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Discuss the factors responsible for the decline of out-of-pocket expenditure and the impact of this trend on the overall healthcare system in India. Suggest measures to further reduce the financial burden on individuals for healthcare expenses.

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

4. Discuss the factors responsible for the decline of out-of-pocket expenditure and the impact of this trend on the overall healthcare system in India. Suggest measures to further reduce the financial burden on individuals for healthcare expenses. (250 words)

Difficulty level: Moderate

Reference: The Hindu

Why the question:

According to a report, the out-of-pocket expenditure as a percentage of total health costs in India decreased from around 62% in 2014-15 to 47% in 2019-2020. This indicates a positive trend towards decreasing financial burden on individuals for healthcare expenses.

Key Demand of the question:

To write about the reasons for decline in out-of-pocket expenditure and further measures needed to reduce the financial burden.

Directive word:

Discuss – This is an all-encompassing directive – you must debate on paper by going through the details of the issues concerned by examining each one of them. You must give reasons for both for and against arguments.

Structure of the answer:

Introduction: 

Start by giving statistics related to reduction in out-of-pocket expenditure.

Body:

First, write about the reasons for decline in out-of-pocket expenditure – implementation of government-funded health insurance schemes and increased public spending on healthcare, equitable healthcare system etc.

Next, write about further steps that can be taken in this regard – improving the quality and accessibility of public healthcare services, exploring innovative financing mechanisms, and focusing on preventive healthcare measures etc.

Conclusion:

Conclude by writing a forward.