• India Health Insurance Information

---

 

India offers comprehensive healthcare through the local (state or territorial} governments.

The public healthcare system, financed by taxpayers' money, boasts of an array of impressive government hospitals (some of them are ranked among the best in India). The system also covers medication and a lot of essential medications are dispensed at no charge to the patients.

 Here medical treatments are relatively cheap, or at no cost. To cite an example, an out-patient treatment at AIIMS (one of the best hospitals in India) would cost a fee of riupees 10 (equivalent to 20 cents US) at first visit.

There would be no cost for subsequent medical advices. If in-hospital treatment is required, cost would be based on financial condition and facilities necessary of the patient.

In fact, if a patient is deemed to be below poverty line, no fee would be imposed. But patients have choice for little luxuries such as air-conditioned rooms, which come with an additional token amount. Invariably the charge for in-hospital treatments as well as investigations cost relatively less compared to a private hospital. This is possible due to the annual subsidy from the central and/or state governments.

 Primary care is dispensed over at the city and district hospitals, and also primary health centers (PHC) in the rural areas and is free of charge.

Here the primary care is concerned more with immunization, prevention of malnutrition, child birth, postnatal care, pregnancy, and treatment of common illnesses.

Patients who are in need of specialized treatment can go to secondary (at district and taluk headquarters) and tertiary care hospitals (at district and state headquarters or those teaching hospitals).

Good as they are, the government hospitals still run into staff shortage and sometimes financial constraints, which result in poor service. Many patients have started to turn to private healthcare providers.

 Competition has also emerged in the form of Hindustan Latex Family Planning Promotional Trust and other private business.

More and more private hospitals and clinics are being built. These new hospitals and clinics also offer subsidized, or even free, medical care. The other offering is also subsidized insurance plans.

 If you wish to have receive more information about International Health Insurance in India ask us for a  Free Quote, please do not hesitate to contact one of our team member.