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5) The health insurance in India suffers from many lacunae. In the light of the basic right to health of citizens that flows from Article 21 of the Constitution, critically analyse problems plaguing India’s health insurance sector and measures needed to fix these problems.

Topic:  Issues relating to development and management of Social Sector/Services relating to Health,

5) The health insurance in India suffers from many lacunae. In the light of the basic right to health of citizens that flows from Article 21 of the Constitution, critically analyse problems plaguing India’s health insurance sector and measures needed to fix these problems. (250 Words)

The Hindu

The Indian Express

Why this question?

It is in news due to Delhi High Court order. Moreover, health insurance is an important issue due to government’s new scheme (National Health Protection Scheme). Important question for Mains. 

Key demand of the question:

Please note that the main focus of answer should be on analysing problems plaguing health insurance and what measures are needed to fix them. But you should analyse in the light of Right to Health context (Which means, most of your points should be related to rights aspects)   

Directive Word:

Critically analyse: In various parts, you should objectively examine and write opinion regarding demand of the question. Here, wherever it’s needed, write 1-2 positives also. 

Structure of Answer:

In the introduction, by linking to current issues, write in 2-3 lines importance of universal health coverage that is rights based. 

In the body, divide answer into TWO mains parts – to address Problems and Measures to address these problems. Within each part, in various categories, examine problems that are related to insurance companies, government policy, health policies, court observations etc – all by keeping in mind Right to health aspect.

In the conclusion, suggest why it’s urgent for India to fix these problems and move towards becoming more inclusive healthy society.