Out-of-pocket medical expenses remain high in India - CAM Survey
New Delhi: The average out-of-pocket expenditure (OOPE) for hospitalisation, including institutional deliveries, in rural and urban India stood at ₹4,129 and ₹5,290 per household, respectively, between July 2022 and June 2023, according to the Comprehensive Annual Modular (CAM) Survey by the National Sample Survey Office (NSSO).
OOPE refers to the expenses households bear at the time of receiving healthcare, and it is a key measure of financial protection in healthcare payments. The survey, released on Wednesday, was conducted as part of the 79th round of the National Sample Survey (NSS). Covering over 3 lakh households across India, the CAM survey aims to generate data on education, healthcare expenditure, digital use, financial inclusion, and asset possession, except for certain villages in the Andaman and Nicobar Islands.
The survey also noted that rural and urban households spent an average of ₹539 and ₹606, respectively, on medical services not requiring hospitalisation within a 30-day period. Additionally, individual costs of hospitalisation in rural areas amounted to ₹1,035, with 91.3% being OOPE, while in urban areas, the cost was ₹1,879, with 60.9% from OOPE.
Despite government health initiatives, OOPE remains a significant burden. The survey reveals that the average cost of hospitalisation during the period was ₹4,496 in rural areas and ₹6,877 in urban areas. This indicates that rural households spent about 92% of their hospitalisation costs from their own pockets, while urban households covered approximately 77% of these costs through OOPE.
In contrast, the 75th NSS round in 2017-18 recorded higher average medical expenditures for hospitalisation, at ₹16,676 in rural areas and ₹26,475 in urban areas. This suggests some progress, likely influenced by schemes like Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), which provides health coverage of ₹5 lakh to nearly 50 crore Indians.
Health experts have also noted a rise in private health insurance uptake, especially post-Covid-19, as a contributing factor in reducing OOPE. However, public health specialists warn that OOPE alone does not provide a complete picture. Catastrophic healthcare expenditure (CHE) and the percentage of people pushed into poverty due to healthcare costs are also important indicators to assess financial protection in healthcare.
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Sujit Nair raises concerns over speculation of DMK-AIADMK understanding to block TVK
Chennai: Journalist and political commentator Sujit Nair has expressed concern over speculation that the Dravida Munnetra Kazhagam and the All India Anna Dravida Munnetra Kazhagam could explore a post-poll understanding to prevent Vijay-led Tamilaga Vettri Kazhagam from forming the government in Tamil Nadu.
In a social media post, Sujit Nair said the election verdict in Tamil Nadu reflected a clear public demand for political change and argued that the mandate should be respected irrespective of political preferences.
Referring to reports and political discussions surrounding a possible understanding between the DMK and AIADMK, he said he hoped such developments remained only speculative conversations and did not turn into reality.
Nair stated that if such an alliance were to take shape, it would raise serious questions about ideological politics in the country. He said TVK had emerged through a democratic electoral process and that the legitimacy to govern in a parliamentary democracy comes from the people’s verdict.
According to him, attempts to prevent an electoral winner from forming the government through unexpected political arrangements may be constitutionally valid, but many people could view them as politically opportunistic.
He further said that such a move could particularly affect the political image of the DMK, which has historically projected itself around ideology, social justice and opposition politics. Nair said that in ideological terms, the DMK appeared closer to TVK than to the AIADMK, and joining hands with its long-time political rival only to remain in power could weaken its broader political narrative.
He added that the same questions would apply to the AIADMK as well, as the party had spent decades positioning itself against the DMK and such an arrangement could create discomfort among its cadre and supporters.
Drawing a comparison with Maharashtra politics in 2019, Nair said he had expressed similar views when the Shiv Sena formed an alliance with the Indian National Congress and the Nationalist Congress Party after the Assembly elections.
He said post-poll alliances between long-standing political rivals often create a public perception that ideology and electoral mandates become secondary when political power equations come into play.
Nair also said such developments increase public cynicism towards politics and reinforce the belief among voters that ideology is often sidelined after elections.
He maintained that the Tamil Nadu verdict was emphatic and said respecting both the spirit and substance of the mandate was important for the credibility of democratic politics.
