Lok Sabha Question No. 1723 (UNSTARRED), answered on 2016-11-25
Subject: Health Insurance
Ministry: HEALTH AND FAMILY WELFARE
Asked by: SANJAY HARIBHAU JADHAV

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

## LOK SABHA UNSTARRED QUESTION NO. 1723 TO BE ANSWERED ON 25 TH NOVEMBER, 2016

## HEALTH INSURANCE

## 1723. SHRI SANJAY HARIBHAU JADHAV:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) the details of Centrally Sponsored Health Insurance schemes along with the funds all and number of people covered under it during the last three years;
- (b)  whether  the  Govern ment  is  aware  of  the  abysmally  low  proportion  of  population  being covered under a health insurance, if so, the reason therefor; and
- (c) the steps taken to increase the coverage of health insurance and provide/ special pro increase the coverage o f people with disabilities under such health insurance schemes?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE (SHRI FAGGAN SINGH KULASTE)

- (a): The  details  of  number  of  people  covered  under  various  Centrally  Sponsored Health Insurance Schemes during the last three years are annexed . Information on funds allocated is not available.
- (b):     During FY 2015 - 16, 35.89 crore of lives were covered under Health insurance polici issued by General and Health Insurers. As per t he Census of India 2011, the population of India was 121.02 crore. As such, it may be estimated that approximately 30 per cent of India's total population was covered under health insurance policies during the FY 2015 - 16.
- ( c):     Insurance Regulatory an d Development Authority of India ( IRDAI) has notified IRDAI (Rural  and  Social  Sector)  Obligations,  2015  that  mandate  every  insurance  company  to  o insurance coverage to the defined social sector population. These Regulations inter ali 'Other Categories of Persons' which includes persons with disability as defined in the Persons with Disabilities (Equal Opportunities, Protection of Rights, and Full Participation) A and who may not be gainfully employed and also includes guardians who need insura c  to protect spastic persons or persons with disability. All Insurers (life insurance, genera and standalone health insurers) shall fulfill the stipulated business norms towards soc obligations.

Further in the IRDAI (Health Ins urance) Regulations 2016 notified in July 2016, it is specified that the underwriting policy of insurers shall include the approach and aspect to  offering  health  insurance  coverage  not  only  to  standard  lives  but  also  to  peop disabilities. In order to facilitate offering of innovative covers by insurers, the concept of 'Pilot products' is introduced with a view to giving scope for innovation in covering risks which were not covered hitherto or were excluded in the extant products.

……………

2013-14

| Sl.No   | Line of business   | Scheme Name                                         | Sponsored by   | Number of Persons covered   |
|---------|--------------------|-----------------------------------------------------|----------------|-----------------------------|
| 1       | Health             | RSBY                                                | Central/State  | 10,43,92,631                |
| 2       | Health             | Artisans - Rajiv Gandhi shilpi swasthya bima yojana | Central Govt.  | 69,572                      |
| 3       | Health             | Sericulture Director of sericulture                 | Central/State  | 2,07,621                    |
| 4       | Health             | UHIS -Universal health Insurance scheme Meghalaya   | Central/State  | 7,20,629                    |
| 5       | Health             | Weavers - Development commissioner for Handloom     | Central/State  | 4,56,852                    |
| 6       | PA                 | Artisans - Rajiv Gandhi Shilpi Swasthya Bima Yojana | Central Govt.  | 4,39,762                    |
| 7       | PA                 | Coir Board                                          | Central Govt.  | 4,00,000                    |
| 8       | PA                 | Janata Personal Accident                            | Central/State  | 29,93,407                   |
| 9       | PA                 | Sericulture Director of sericulture                 | Central/State  | 1,44,530                    |
|         |                    |                                                     |                | 10,98,25,004                |

2014-15

| Sl.No   | Line of business   | Scheme Name                                                              | Sponsored by          | Number of Persons covered   |
|---------|--------------------|--------------------------------------------------------------------------|-----------------------|-----------------------------|
| 1       | Health             | RSBY                                                                     | Central Govt          | 9,25,40,564                 |
| 2       | Health             | National Trust Niramya Scheme                                            | Central Govt          | 13,366                      |
| 3       | Health             | Sericulture Director sericulture                                         | of Central/State Govt | 2,17,625                    |
| 4       | PA                 | Sericulture Director sericulture                                         | of Central Govt       | 7,116                       |
| 5       | PA                 | Centrally Sponsored Group Accident Insurance Scheme For Active Fishermen | Central/State Govt    | 44,46,758                   |
|         |                    |                                                                          | TOTAL                 | 9,27,78,671                 |

Note: This is exclusive of PA Coverage for Rupay Card holders.

2015-16

| Sl.No   | Line of business   | Scheme Name                           | Sponsored by       | Number of Persons covered   |
|---------|--------------------|---------------------------------------|--------------------|-----------------------------|
| 1       | Health             | RSBY                                  | Central/State Govt | 8,44,86,542                 |
| 2       | Health/PA          | Department Of Sericulture             | Central/State Govt | 2,33,767                    |
| 3       | Health             | Ministry Of Road Transport & Highways | Central Govt       | 0 (Unnamed)                 |
| 4       | Health             | Ministry Of Road Transport & Highways | Central Govt       | 0 (Unnamed)                 |
|         |                    |                                       | Total              | 8,47,20,309                 |

Note: This is exclusive of PMSBY and PA Coverage for Rupay Card holders

Source: Information furnished by Department of Financial Services, Ministry of Finance

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