India Health Insurance: Premiums Ne Li Angdai! ₹1.2 Lakh Crore Paar, Par Medical Inflation Ka Tadka Bada!

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AuthorVihaan Mehta|Published at:
India Health Insurance: Premiums Ne Li Angdai! ₹1.2 Lakh Crore Paar, Par Medical Inflation Ka Tadka Bada!
Overview

Soch lo bhaiyo, India mein health insurance ka business ekdum mast chal raha hai. FY 2024-25 mein premiums **₹1.2 lakh crore** cross kar gaye, growth bhi badhiya hai, lagbhag **9%** ki. Lekin, ek bada panga hai - medical inflation jo **14%** tak pahunch gayi hai. Is wajah se premiums bhi bade hain.

IRDAI ne na, customers ki life easy karne ke liye claim process ko speed-up kar diya hai. Ab cashless claims ka pre-authorisation sirf 1 ghante mein ho jaana chahiye, aur final approval 3 ghante mein. Achhi baat yeh hai ki lagbhag 86% pre-auth aur 97% final approvals time par ho rahe hain. Bima Bharosa portal bhi 93% grievances solve kar raha hai.

Lekin panga yeh hai ki, itne growth ke bawajood, medical costs lagataar badh rahe hain. Healthcare inflation 14% per year hai, jo normal inflation se lagbhag 3-4 guna zyada hai. Iska seedha asar insurance companies par padta hai, jisse unhe premiums badhaane padte hain.

Analysts bol rahe hain ki yeh sector aage bhi bhagega. Agle 10 saal mein saalana 11.5% se 13.1% grow kar sakta hai, aur 2032 tak market USD 38 billion ka ho sakta hai. Health insurance ab total general insurance ka 41.42% ho gaya hai.

Last decade mein bhi premiums ₹20,096 crore se badhkar ₹1.17 lakh crore ho gaye hain. Aur ek achhi khabar yeh hai ki September 2025 se individual health insurance par GST zero ho jayega, jisse aur log isko kharid payenge.

Par sabse bada issue hai affordability ka. Medical inflation itni zyada hai ki companies ko 5 saal mein sabse bada premium hike karna pad raha hai, kabhi kabhi 14% ya usse bhi zyada. Jaise, jo ₹5 lakh ka cover pehle ek 30 saal ke bande ke liye ₹8,000 mein milta tha, ab woh ₹10,000-₹11,000 ka ho gaya hai. Is wajah se lagbhag 18% log ya toh saste plans dhoondh rahe hain ya coverage chhodne ka soch rahe hain.

Itna sab hone ke baad bhi, India mein abhi bhi lagbhag 40 crore log aise hain jinke paas proper health cover nahi hai. GDP ke hisab se insurance penetration sirf 3.7% hai.

So, growth toh hai, par companies aur customers dono ko balance banana padega, especially medical inflation ko control karne mein.

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