Rising healthcare costs in India are leaving millions of citizens grappling with financial distress. From skyrocketing insurance premiums to inflated hospital bills, the cost of accessing quality medical care is becoming increasingly out of reach for the common man. Experts warn that this trend, if left unchecked, could push more households into poverty.
Health insurance, intended to shield families from catastrophic expenses, is now a significant source of financial strain. Premiums have surged in recent years, with many policyholders seeing a twofold increase. The situation is exacerbated by frequent claim rejections. Even government-backed schemes like Ayushman Bharat face implementation challenges, with delays in payments driving private hospitals to opt out.
Policyholders across the country report frustration with insurers. “I bought health insurance to feel secure, but when my claim was denied during an emergency, it felt like a betrayal,” said Rajesh Kumar, a Delhi resident.
Private hospitals are at the centre of criticism for their exorbitant charges. Room rents, intensive care costs, and surgical fees have risen steadily. Studies reveal that hospitalisation expenses now account for more than half of the average Indian household’s out-of-pocket healthcare expenditure.
Experts cite the corporatisation of healthcare as a key factor. “Corporate hospitals operate like businesses. Their focus is often on profitability rather than affordability,” said Dr. Sunita Sharma, a public health expert.
Patients are increasingly questioning the necessity of diagnostic tests. From MRIs to an array of blood tests, many are prescribed procedures that inflate bills without clear justification. “I was asked to undergo three scans for a simple fever. It cost me ₹12,000,” said Priya Menon, a Bengaluru resident.
Reports indicate that over-prescription of diagnostic tests is driven by defensive medicine practices and profit motives.
Consultation charges for doctors, particularly specialists in urban areas, have surged dramatically. Fees now range from ₹1,000 to ₹3,000 per visit, a significant financial burden for patients requiring ongoing care.
Imported medical devices and branded drugs also contribute to rising healthcare expenses. While the government has imposed price caps on items like stents and knee implants, enforcement remains inconsistent. Cheaper alternatives, such as generic medicines, continue to face awareness and distribution challenges.
In rural India, where public healthcare facilities are limited, families often have to travel to cities for medical care. This adds the burden of travel and accommodation expenses, compounding their financial strain.
Experts emphasise the need for urgent reforms to tackle this crisis. Suggestions include regulating insurance premiums, promoting generic medicines, and increasing investment in public healthcare. Ensuring transparency in hospital billing and incentivising affordable healthcare services are also critical.
India’s healthcare system is at a crossroads. While advancements in technology and infrastructure are commendable, they cannot come at the cost of affordability. Policymakers, healthcare providers, and insurers must collaborate to ensure that quality medical care is accessible to all.
As healthcare costs soar, the question remains: how long can the average Indian afford to stay healthy?