Being able to access good healthcare treatment is a must these days, but due to the increasing costs of healthcare, this is becoming harder and harder, especially for those belonging to low- and middle-income groups.
One simple way for them to do this is by getting a health insurance plan, which will act as a financial safeguard in case of medical emergencies.
According to a 2019 report, only around 472 million people in India out of a population of 1.3 billion are covered by medical insurance. That is less than one-fifth of the total population. And of those people who do have a plan, almost 70% are covered under one of the many government schemes available to subsidize healthcare.
This low penetration of health insurance plans in India is unfortunate, but here are some ways that low- and middle-income groups can ensure they are covered: