The Problems With Health Insurance Sector in India
Journal Title: PARIPEX-Indian Journal of Research - Year 2015, Vol 4, Issue 3
Abstract
The level of health care spending in India currently is considerably higher and more than three-quarters of this spending includes private ‘out-of-pocket expenses’. Despite such a high share of expenditure by individuals, the provision of health care, that is inadequate in terms of quality and access, is becoming more and more problematic. This highlights the need for alternative source of financing health care cost that may be health insurance. This is one of the most growing segment of insurance industry. Despite it there are several bottlenecks prominent such as lack of product innovation, low awareness among people, high claim paid -out ratio of insurers, inefficiency of Third Party Administrator etc. Some other challenges pertain to the demand conditions, competition in the sector, delivery and distribution systems etc. So present study is an effort in the area of health insurance to find out its problems and some solutions also.To accomplish the objective, the paper has been divided into four broad sections. Section I introduce the health insurance in India and deals with review of the work done on health insurance. Section II presents a methodology to work out the problems of health insurance in India. Section III explained the problems associated with health insurance business in India. The Section IV concludes the discussion along with certain policy implications.
Authors and Affiliations
Suman Devi, Dr. Vazir Singh Nehra
Keywords
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