Private and Public Health Insurance System in India: Challenges and Opportunities

  • Sahil Afnan S.
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  • Sahil Afnan S.

    Student at School of Law, Presidency University, Bangalore, Karnataka, India

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The coexistence of private and public health insurance systems in India presents a complex landscape marked by both challenges and opportunities. This paper explores the intricacies of India’s dual health insurance framework, analyzing the strengths and weaknesses inherent in the public and private sectors. Challenges include accessibility and affordability of healthcare services, with a disproportionate burden on public health facilities. Disparities in coverage, quality, and the urban-rural divide further complicate the scenario. The opportunities lie in leveraging the strengths of both sectors to create a more comprehensive and inclusive health insurance ecosystem. This abstract delves into policy considerations, technological advancements, and regulatory measures necessary to bridge the gaps and enhance the synergy between private and public health insurance. By examining successful models from other countries and considering the unique socio-economic context of India, the paper suggests avenues for collaboration, innovation, and reform. Ultimately, addressing the challenges and seizing the opportunities in India’s dual health insurance system requires a holistic approach that integrates the strengths of both sectors to ensure universal access to quality healthcare services.




International Journal of Law Management and Humanities, Volume 7, Issue 1, Page 165 - 172


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This is an Open Access article, distributed under the terms of the Creative Commons Attribution -NonCommercial 4.0 International (CC BY-NC 4.0) (, which permits remixing, adapting, and building upon the work for non-commercial use, provided the original work is properly cited.


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