Dekho bhaiyo, India mein universal healthcare ka goal achieve karna itna bhi aasan nahi hai. System mein kuch gadbadiyan hain aur costs itne high hain ki sabko equal access nahi mil paa raha, chahe naye policies aa jayein ya tech hi kyun na aa jaye. Asal issue yehi hai ki logo ke paas itna paisa nahi ki wo afford kar sakein, isliye log out-of-pocket kharch kar rahe hain.
Market ki baat karein toh, healthcare sector toh growth dikha raha hai. BSE Healthcare index lagbhag ₹28 lakh crore tak pahunch gaya hai aur iska P/E ratio 36.8 hai. Earnings bhi expect hai ki saalana 21% badhengi. Lekin, Nifty Healthcare Index kaafi neeche hai, jismein -4.71% ka return dikh raha hai aur signal 'Strong Sell' ka hai. Health insurance premiums ₹1.2 lakh crore se upar nikal gaye hain (around 9% increase), jo demand toh dikhata hai, par kai households par financial load badh raha hai aur cover bhi limited hai.
Sabse bada masala hai affordability aur coverage ka gap. India mein health insurance penetration sirf 4.2% of GDP hai, jo global average 7.0% se kaafi kam hai. Kareeb 400 million log abhi bhi bina insurance ke hain. Is wajah se out-of-pocket spending (OOPE) abhi bhi 37% hai, jo ek decade pehle 60% se zyada tha. Purani schemes jaise RSBY mein bhi problems thi, aur ab Ayushman Bharat bhi sabka financial burden nahi hata paa raha.
Government chahti hai sabko health cover mile, par public health par spending abhi bhi target 2.5% of GDP tak nahi pahuncha hai. Isse Universal Health Coverage (UHC) goals ko achieve karna mushkil ho raha hai. Care quality bhi alag alag hai aur spending bhi effective nahi hai. Example ke liye, Max Healthcare Institute Ltd ka P/E ratio 64.1 hai, jo industry average 55.05 se zyada hai, phir bhi analysts ne 'Sell' rating di hai. Chote shehron mein toh situation aur bhi nazuk hai, jahan sirf 30% logo ke paas policies hain. Remote areas mein quality aur affordability dono manage karna sabse bada challenge hai.
Future mein sector grow karne ki ummeed hai, earnings 21% tak badh sakti hain, aur insurance market bhi 7.2% per annum grow karega 2026-2030 tak. Regulators bhi claim process improve karne par kaam kar rahe hain. Lekin sach mein universal healthcare tabhi milegi jab public spending badhega aur system ki inefficiencies solve hongi.