Healthcare in India: Difference between revisions

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[[File:JIPMER admin block.jpg|thumb|[[Jawaharlal Institute of Postgraduate Medical Education and Research]] at [[Puducherry (union territory)|Puducherry]]]]
 
[[India]] has a [[Single-payer healthcare#History of the term|multi-payer universal health care]] model that is paid for by a combination of public and government regulated (through the [[Insurance Regulatory and Development Authority]]) private health insurances along with the element of almost entirely tax-funded public hospitals.<ref name="Zodpey et al 2018">{{cite journal |last1=Zodpey |first1=Sanjay |last2=Farooqui |first2=Habib Hasan |title=Universal Health Coverage in India: Progress achieved & the way forward |journal=The Indian Journal of Medical Research |date=2018 |volume=147 |issue=4 |pages=327–329 |doi=10.4103/ijmr.IJMR_616_18 |pmid=29998865 |pmc=6057252 |doi-access=free }}</ref> The public hospital system is essentially free for all Indian residents except for small, often symbolic co-payments in some services.<ref>{{cite web|url = https://www.commonwealthfund.org/international-health-policy-center/countries/india|title = India &#124; Commonwealth Fund|date = 5 June 2020|access-date = 9 October 2020|archive-date = 24 December 2020|archive-url = https://web.archive.org/web/20201224001128/https://www.commonwealthfund.org/international-health-policy-center/countries/india|url-status = live}}</ref> [[Economic Survey]] 2022-23 highlighted that the Central and State Governments’ budgeted expenditure on the health sector reached 2.1% of GDP in FY23 and 2.2% in FY22, against 1.6% in FY21.<ref>{{Cite web |url=https://health.economictimes.indiatimes.com/news/policy/economic-survey-2023-govt-spent-2-1-of-gdp-on-healthcare-in-fy23/97488091 |title=Archived copy |access-date=2 July 2024 |archive-date=2 March 2024 |archive-url=https://web.archive.org/web/20240302062539/https://health.economictimes.indiatimes.com/news/policy/economic-survey-2023-govt-spent-2-1-of-gdp-on-healthcare-in-fy23/97488091 |url-status=live }}</reF> India ranks 78th and has one of the [[Health spending as percent of gross domestic product (GDP) by country|lowest healthcare spending as a percent of GDP]]. It also ranks 77th on the [[list of countries by total health expenditure per capita]].
 
== National Health Policy ==
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In practice however, the private healthcare sector is responsible for the majority of healthcare in India, and a lot of healthcare expenses are paid directly out of pocket by patients and their families, rather than through health insurance due to incomplete coverage.<ref>{{cite journal |last=Berman |first=Peter |date=2010 |title=The Impoverishing Effect of Healthcare Payments in India: New Methodology and Findings |journal=Economic and Political Weekly |volume=45 |issue=16 |pages=65–71 |jstor=25664359}}</ref>
 
Government health policy has thus far largely encouraged private-sector expansion in conjunction with well -designed but limited public health programmes.<ref name="Palgrave">{{cite book |last1=Britnell |first1=Mark |title=In Search of the Perfect Health System |date=2015 |publisher=Palgrave |isbn=978-1-137-49661-4 |location=London |page=60}}</ref>
 
== Financing ==
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=== Targeted Populations ===
 
==== Healthcare for the Unemployed ====
Unemployed people without coverage are covered by the various state funding schemes for emergency hospitalization if they do not have the means to pay for it. Unemployed individuals often face significant barriers in accessing healthcare due to the high cost of medical treatment and lack of healthcare insurance coverage.<ref>{{Cite web|url=https://www.godigit.com/content/godigit/directportal/en/homepage.html|title=17 Government Health Insurance Schemes in India: Govt Mediclaim Policy|website=Digit Insurance|access-date=24 October 2023|archive-date=3 August 2023|archive-url=https://web.archive.org/web/20230803115117/https://www.godigit.com/content/godigit/directportal/en/homepage.html|url-status=live}}</ref>
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As of 2020, 300 million Indians are covered by insurance bought from one of the public or private insurance companies by their employers as group or individual plans.<ref>{{cite web |date=20 April 2021 |title=Why you should not miss out on your health insurance renewal |url=https://indianexpress.com/article/business/why-you-should-not-miss-out-on-your-health-insurance-renewal-7281399/ |access-date=21 April 2021 |archive-date=23 April 2021 |archive-url=https://web.archive.org/web/20210423052801/https://indianexpress.com/article/business/why-you-should-not-miss-out-on-your-health-insurance-renewal-7281399/ |url-status=live }}</ref>
 
Indian nationals and foreigners who work in the public sector are eligible for a comprehensive package of benefits including, both public and private health, preventive, diagnostic, and curative services and pharmaceuticals, with very few exclusions, and no cost sharing.
 
Most services including state of the art cardio-vascular procedures, organ transplants, and cancer treatments (including bone marrow transplants) are covered.<ref>{{cite web |title=Eligibility for Joining CGHS - CGHS: Central Government Health Scheme |url=https://cghs.gov.in/index1.php?lang=1&level=1&sublinkid=6020&lid=3946 |access-date=26 August 2021 |archive-date=26 August 2021 |archive-url=https://web.archive.org/web/20210826151323/https://cghs.gov.in/index1.php?lang=1&level=1&sublinkid=6020&lid=3946 |url-status=live }}</ref>