Health insurance in India is skewed with the top five states -Maharashtra, Tamil Nadu, Karnataka, Delhi and Gujarat – contributing 71% of total premium, while the rest of the 31 states and union territories contributed only 29%, according to data with the Insurance Regulatory and Development Authority of India (IRDA).While Maharashtra contributed `6,575 crore (33%) of the total premium, the combined premium from the eight north-eastern states was only `158 crore (0.79%) for 2014-15.
A marginal improvement from last year’s contribution where they pooled in 118 crore (0.60%).
“It is not just about literacy levels. For instance north-eastern states like Mizoram have 91.58% lite racy and Tripura 87.75%, compared to Karnataka’s 75.60% or Gujarat’s 79.31%.It’s more about access to financial products,” says a senior IRDA official.
The top five states have been seeing a remarkable rise in health insurance penetration — Karnataka saw a 20% hike in premiums collected to 2,123 crore from the previous year.
The national health insurance programme RSBY for unorganized workers is implemented in 30 districts in Karnataka — including Ballari and Chikmagalur. When it came to group medi-claims, Maharashtra (3,468 crore) led again while Karnataka came second (1,521 crore).
Curated from Health insurance reach confined to just 5 states