India’s health insurance landscape is expanding, yet a quiet gap continues to shape everyday clinical practice. A recent report by Praxis Global Alliance and NATHEALTH highlights that only about 2% of outpatient healthcare spending in India is currently covered by insurance, leaving the vast majority of routine care financed directly by patients. Outpatient services such as consultations, diagnostic tests, and long-term treatment account for a significant portion of healthcare utilization. Despite this, most insurance products remain heavily oriented toward hospitalization, creating a disconnect between coverage and real-world care needs.
This gap becomes more pronounced as disease patterns evolve. Chronic conditions including diabetes and hypertension now dominate patient volumes, requiring continuous monitoring, regular follow ups, and sustained pharmacotherapy. These recurring…
