The High Cost of Healthcare in India: A Close Look at Out-of-Pocket Expenses Nearly 62% Indians pay their medical expenses by themselves that results in financial trouble and impacts long term in accessing education thus impacting on growth, economy.

1. This presentation covers the various ways in which healthcare expenses in India are paid for,
including out-of-pocket expenses, health insurance, government schemes, borrowing money,
selling assets, and community support.
Healthcare Expenses in India: How Indians Pay for Medical
Treatment

2. Photo by Pixabay
Out-of-Pocket Expenses
- Around 62% of healthcare costs in India are
borne out-of-pocket by individuals.
- People pay for medical treatments directly,
without any financial assistance from insurance or
government schemes.
- Can lead to financial stress and hardship for
households.

3. Photo by Pixabay
Health Insurance
- Some Indians have health insurance but
coverage is limited.
- Only around 29% of urban and 17% of rural
households have at least one member with health
insurance.
- Can help reduce the burden of out-of-pocket
payments for medical expenses.

4. Photo by Pixabay
Government Schemes and
Programs
- The Indian government has introduced several
healthcare schemes to provide financial assistance
for healthcare to economically vulnerable families.
- Programs such as the Pradhan Mantri Jan Arogya
Yojana (PMJAY) or Ayushman Bharat aim to reduce
out-of-pocket expenses for beneficiaries.
- The reach and impact of these programs are still
limited.

5. Photo by Pixabay
Borrowing Money
- Many Indian families resort to borrowing money
from friends, relatives, or moneylenders to cover
healthcare costs.
- This can lead to high-interest loans and
long-term debt, exacerbating financial stress for
households.

6. Photo by Pixabay
Selling Assets
- In dire circumstances, some families in India may
choose to sell assets such as land, property, or
jewelry to cover medical expenses.
- These distress sales can have long-lasting
effects on a family's financial stability and social
standing.

7. Photo by Pixabay
Community and Crowdfunding
Support
- In some cases, communities or social networks
may come together to help individuals and families
pay for healthcare expenses through donations or
crowdfunding campaigns.
- This support can be a lifeline for those who
cannot afford treatment on their own.

8. Photo by Pixabay
Challenges in Healthcare
Payment
- Lack of universal healthcare coverage and
inadequate insurance penetration in India.
- High out-of-pocket expenses leading to financial
stress and hardship for households.
- Limited government schemes and programs to
provide financial assistance for healthcare.

9. Photo by Pixabay
Future of Healthcare Payment in
India
- Need for greater investment in healthcare
infrastructure and coverage.
- Importance of promoting and expanding health
insurance.
- Potential for technology and innovation to
improve healthcare access and affordability.

10. Thank you. Please feel free to ask any questions. 😄