Almost 7 in 10 in India say health insurance policies are too difficult to understand

60% of patients put off going to the doctor because of a lack of health cover.

Almost seven in 10 respondents in India are saying that health insurance policies are too difficult to understand, a study by healthcare startup Pristyn Care Data Labs revealed.

Over 1,100 respondents took the survey, supported by insights from internal data of over 400,000 patient interactions in relation to health insurance.

The study also revealed that 60% of patients delay medical treatment because of the lack of health insurance.

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Almost 50% said that the biggest pain point is the long waiting time when filing an insurance claim. Other challenges include were deduction of money at the time of claiming (24%) and complex paperwork (17%)

Additionally, a majority of people want alternative treatments like Ayurveda, Unani, Siddha, homeopathy, and naturopathy to be covered under health insurance.

“The patient’s journey starts from buying health insurance, meeting a healthcare provider, receiving the diagnosis, getting treatment, paying for the services and then claiming health insurance. Amongst the dozens of healthcare pain points, a long waiting time for the claim approval is the biggest pain point as one vastly underestimates the costs associated with medical treatments,” Harsimarbir Singh, co-founder of Pristyn Care said.