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    Things to Know About the Cost of Healthcare in India

    The improvement of medical infrastructure and treatments over the past few years has been remarkable. However, the cost of healthcare in India is increasing with this advancement.

    India’s healthcare system comprises both public and for-profit private providers. With a substantial presence of private institutions, 69.8% of total outpatient care falls under them. However, treatments from private service providers typically cost higher.

    What Is the Cost of Healthcare in India?

    According to NCBI, the estimated annual cost of universal healthcare is going to be ₹1,713 per person. This cost can increase by 24% for using branded medical supplies and drugs. This means the Indian government must spend 3.8% of the country’s GDP to universalise healthcare services.

    What Are the Factors Which Influence Cost of Healthcare in India?

    Below are some factors that have a greater impact on the cost of healthcare in our country -

    1. 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.

    2. Infrastructure

    The cost of healthcare also varies on the basis of infrastructure type. Treatments generally cost high if the infrastructure of the healthcare centre is advanced and modern. This is why most middle and lower-middle class patients can only avail low-quality healthcare services.

    3. Availability of Services

    Most developing countries lack 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.

    4. 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.

    What Is the Future of the Healthcare Industry in India?

    With significant growth in infrastructure, the cost of healthcare is shooting up. Although advanced technology has sped up the treatment and curing process, it hasn’t eased the medical expenses for a large belt of Indians.

    The current annual rate of medical inflation is 15%. Conversely, India’s overall inflation rate is 6-7% per annum. Health expenditure currently stands at 5% of India's private final consumption expenditure. This can increase by a minimum of 11% from the current level of India. Gradually, the cost of healthcare in India is becoming unaffordable for people with financial drawbacks.

    Cost of Medical Treatment for Major Diseases

    Discussed below are the costs of average medical treatment, as per cities. Take a look.

    Treatment Cost for Kidney and Urinary 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

    [1][2]

    Treatment Cost for Cardio-vascular Diseases

    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

    [3][4]

    Treatment Cost for Gallbladder Stones

    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

    [5][6]

    Treatment Cost for Cataract

    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

    [7][8]

    Treatment Cost for Angioplasty

    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

    [9][10]

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

    As discussed above, the cost of healthcare in India is becoming way too expensive for many people. In such a situation, health insurance can be beneficial in many ways.

    Here are some advantages -

    1. Doesn’t affect your savings

    The sky-rocketing treatment costs can be a huge burden for most individuals. Especially in the case of a fatal disease, these costs continue to exhaust your savings. In such a condition, a health insurance policy can cover your treatment expenses. Thus, you need not spend all your savings on treatment.

    2. Helps cover critical medical conditions

    Medical costs in India for critical conditions like organ failure or stroke is relatively higher. A health insurance policy will cover certain charges that you may suddenly face in such times.

     

    The cost of healthcare in India is increasing day after day without any doubt. It also becomes an immense distress if you seek treatment from a metropolis. Under such circumstances, a health insurance policy helps you avail yourself of quality treatment without putting your savings at stake.

    Frequently Asked Questions

    ✓ How many people in India are affected by costly medical care?

    Almost 80.9% of the urban population and 85.9% of rural population in India do not have any health insurance policy. Also, over 80% of Indians are paying for private healthcare on their own.

    Almost 80.9% of the urban population and 85.9% of rural population in India do not have any health insurance policy. Also, over 80% of Indians are paying for private healthcare on their own.

    ✓ How can I manage healthcare costs in India?

    A great way to cover your medical expenses is by opting for a medical insurance scheme. However, be careful about the coverages and benefits that your insurer offers while purchasing a policy.

    A great way to cover your medical expenses is by opting for a medical insurance scheme. However, be careful about the coverages and benefits that your insurer offers while purchasing a policy.

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    Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form. 

    Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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    Last updated: 2022-06-15

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    Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka