Expansion in India's
health insurance coverage, particularly the government
schemes, has helped improve
various health indicators as more people seek
treatment and medical services. For instance,
insurance penetration has resulted
in a rise of over 15% in institutional deliveries, thus
reducing maternal and infant
mortality.
Similarly , people in
rural areas, the elderly and members of the scheduled castes
and scheduled tribes are
now more likely to seek tertiary care because of insurance
coverage. Official data shows
childbirth in government hospitals increased by 22%
between 2004 and 2014, led by
government policies, whereas `at home' deliveries
declined by 16%.
India has witnessed a
huge jump in health insurance coverage over the past decade.
While just 1% of population
had coverage in 2004, the figure went up to more than
15% in 2014. Though health
insurance coverage continues to be driven by the government
in India, latest data compiled by the
Insurance Regulatory and Development Authority of
India (IRDAI) shows Indians are
increasingly buying private policies too.
According to IRDAI
data, the premium collected by health insurers during 2015-16
jumped by 21.7% to Rs 24,448
crore. This has also encouraged providers to expand
their base. The number of schemes,
the basket of services as well as payment options
have also been expanded over the
past decade, providing people better opportunity to
seek medical care for critical diseases.
A recent Brookings
India study , based on NSSO data, shows a decline in the number
of people not seeking
medical services when sick, from 15.1 per 1,000 people in 2004
to 12.4 in 2014. The increasing
insurance penetration has also helped with the accessibility
and affordability of
healthcare services for the poor and those living in remote areas.
Infrastructure and
sustained focus are required to link the available health systems,
both public and private in
rural and remote areas, with health insurance, says IRDAI
chairman T S Vijayan.
According to the
national health profile 2015, compiled by Central Bureau of Health
Intelligence, 67% of
those with some form of coverage are under public insurance
companies. Centreand
statefunded health insurance schemes covered about 37 crore
people in 2014 as compared to 5.5 lakh in 2004.
Source: The
Times of India