There is no doubt that the condition of healthcare insurance in the country is not good. Last year statistics show that majority of people in India are uninsured. To put it more simply, healthcare expenditure in the country is around $40 billion and out of it, only $2 billion is financed by healthcare insurance. This difference of $38 billion is the pool of people who do not have health insurance and thus, they pay for medical expenses from their pockets.
Healthcare expenditure is not so easy to pay off. In many cases, people borrow money or sale their household assets in order to get their loved one treated from the hands of experts. There is a large section of society who is reluctant to go to best hospitals of the city, just because they believe that treatment expenses are much higher. But, in several cases, these people are left with no other option than to visit them for quality medical treatment. An ideal way to overcome these issues of life is buy healthcare insurance.
These products are designed, keeping healthcare needs of people in mind. It offers coverage to hospitalization expense, pre- and post-hospitalization expense, domiciliary treatment, maternity benefit, coverage for critical illness and new born bay coverage, annual health check-ups, dental treatment etc. In addition, there are plans that look after outpatient treatment and pre-existing diseases.
The only need of an hour is to spread this awareness among Indian population so that they can buy these plans and seek medical treatment, if and when required, without any financial burden. These plans bring along with them several facilities to help people in seeking medical treatment. Apollo Munich is making much effort in spreading this information and demystifying health insurance for the people of India. if the same effort is made by all the associated bodies, the condition of health insurance in India will surely change over next few years.
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