that evaluation is completed on weighted households, the whole variety of pattern households in 2019 for which information was accessible 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.



Please enter your comment!
Please enter your name here

Most Popular

Recent Comments