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What is the Cost of Healthcare in India?

What is the Cost of Healthcare in India in 2025?

Factors that Influence the Cost of Healthcare in India

Various factors influence the cost of healthcare for Indian people. Below are some factors that have a greater impact on the cost of healthcare in our country -

Factors Description
Location A significant factor influencing the cost of healthcare in India is the location of treatment. This indicates which city or area you are availing your treatments from. Treatments in metropolitan cities are usually costlier than those in small cities and towns. Plus, treatment costs may vary from one metropolitan area to another.
Infrastructure The cost of healthcare also varies on the basis of infrastructure type. Treatments generally cost more if the infrastructure of the healthcare centre is advanced and modern. This is why most middle and lower-middle-class patients can only avail of low-quality healthcare services.
Availability of Services Most developing countries lack the infrastructure for specific treatments. It tends to be costlier if you fetch such a rarely available service. Also, the transport cost to reach the place where such treatment is available is an additional burden for many people.
Fatality of Diseases Healthcare costs become high in case your disease is fatal or incurable. Such diseases usually need more expensive drugs, tests, and daily checkups, among other things. All these keep adding to the total cost of your treatment.

Private Healthcare vs Public Healthcare

The difference between private and public Healthcare also plays a huge role in the cost. Understanding the differences is crucial for making informed decisions about medical care. This comparison highlights the key aspects of cost, quality, and accessibility in both sectors.

Aspect Private Healthcare Public Healthcare
Cost Higher costs due to advanced facilities and services Lower costs or free services subsidised by the government
Quality of Care Generally higher with better facilities, shorter wait times, and more personalised care Varies widely; often lower due to overcrowding, fewer resources, and longer wait times
Accessibility More accessible in urban areas; less accessible in rural regions Widely accessible in both urban and rural areas, but services may be limited in quality and availability
Wait Times Shorter wait times for consultations and treatments Longer wait times due to higher patient volumes and fewer resources
Technology and Equipment Access to the latest medical technology and equipment May lack the latest technology and equipment, leading to longer diagnosis and treatment times
Specialised Services Easier access to specialised services and specialists Limited access to specialised services; often require referrals and longer wait times
Inpatient Services More comfortable inpatient services with private rooms and additional amenities Basic inpatient services are often crowded with shared rooms and fewer amenities
Doctor-Patient Ratio Lower ratio leading to more personalised attention A higher ratio leads to less personalised attention
Coverage of Procedures Covers a wide range of elective and non-elective procedures Primarily covers essential medical services; elective procedures may not be covered
Follow-up Care More consistent and timely follow-up care Inconsistent follow-up care due to resource constraints
Medication Availability Wider availability of newer and branded medications Limited to essential and generic medications; newer drugs may not be available

What is the Future of the Healthcare Industry in India?

Healthcare Financing and Payment Systems in India

Cost of Medical Treatment for Major Diseases

City Minimum Price Maximum Price
New Delhi ₹ 1,500 ₹ 5,000
Mumbai ₹ 600 ₹ 6,000
Kolkata ₹ 900 ₹ 7,700
Bengaluru ₹ 1,000 ₹ 5,000
Chennai ₹ 750 ₹ 7,500
Hyderabad ₹ 1,200 ₹ 5,000

City Minimum Price Maximum Price
New Delhi ₹ 1,70,000 ₹4,50,000
Mumbai ₹ 1,40,000 ₹ 7,00,000
Kolkata ₹ 1,15,000 ₹ 4,50,000
Bengaluru ₹ 70,000 ₹ 6,00,000
Chennai ₹1,50,000 ₹ 6,00,000
Hyderabad ₹ 1,50,000 ₹ 8,00,000

City Minimum Price Maximum Price
New Delhi ₹ 21,800 ₹ 2,10,000
Mumbai ₹ 61,500 ₹ 3,17,000
Kolkata ₹ 69,550 ₹ 1,67,000
Bengaluru ₹ 87,600 ₹ 1,68,800
Chennai ₹ 99,600 ₹ 1,87,660
Hyderabad ₹ 1,18,200 ₹ 2,76,831

City Minimum Price Maximum Price
New Delhi ₹ 10,500 ₹ 1,20,000
Mumbai ₹ 8,000 ₹ 1,25,000
Kolkata ₹ 8,000 ₹ 1,20,000
Bengaluru ₹ 9,000 ₹ 1,84,000
Chennai ₹ 10,800 ₹ 50,000
Hyderabad ₹ 8,000 ₹ 1,50,000

City Minimum Price Maximum Price
New Delhi ₹ 70,000 ₹ 4,50,000
Mumbai ₹ 55,000 ₹ 5,50,000
Kolkata ₹ 45,000 ₹ 3,41,000
Bengaluru ₹ 50,000 ₹ 5,00,000
Chennai ₹ 84,900 ₹ 3,50,000
Hyderabad ₹ 68,000 ₹ 3,85,000

What are the Needs and Benefits of Health Insurance in India?

Different Types of Insurance Plans in India

By understanding the various health insurance options, you can choose a plan that best suits your individual or family needs, ensuring you receive the coverage required for optimal health and financial protection.

Types of Insurance Plan Description
Individual Health Insurance Plans These plans cover one person and are ideal for single individuals seeking coverage. Premiums depend on the sum insured, age, and health status and typically range from a few thousand to several tens of thousands of rupees annually.
Family Floater Plans These plans cover an entire family under one policy, often cheaper than individual plans. Coverage includes hospitalisation and related expenses. Based on family size and age, premiums usually range from INR 10,000 to INR 50,000 annually.
Critical Illness Insurance This plan provides a lump sum payout for severe illnesses like cancer or heart disease. Due to the nature of coverage, premiums are higher, generally ranging from INR 15,000 to INR 60,000 annually.
Top-Up Plans Supplementary policies that enhance existing coverage with higher deductibles. They offer additional coverage at a lower premium, starting at around INR 5,000, depending on the sum insured.
Government Schemes Schemes like Ayushman Bharat offer subsidised health insurance for low-income families, covering a wide range of treatments at minimal or no cost. Premiums are often fully covered by the government.

How to Choose the Right Health Insurance Plan?

What are the Risks of Not Buying Health Insurance?

FAQs about the Cost of Healthcare in India