India has more doctors, but poor care. Is relicensing the answer?
Without fixing funding in healthcare, improving training quality, and accountability, relicensing risks becoming another box-ticking exercise.
Health insurance is a financial safeguard that covers medical expenses arising from illness, injury, or hospitalization. By paying a regular premium, policyholders receive protection against high treatment costs, including doctor consultations, diagnostic tests, surgeries, and emergency care. This reduces the financial burden during medical crises and ensures timely access to quality healthcare.
Health insurance plans come in various forms, such as individual policies, family floater plans, senior citizen plans, and critical illness coverage. Many policies also offer features like cashless hospitalization, pre- and post-hospitalization benefits, and annual health check-ups. Choosing the right plan depends on factors like age, medical history, coverage needs, and budget.
With rising healthcare costs, having health insurance is essential for financial security. It not only protects savings but also promotes better health management through preventive care options and wellness benefits.
Without fixing funding in healthcare, improving training quality, and accountability, relicensing risks becoming another box-ticking exercise.
Ahead of Budget 2026, senior citizens are seeking stronger healthcare support, higher pensions and meaningful tax relief. Experts say focused policy action is needed to build a dignified and affordable senior care ecosystem.
Narayana Health is revolutionising affordable cardiac care across the country with low-cost insurance plans
Punjab government has launched the Mukh Mantri Sehat Yojna, a universal health insurance scheme providing free treatment up to Rs 10 lakh per family. This initiative aims to make high-cost medical care accessible to all residents without any income restrictions.
Many investors focus on SIPs to build wealth, but experts say protection should come first. Health and term insurance can safeguard savings and ensure long-term financial plans stay on track during emergencies.
The United States has dramatically changed its childhood vaccine schedule, cutting back broad recommendations for several shots including flu and rotavirus. The shift to shared clinical decision-making draws praise from political leaders but faces sharp criticism from public health experts.
The RBI highlights that the insurance sector is systemically important because of its size, its role as a long-term investor, and its growing links with the wider financial system.
Data in the IRDAI Annual Report 2024–25 shows that grievances categorised under Unfair Business Practices increased to 26,667 in FY25, up from 23,335 in FY24, a rise of around 14% year-on-year.
From gas connections to piped water, Jan Dhan to health insurance, there seemed to be a scheme for every aspect of citizens’ lives
Voluntary Retirement Schemes, or VRS, and early exits, once seen as dramatic decisions, have now become part of real conversations in many households.
From September 22, individual health and life insurance policies have become free from Goods and Services Tax, removing the 18% tax that policyholders were paying earlier.
The Insurance Regulatory and Development Authority of India (IRDAI) recently released the Draft Internal Insurance Ombudsman Guidelines, 2025. These rules propose a new accountability structure inside insurance companies to speed up dispute resolution and reduce harassment of consumers.
When a dangerous blood clot hospitalised Purvi Gupta, her family expected their insurer to stand by them. Instead, they recount months of bewildering paperwork, escalating confusion, and a sudden fraud tag they insist was never disclosed. This week's 'Claim Denied' story follows a family left stunned and fighting for answers.
Cancer patients are facing a health insurance crisis. A new study finds early detection rising but coverage thinning, leaving households to manage high bills, multiple claims and growing out-of-pocket expenses.
Big life changes often bring financial blind spots. For newlyweds, reviewing insurance early is a simple step that keeps their plans on track as they start their new chapter.
As pollution worsens across Indian cities, are health insurers preparing to charge residents more for risks they cannot control? The big question now is how soon premiums will change.
A new report reveals how India’s 16 crore persons with disabilities remain largely locked out of both public and private health insurance, even as soaring medical costs push many into poverty each year.
Upasana Konidela's remark on egg freezing reignites fertility discussions in India. Is it truly an insurance policy for women?
An Indian software engineer in Japan shares his detailed salary structure and monthly deductions, which triggered a discussion regarding the cost of living abroad versus in India.
Health insurance claim settlement ratios often look impressive but hide critical details about payouts, delays, and deductions. In this special report, we unpack what the number really means for policyholders.
On this Special Report, Punjab Health Minister Dr Balbir Singh addresses the fallout from an India Today investigation into the Ayushman Bharat Yojana. Following reports of hospitals denying treatment or illegally charging beneficiaries, the Punjab government has issued show-cause notices to JP Diagnostics in Zirakpur and Indus International Hospital in Dera Bassi. Dr Balbir Singh stated, 'Central government owes Punjab 300 crore rupees,' while criticising the funding model where the Centre allegedly pays only 20 percent despite a 60-40 cost-sharing agreement. The Minister highlighted that while the state has allocated 1200 crore rupees to cover the entire population, delays and budget limits from the Centre continue to hamper the scheme. He confirmed having raised these concerns with the Union Health Minister twice. The programme examines the friction between the state and Centre over healthcare reimbursements and the impact on 16 lakh families in Punjab.
An unidentified speaker, presented in the bulletin as the Army Chief, delivers a warning on terrorism and says the operation is continuing. The key line is: 'Operation Sindoor remains ongoing. Any future misadventure will be resolutely responded to.' The speaker also describes a shift towards network-enabled multi-domain operations and lists planned capabilities including BrahMos extended range, Pinaka, QR-SAM extended range, drones and munitions. The transcript mentions reduced acquisition timelines under emergency procurement, greater funding, and empowerment of commanders with procurement powers. It also details logistics modernisation with logistic drones and robotic mules, claims major progress on indigenisation of ammunition, and outlines initiatives on quantum, AI platforms, sovereign LLM development, and the secure Samba mobile phone.
An India Today special investigation, 'Operation Ayushman,' exposed how numerous empanelled private hospitals deny cashless treatment to eligible patients and demanding cash payments across Delhi NCR, Punjab, and Himachal Pradesh.
This special report by India Today investigates the ground reality of the Ayushman Bharat Yojana, India’s largest publicly funded health insurance scheme. The investigation found repeated instances of patients being discouraged, asked to pay out of pocket, or denied treatment despite having valid Ayushman cards. The report covers hospitals across Delhi, the National Capital Region, Chandigarh, Punjab, and Himachal Pradesh. A key finding is: 'The promise of cashless healthcare ceases to exist.' Hospitals cited financial losses, pending government payments, and selective treatment policies as reasons for refusing care. The investigation raises serious questions about enforcement, accountability, and the true beneficiaries of the scheme.
In this Special Report, India Today’s Special Correspondent Nitin Jain conducts a reality check on the Ayushman Bharat Yojana. The investigation reveals that empanelled private hospitals in Punjab, Himachal Pradesh, and Chandigarh are denying cashless treatment to poor patients. Hospitals like Indus International in Mohali and Bhatia Hospital in Patiala were found demanding cash or citing pending government dues to refuse care. Dr. SR Sharma of Navjeevan Nursing Home in Solan admitted to rejecting cards due to unpaid dues of Rs 1 crore. The report exposes the gap between the scheme's promise and the ground reality.
In this investigative report, India Today’s special correspondent Nitin Jain conducts a multi-state reality check on the implementation of the Ayushman Bharat Yojana.
On this Special Report, an India Today expose reveals the 'bitter truth' behind the Ayushman Bharat scheme. An Unidentified speaker highlights that while the government claims 'hefty numbers' of beneficiaries, patients on the ground face significant hurdles. Doctors admit that 'wait time for such patients is generally far too long' and some hospitals refuse admission due to lack of specialties or payment issues. The report also uncovers issues with 'fake cards' and biometric delays.
A Punjab minister has highlighted alleged loopholes in the central Ayushman Bharat scheme, citing limited scope and funding issues. Speaking to India Today, the minister announced the launch of a new universal state health scheme offering 10 lakh rupees cover. The transcript reveals claims that hospitals are turning away patients due to delayed payments from the Centre. The report also discusses an anti-fraud unit's role in monitoring erring hospitals.
In a major impact of the India Today expose 'Operation Ayushmann', top ministers and officials have promised strict action against hospitals denying treatment to Ayushman Bharat cardholders. UP Deputy Chief Minister Brajesh Pathak assured that 'erring hospitals' will face penalties and blacklisting. The investigation revealed how private hospitals, termed 'vultures', turn away poor patients despite valid cards. Dr. Pankaj Singh also addressed the issue, stating that complaints are being handled and payments are being processed. The report highlights the struggle of the poor in Noida, Ghaziabad, and Delhi.
On this Special Report, India Today exposes critical loopholes in the Ayushman Bharat scheme. Senior Editor Kamaljeet Sandhu reports from Chandigarh on the ground reality, where hospitals are turning away patients and demanding cash. Punjab Health Minister Dr. Balbir Singh addresses the sting operation, promising an investigation by anti-fraud teams and highlighting the new 'Mukhya Mantri Sehat Scheme' to double health cover. The programme explores the gaps in healthcare delivery and the government's response.
On the occasion of Good Governance Day, the address highlighted the vision of Pandit Deendayal Upadhyay and the concept of Antyodaya. The speaker emphasised that 'Modi has made Deendayalji's dream his resolution', focusing on the saturation of welfare schemes like housing, water, and electricity as 'true secularism'. The speech noted that crores of Indians have defeated poverty in the last decade. Highlighting Uttar Pradesh's progress, the address stated, 'Our UP is making its identity as an expressway state' and has become 'India's number one mobile manufacturing state'. The legacy of Atal Bihari Vajpayee in telecom and connectivity was also lauded. The address also mentioned the expansion of the metro network and the 'Golden Quadrilateral' project, asserting that the government is giving a 'new dimension' to good governance.
This Get Real India report covers the disruption of the Ayushman Bharat health insurance scheme in Chhattisgarh, where private hospitals have stopped services.
In this episode of To The Point, the focus is on the major GST restructuring, a move that provides a bonanza for consumers through tax cuts on items like medicines and health insurance.
The edition of 5Live programme analyses the GST Council's major decisions, focusing on their impact on healthcare and the economy.
A landmark move to make health and life insurance more affordable by placing them under the Nil GST bracket is at the centre of a political debate. The decision comes at a time of high medical inflation, intended to incentivise insurance penetration. While the government, through a statement by Amit Shah, has termed it a reform that will bring "huge relief to the poor and middle class", the opposition has claimed credit. A Trinamool Congress statement attributed to Mamata Banerjee called it a "victory for common people, a victory rested. From a tone deaf regime that only listens when forced". Concerns have also been raised about the significant revenue loss for states, with questions posed on the quantum and timeline for compensation. The discussion also explores the broader economic impact, including benefits for the MSME sector through simplified compliance, rationalised duty structures, and a potential boost to consumption.
GST tax rates on common use items ranging from hair oil to corn flakes, TVs, and personal health and life insurance policies were slashed after the all-powerful GST Council on Wednesday approved a complete overhaul of the tangled Goods and Services Tax regime.
Two-day GST Council meetings are expected in September to pave the way for reforms. The announcement was made by the Prime Minister from the ramparts of the Red Fort. These reforms are seen as a Diwali gift for the middle class. Key changes include the removal of the 12% GST slab and rate rationalisation for health and life insurance policies. The government aims to reduce the GST on most items currently in the 12% slab to 5%. This move is expected to make essential items such as footwear, bags, clothes, and toothpastes more affordable. The government is addressing concerns about inflation and the rising cost of living. Feedback regarding health insurance, which impacts the common person, has also been considered. The meetings in September are crucial for approving these changes, with implementation anticipated before Diwali. The Finance Ministry and state finance ministers have been involved in the process.
Private hospitals in Haryana have stopped admitting patients with Ayushman Bharat insurance cards. This action, effective since Thursday, involves over 650 private hospitals across the state.
The Delhi government has formed a committee to formulate and implement welfare schemes for gig workers in the national capital. The committee, headed by Sunil K Gupta, will focus on creating an IT portal for worker enrolment and coordinating with different platforms. This initiative follows the BJP's election promise to provide a social security net for gig workers such as delivery personnel.
The Opposition protested inside Parliament on Tuesday, demanding the centre to rollback GST on health insurance policies. Senior Trinamool Congress leader Derek O'Brien raised the issue in Parliament the previous day.