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36 percent of India’s population under coverage of Health Insurance Schemes

New Delhi: As per Insurance Regulatory and Development Authority of India (IRDAI), the total number of lives covered under any type of health insurance policy as on 31st March 2017 were 43.75 crore which is approximately 36 percent of India’s population as per Census 2011.

Health Insurance Policies generally provide coverage for inpatient treatment including Domiciliary Hospitalization benefits subject to policy terms and conditions.

However, the number of health insurance products now provide coverage for Out Patient Department (OPD) treatment in order to encourage policyholders to go for treatment at early stages.

IRDAI (Health Insurance) Regulations, 2016 inter-alia enable the insurers to introduce wellness and preventive features as part of health insurance policies.

During the year 2016-17, the Rashtriya Swasthya Bima Yojana (RSBY) was in implementation in 15 States/UTs involving 265 districts, covering 3.63 crore families.

Some of the insurance products where OPD treatment and maternity cover are being covered is given in the table below.


Name of the Insurance Company

Name of the Insurance Product

Star Health Insurance Company

Star Health Gain Insurance Policy

Cigna   TTK   Health   Insurance Company

Pro-Health Group Insurance Policy

DHFL General Insurance Limited

Group Health Insurance Policy

DHFL General Insurance Limited

Group Personal Accident Insurance Policy

Liberty Videocon General

Liberty Group Health Policy

Magma HDI General Insurance Co. Ltd

One Health

New India Assurance Co. Ltd.

New India Premier Mediclaim Policy

Apollo Munich Health Insurance Co. Ltd

Day 2 Day Care


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