Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan

Home / Health Insurance / Articles / General Health Insurance / Top 5 Healthcare Challenges in India

Top 5 Healthcare Challenges in India

Team AckoJan 17, 2024

Rising population and medical inflation are often cited as major healthcare challenges in India. Looking ahead, these challenges are going to become even more challenging. As per a UN report, India is poised to overtake its neighbor, China, to become the most populous country in the world in the next decade. Willis Survey suggests India may record 10.50% medical inflation in 2019. Thus, these two major issues are going to be troublesome in the short-run as well as the long run as far as healthcare is concerned. But that’s not it. Apart from these constant impediments, there are other issues plaguing Indian healthcare as well. Read ahead to know top 5 healthcare challenges in India.




Medical Expenditure

Unpredictable medical expenditure pushes people into poverty’s sinking sand. Once in, it is difficult to come out of it. With exhausted savings and towering loans, there is very little that such families can do to emerge out of this emergency-induced catastrophe. The World Health Organization (WHO) recognizes this problem and thus, its theme for World Health Day 2019 is Universal Health Coverage. This includes creating awareness about equal access to health services for everyone. Such out-of-pocket medical expenses are a major healthcare challenge in India.

1. Preventive Care

Home remedies are often the first response for health issues. While they might be productive for minor issues, home remedies can be further damaging in cases where prompt medical attention is required. Also, blind-faith on the videos and articles easily available online can be detrimental.

2. Rural Infrastructure

There is a massive gulf when it comes to urban and rural infrastructure with regard to healthcare. Physicians, dispensaries, hospitals, etc. are clustered in cities whereas rural areas are left unserved to a great extent. The rural infrastructure is so worrisome that there is only one government hospital bed for around 2000 people in India.

3. Public Welfare

Subsidies and increase in welfare budgets are some of the activities undertaken by the authorities for citizens’ benefit. The government keeps churning out public welfare schemes from time to time but are they enough for the rising population? Are there enough skilled medical professionals across the country to cater to the health requirements of the citizens? Is technology leveraged optimally to ensure rural penetration for better awareness regarding precautionary measures?

4. Low Medical Insurance Coverage

When it comes to low per capita healthcare expenditure across the globe, India features among the lowest. A Forbes article states, more than 75% of Indians do not have medical insurance. Absence of the financial cushioning provided by medical insurance results in exhaustion of savings in order to tackle medical issues.

5. Interlinked Issues

As it is evident from the above-mentioned points, major healthcare challenges in India are interlinked. Solving one or two issues won’t be enough. A strategic level change needs to be implemented that can tackle all these challenges. Perhaps, the emergence of digital infrastructure can play a huge role in intensifying the drive to find a solution to overcome these mammoth challenges. Digitization can be perceived as an enabler that can play a critical part in overcoming major healthcare hurdles in India.

Also, read: Preventive Health Check up

Online Health Insurance Policy

You can secure your finances by availing an online health insurance policy. The difference between a good health insurance policy and a bad health insurance policy is the coverage offered. One must not be overawed by low-prices but must compare the coverage offered for the price. A good health insurance policy will have adequate coverage at an affordable price provided by an insurer that is service oriented and believes in offering total convenience to its policyholders.

Explore More

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.

Explore More Articles on General Health Insurance



Want to post any comments?


Affordable Health Insurance for You & Your Family starting @ ₹20/day*

✅ 100% Room Rent Covered* ✅ Zero deductions at claims ✅ 7100+ Cashless Hospitals

quote icon

Check health insurance

quote icon