Table 5 Financial Protection during hospitalization and outpatient care for India’s Elderly
Insurance coverage | OOPE in out-patient care | OOPE during hospitalization | CHE-10 | CHE-25 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
Total insurance coverage | Coverage under PFHI | Pub | Pvt | Pub | Pvt. | Pub | Pvt | Pub | Pvt. | |
Total | 18.9 | 14.3 | 390 | 852 | 6209 | 38,709 | 23.2 | 64.9 | 9.1 | 37.0 |
Age group (years) | ||||||||||
60–69 | 19.3 | 14.5 | 410 | 822 | 5315 | 39,051 | 22.2 | 67.5 | 7.6 | 38.8 |
70–79 | 17.8 | 13.9 | 336 | 841 | 8364 | 38,523 | 25.4 | 63.0 | 13.0 | 36.6 |
80 and above | 18.7 | 14.3 | 430 | 1039 | 4745 | 37,828 | 23.0 | 58.9 | 6.4 | 30.7 |
Place of Residence | ||||||||||
Rural | 18.1 | 16.6 | 388 | 816 | 6180 | 32,009 | 25.2 | 67.8 | 10.0 | 40.7 |
Urban | 20.4 | 9.5 | 394 | 892 | 6268 | 47,200 | 19.0 | 61.3 | 7.1 | 32.4 |
Gender | ||||||||||
Male | 19.0 | 14.1 | 441 | 857 | 7336 | 44,666 | 25.7 | 67.6 | 10.8 | 41.2 |
Female | 18.7 | 14.5 | 342 | 847 | 4780 | 31,459 | 20.2 | 61.7 | 6.9 | 31.9 |
Marital Status | ||||||||||
Never Married | 17.3 | 14.6 | 318 | 1849 | 7857 | 88,010 | 16.6 | 62.0 | 5.7 | 46.6 |
Currently married | 18.3 | 13.5 | 484 | 861 | 6381 | 40,639 | 21.7 | 67.1 | 9.5 | 38.6 |
Widowed | 19.9 | 15.8 | 256 | 818 | 4370 | 26,638 | 19.8 | 58.1 | 6.1 | 29.7 |
Surviving Children | ||||||||||
At least one surviving child | 18.7 | 14.1 | 393 | 849 | 5676 | 36,426 | 20.3 | 63.5 | 8.1 | 35.3 |
No child | 21.3 | 18.9 | 306 | 937 | 9320 | 56,542 | 40.6 | 77.0 | 14.8 | 51.6 |
Social Groups | ||||||||||
ST | 22.5 | 20.7 | 246 | 613 | 4102 | 22,546 | 25.2 | 69.2 | 3.5 | 43.3 |
SC | 15.1 | 13.6 | 451 | 1063 | 7229 | 24,972 | 27.8 | 61.2 | 12.8 | 31.8 |
OBC | 20.0 | 16.9 | 324 | 782 | 5523 | 33,098 | 23.6 | 66.8 | 8.9 | 38.8 |
General | 18.8 | 10.3 | 492 | 860 | 6779 | 48,538 | 19.9 | 64.1 | 8.5 | 36.5 |
Education | ||||||||||
Illiterate | 17.9 | 16.6 | 333 | 732 | 4409 | 25,878 | 19.7 | 63.5 | 6.4 | 34.3 |
Up to primary | 19.3 | 14.7 | 363 | 856 | 6065 | 31,672 | 21.9 | 65.2 | 11.6 | 33.9 |
Up to secondary | 19.4 | 11.8 | 530 | 786 | 6678 | 46,869 | 23.7 | 63.7 | 8.7 | 39.6 |
Above Secondary | 22.2 | 4.8 | 615 | 1222 | 13,856 | 57,350 | 21.2 | 63.3 | 7.5 | 36.6 |
Household occupation | ||||||||||
Self employed | 14.9 | 13.0 | 500 | 846 | 6961 | 37,673 | 19.7 | 63.5 | 9.4 | 35.9 |
Regular Wages | 24.3 | 10.4 | 308 | 1046 | 5998 | 36,478 | 21.9 | 65.2 | 5.3 | 26.3 |
Casual Labourer | 18.8 | 18.2 | 268 | 618 | 3509 | 22,085 | 23.7 | 63.7 | 8.2 | 36.0 |
Others | 25.2 | 17.1 | 387 | 830 | 5260 | 42,098 | 21.2 | 63.3 | 8.4 | 43.3 |
Economic quintile-Rural | ||||||||||
Poorest | 13.5 | 12.8 | 381 | 761 | 5084 | 19,410 | 43.3 | 75.2 | 17.5 | 47.4 |
Poor | 10.6 | 10.1 | 477 | 908 | 4858 | 28,978 | 24.3 | 67.7 | 4.4 | 45.1 |
Middle | 19.0 | 18.2 | 360 | 725 | 6293 | 24,807 | 19.3 | 71.4 | 8.7 | 37.8 |
Rich | 20.9 | 19.6 | 421 | 659 | 5470 | 32,435 | 22.6 | 72.9 | 10.7 | 44.6 |
Richest | 25.6 | 21.7 | 353 | 918 | 7949 | 39,683 | 22.7 | 60.6 | 9.9 | 36.5 |
Economic quintile-Urban | ||||||||||
Poorest | 13.4 | 10.4 | 371 | 995 | 5577 | 32,077 | 27.6 | 77.1 | 11.8 | 44.4 |
Poor | 18.1 | 13.2 | 322 | 862 | 4227 | 41,811 | 21.6 | 63.2 | 6.4 | 34.7 |
Middle | 18.3 | 9.1 | 352 | 845 | 5850 | 42,262 | 13.6 | 63.8 | 3.7 | 34.2 |
Rich | 19.2 | 9.0 | 441 | 868 | 7091 | 50,633 | 11.6 | 62.3 | 4.9 | 28.2 |
Richest | 35.6 | 5.5 | 564 | 916 | 13,025 | 60,067 | 11.2 | 48.6 | 6.2 | 26.0 |