Survey say, In India Only 20% Women and 23% Men are covered by health Insurance

⇉Survey say, In India Only  20% Women and 23% Men are covered by health Insurance

⤥National Family Health Survey show that only 29% of household have at least one usual member covered under Health Insurance or Health Scheme

The government’s aim to provide Universal Health Coverage (UHC) to all citizens by 2022 seems a distant dream with the majority of people losing faith in the quality of services at government hospitals and less than a third of households being insured to avail medical facilities in the private sector.The glaring statistics are revealed in the recently released National Family Health Survey (NFHS-4) by the ministry of health and family welfare.

And the survey reported says more than 55% of households in India do not generally seek health care from the public sector. The report said,Private health sector is the primary source of health care in urban areas (56%) and also in rural areas (49%). The most commonly reported reason for not using government health facilities at the national level is the poor quality of care reported by 48% of households that do not generally use government facilities.the report said.Report Said ,The second most commonly reported reason is that no government facility is nearby, reported by 45% of households followed by the long waiting time at government facilities (41%)According to Report Only 29% of households have at least one usual member covered under health insurance or health scheme. Only 20% of women age 15-49 and 23% of men age 15-49 are covered by health insurance or a health scheme.It also Said Half of those with insurance are covered by a state health insurance scheme and more than one-third are covered by Rashtriya Swasthya Bima Yojana. Only 4% of women and 3-5% of men are covered by the Employee State Insurance Scheme or the Central Government Health Scheme.Health insurance coverage in India is far from satisfactory.The survey findings highlighted that when household members get sick, they are more likely to seek care in the private sector such as private doctors and clinics. And the hefty costs of private hospitals are born by the families pushing them towards out of pocket expenditure as majority of population is not covered by any health insurance.The major reason for the low penetration of health insurance is that it is currently optional. Also, most of the people opting for health insurance have some pre-existing illnesses leading to a high claims ratio being prevalent in the health insurance business which makes it difficult for health insurers to sustain their operations,” said Arvind Lal, President, NATHEALTH, an inclusive Institution that has representation of small and medium hospitals and nursing homes said.

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