Lok Sabha Question No. 2429 (UNSTARRED), answered on 2018-03-09
Subject: Insurance Premium
Ministry: HEALTH AND FAMILY WELFARE
Asked by: K. GOPAL

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

LOK SABHA UNSTARRED QUESTION NO. 2429 TO BE ANSWERED ON 9 TH MARCH, 2018

## INSURANCE PREMIUM

## 2429. DR. K. GOPAL:

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

- (a)  whether the Government's estimate of covering the healthcare cost of a family with an annual insurance premium of just Rs. 1,000 to Rs. 1,200 is too optimistic and if so, the details thereof and if not, the reasons therefo r;
- (b) whether the National Sample Survey Office (NSSO) calculations show the need of about twice that amount or m e per family and if so, the details th reof;
- (c) whether according to NSSO survey data from 2014, hospitalization is required for around 40 persons among 1,000 people each year and if so, the details thereof; and
- (d)  whether  average  expenditure  of hospitalization  of  the  poorest  40  per  cent of  the population was about Rs. 12,500 in 2014 and if so, the details thereof?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HEALTH AND FAMILY WELFARE

(SHRI ASHWINI KUMAR CHOUBEY)

- (a) to (d) : The Contours of the proposed National Health Protection Scheme is yet to b finalised. The actual premium for the proposed National Health Protect ion Scheme (NHPS) would be determined based on the prevalent market conditions and all other relevant fa including NSSO survey data.
- (b):The relevant information is not available with NSSO.
- (c): As per NSSO data, 2014, the details of number of persons hospitalized per thous is at Annexure -I.
- (d): As per NSSO data, 2014, the details are at Annexure -II.

Annexure-I

| Number per thousand of persons hospitalized in (excluding childbirth) Rural Urban   | Number per thousand of persons hospitalized in (excluding childbirth) Rural Urban   | Number per thousand of persons hospitalized in (excluding childbirth) Rural Urban   | Number per thousand of persons hospitalized in (excluding childbirth) Rural Urban   | Number per thousand of persons hospitalized in (excluding childbirth) Rural Urban   | Number per thousand of persons hospitalized in (excluding childbirth) Rural Urban   |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| Male                                                                                | Female                                                                              | Persons                                                                             | Male                                                                                | Female                                                                              | Persons                                                                             |
| 34                                                                                  | 36                                                                                  | 35                                                                                  | 41                                                                                  | 46                                                                                  | 44                                                                                  |

Annexure-II

| Quintile class of UMPCE   | Average medical and non-medical expenditure (Rs.) per hospitalization during stay at hospital   | Average medical and non-medical expenditure (Rs.) per hospitalization during stay at hospital   |
|---------------------------|-------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------|
|                           | Rural                                                                                           | Urban                                                                                           |
| Poorest 20%               | 11805                                                                                           | 12516                                                                                           |
| 20% - 40%                 | 13067                                                                                           | 16153                                                                                           |