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In the fiscal year of 2025, around *** million people across India were covered under health insurance schemes. Of these, the highest number of people were insured under health insurance schemes, while* plans had the lowest number of people. 

Key figures of public health insurance

The gross direct premium income of the Indian health insurance industry was about *** billion Indian rupees in the financial year 2021. Public health insurance recorded the highest premium income of over *** billion Indian rupees that year, with the highest share of premiums written in the western state of Maharashtra.

The healthcare system

India has a decentralized approach to health care, which allows health insurance to be optional. Technically, all citizens are eligible for free healthcare at government facilities, and individual states are responsible for organizing these services. However, the country’s health system is severely underfunded in terms of staff as well as supply shortages. A vast number of people seek care from private providers. Over ** percent of the total healthcare expenditure in the country was from out-of-pocket expenses in the fiscal year 2020.