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Number of lives covered under health insurance in India FY 2014-2019

In the fiscal year of 2019, over 472 million people across India were covered under health insurance schemes. Of these, the highest number of people were insured under government-sponsored health insurance schemes, while individual insurance plans had the lowest number of people. Overall, the penetration of health insurance in India stood at just around 35 percent in financial year 2018.

Key figures of public health insurance

The gross direct premium income of the Indian health insurance industry was about 370 billion Indian rupees in financial year 2019. Public health insurance recorded the highest premium income of over 200 billion Indian rupees that year with the highest share of premiums written in the western state of Maharashtra.

The healthcare system

India has a decentralized approach to health care and that allows health insurance to be optional. Technically, all citizens are eligible for free healthcare at government facilities and individual states are responsible for organizing these services. However, the country’s health system is severely underfunded in terms of staff as well as supply shortages. A vast number of people seek care from private providers. Over 64 percent of the total healthcare expenditure in the country was from out-of-pocket expenses in fiscal year 2016.

Number of people with health insurance across India from financial year 2014 to 2019, by business type

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Release date

June 2019



Survey time period

FY 2014 to FY 2019

Supplementary notes

One Indian rupee is equal to 0.013 U.S. dollars and 0.012 euros (as of June 2020).

India's financial year begins in April and ends in March. For example, FY 2017 started in April 2016 and ended in March 2017.

Figures have been rounded for clarity.

Previous reports have been accessed.

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