An autonomous research institute under the Ministry of Finance


Fair play in Indian Health Insurance

Publication date

May, 2018


NIPFP Working Paper No. 228


Shefali Malhotra, Ila Patnaik, Shubho Roy and Ajay Shah


In recent years there has been an increased role for health insurance in Indian health care, through government funded health insurance programs and privately purchased health insurance. Our analysis of the claims ratio and the complaints rate in the health insurance industry, suggests that there are important difficulties with the working of health insurance. The lack of fair play in this industry is derived from deficiencies in regulations, weak enforcement of regulations and faulty institutional design of consumer redress. The solutions lie in laws and regulatory processes for consumer protection. Examination of health policy and financial policy, together would formulate a strategy for change.
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