Lok Sabha Question No. 623 (UNSTARRED), answered on 2023-07-24
Subject: Health Insurance Coverage
Ministry: FINANCE
Asked by: T.R.V.S. Ramesh

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 623

ANSWERED ON - 24.7.2023

## HEALTH INSURANCE COVERGAE

623. SHRI T.R.V.S. RAMESH:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the health insurance coverage in the country, State/UT-wise;
- (b) whether it is a fact that, as per the NSO, only 14.1 per cent of people in the rural areas have health insurance and if so, the details thereof; and
- (c) whether  the  Government  proposes  to  address  this  issue  of  inadequate  health  insurance coverage in the country, especially in the case of rural areas and if so, the details thereof and if not, the reasons therefor?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (DR. BHAGWAT KARAD)

(a) to (c): Ministry of Health and Family Welfare (MoHFW) has informed that Ayushman Bharat Pradhan Mantri - Jan Arogya Yojana (AB PM-JAY) is the largest publicly funded health assurance scheme in the world which aims to provide health cover of Rs.  5 lakhs per family per year for secondary and tertiary care hospitalization to approximately 55 Crore beneficiaries corresponding to 12 Crore families which consists of 8.19 Crore rural families and constitute the bottom 40% of India's population.

State/UT-wise details of the number of families covered under AB-PMJAY are at Annexure-I.

Further, 23 State and Union Territories (UTs) have further expanded the beneficiary base under the scheme to approximately 15.5 Crore families, at their own cost.

In addition, Insurance Regulatory and Development Authority of India (IRDAI) has informed that they have taken various initiatives to help increase penetration of health insurance in the country. In the areas of product design, IRDAI has permitted the introduction of wellness and preventive features, introduction of  standard  products  offering  basic  coverage,  ensuring  guaranteed renewability  for  health  policies  throughout  one's  life-time  etc.  Further,  insurers  are  constantly advised  to  increase  awareness  about  the  need  for  insurance  as  a  mechanism  of  financial protection. In order to give a fillip to insurance in the rural areas, IRDAI has notified Rural and Social Sector obligations for insurers wherein insurers are required to complete a specified percentage of business in respect of these segments.

State/UT-wise  number  of  persons  covered  under  health  insurance  in  the  country  by  insurers registered with IRDAI in FY 2021-22 are at Annexure-II.

*****

## Annexure-I referred in the reply to Lok Sabha Unstarred Question No. 623 for answering on 24.7.2023 regarding 'Health Insurance Coverage'

State-wise list of eligible beneficiary families under AB-PMJAY

| Sl. No.   | State/UTs                              | Number of families co- sponsored by Central Govt   |
|-----------|----------------------------------------|----------------------------------------------------|
| 1.        | Andaman And Nicobar                    | 23,785                                             |
| 2.        | Islands Andhra Pradesh                 | 61,47,562                                          |
| 3.        | Arunachal Pradesh                      | 98,844                                             |
| 4.        | Assam                                  | 30,03,069                                          |
| 5.        | Bihar                                  | 1,21,10,525                                        |
| 6.        | Chandigarh                             | 79,226                                             |
| 7.        | Chhattisgarh                           | 41,44,847                                          |
| 8.        | Dadra and Nagar Haveli & Daman and Diu | 47,578                                             |
| 9.        | Delhi                                  | 6,54,041                                           |
| 10.       | Goa                                    | 41,098                                             |
| 11.       | Gujarat                                | 49,85,484                                          |
| 12.       | Haryana                                | 17,24,837                                          |
| 13.       | Himachal Pradesh                       | 5,32,396                                           |
| 14.       | Jammu And Kashmir                      | 6,70,010                                           |
| 15.       | Jharkhand                              | 31,18,620                                          |
| 16.       | Karnataka                              | 69,01,440                                          |
| 17.       | Kerala                                 | 23,97,610                                          |
| 18.       | Ladakh                                 | 12,120                                             |
| 19.       | Lakshadweep                            | 1,628                                              |
| 20.       | Madhya Pradesh                         | 93,27,963                                          |
| 21.       | Maharashtra                            | 93,05,910                                          |
| 22.       | Manipur                                | 3,07,908                                           |
| 23.       | Meghalaya                              | 3,85,708                                           |
| 24.       | Mizoram                                | 2,16,584                                           |
| 25.       | Nagaland                               | 2,59,468                                           |
| 26.       | Odisha                                 | 67,80,308                                          |
| 27.       | Puducherry                             | 1,14,968                                           |
| 28.       | Punjab                                 | 16,65,113                                          |
| 29.       | Rajasthan                              | 66,37,371                                          |
| 30.       | Sikkim                                 | 44,228                                             |
| 31.       | Tamil Nadu                             | 86,48,748                                          |
| 32.       | Telangana                              | 29,02,621                                          |
| 33.       | Tripura                                | 5,49,554                                           |
| 34.       | Uttar Pradesh                          | 1,31,23,662                                        |
| 35.       | Uttarakhand                            | 5,97,682                                           |
| 36.       | West Bengal                            | 1,24,37,482                                        |
|           | Total                                  | 12,00,00,000                                       |

Source: Ministry of Health and Family Welfare

Note: States/UT of Odisha, West Bengal and Delhi are not implementing AB-PMJAY.

Annexure-II  referred  in  the  reply  to  Lok  Sabha  Unstarred  Question  No.  623  for answering on 24.7.2023 regarding 'Health Insurance Coverage'

State-wise,  number  of  persons  covered  under  Health  Insurance  (excluding  travel  & personal accident insurance) for FY 2021-22

(number in thousand)

|   S. No. | State/UT                             |   Number of persons covered under health insurance |
|----------|--------------------------------------|----------------------------------------------------|
|        1 | Andhra Pradesh                       |                                               3502 |
|        2 | Arunachal Pradesh                    |                                                 16 |
|        3 | Assam                                |                                                995 |
|        4 | Bihar                                |                                               4568 |
|        5 | Chhattisgarh                         |                                               1007 |
|        6 | Goa                                  |                                                276 |
|        7 | Gujarat                              |                                              45451 |
|        8 | Haryana                              |                                               9306 |
|        9 | Himachal Pradesh                     |                                                197 |
|       10 | Jharkhand                            |                                              27566 |
|       11 | Karnataka                            |                                              34169 |
|       12 | Kerala                               |                                               5645 |
|       13 | Madhya Pradesh                       |                                               4491 |
|       14 | Maharashtra                          |                                             162923 |
|       15 | Manipur                              |                                                 32 |
|       16 | Meghalaya                            |                                                 26 |
|       17 | Mizoram                              |                                               2106 |
|       18 | Nagaland                             |                                                 42 |
|       19 | Orissa                               |                                               2667 |
|       20 | Punjab                               |                                               4136 |
|       21 | Rajasthan                            |                                              63971 |
|       22 | Sikkim                               |                                                 75 |
|       23 | Tamil Nadu                           |                                              60920 |
|       24 | Telangana                            |                                               8944 |
|       25 | Tripura                              |                                                 99 |
|       26 | Uttar Pradesh                        |                                               9753 |
|       27 | Uttarakhand                          |                                                783 |
|       28 | West Bengal                          |                                              32254 |
|       29 | Andaman & Nicobar                    |                                                  6 |
|       30 | Chandigarh                           |                                               4775 |
|       31 | Dadra & Nagar Haveli and Daman & Diu |                                                379 |
|       32 | Delhi                                |                                              18304 |
|       33 | Jammu & Kashmir                      |                                              10827 |
|       34 | Ladakh                               |                                                  1 |
|       35 | Lakshadweep                          |                                                 62 |
|       36 | Puducherry                           |                                                146 |

Source: IRDAI