Data | In 11 Indian States, fewer than 40% households covered with health insurance as of 2019-20

In Bihar, Maharashtra, Karnataka and Gujarat, fewer than 40% of the households had at the least one member covered by health insurance, based on the National Family Health Survey-5 (2019-20). Also, in these States, the quantity of family members who typically selected to go to private-sector clinics/hospitals for therapy was comparatively greater than in different areas. So, households in these States spent extra on health as the common expenditure for hospitalisation circumstances was seven instances greater within the personal sector in comparison with the general public sector, based on the most recent NSSO report on health. While the issue was acute in these 4 States, insurance protection was normally very low throughout many States.

Poor protection

The % of households with at the least one member covered by health insurance was as low as 12.7% in J&K. In Telangana and Andhra Pradesh, whereas the insurance protection and the share of authorities schemes was comparatively excessive, the share of those that sought the personal sector for his or her health wants was additionally comparatively excessive. Only States for which there’s NFHS-5 printed information have been offered.

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Observations

■ In many States, the health insurance cowl was greater amongst rural households. The distinction was greater than 10% factors in Andhra Pradesh, Mizoram, Tripura, Assam, Telangana, Meghalaya.

■ In Bihar, Karnataka and Maharashtra, not solely was insurance protection low, however the share of these insured by govt. schemes was additionally comparatively low.

■ In Assam, whereas 60% of house-holds had health insurance, solely 3.5% of these had a government-backed scheme.

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