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Official evidence · January–December 2025 survey; 15-day illness/outpatient and 365-day hospitalisation/childbirth recall

Healthcare use, insurance and medical spending in India

The 2025 health survey found 13.1% of people reporting an ailment during the previous 15 days. It also estimated 2.9 hospitalisation instances per 100 people in the preceding 365 days, excluding childbirth. One asks about recent self-reported illness; the other counts admission instances over a much longer window. They cannot be combined into a single rate of people needing care.

National Statistics Office, MoSPI / Press Information Bureau · Source checked 2026-10-14

Out-of-pocket medical spending per hospitalisation averaged ₹34,064, while its median was ₹11,285. The difference matters when describing a typical case versus aggregate financial burden. Public-facility cases had a mean of ₹6,631 and median of ₹1,100. Retain the facility categories: government-empanelled private hospitals are classified as private. Coverage of a health-financing scheme is a separate person-level measure, not a guarantee of zero expenditure.

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Out-of-pocket medical spending per hospitalisation, excluding childbirth
Medical institution	Mean (INR)	Median (INR)
Govt. hospital/Public health facilities	6,631	1,100
Charitable/Trust/ NGO run hospital	39,530	10,000
Private hospital (incl. Govt. empanelled)	50,508	24,000
All	34,064	11,285

Unit: INR per case. Population / universe: NSS Health 2025 survey; hospitalisation cases excluding childbirth / institutional childbirth cases / persons as table label states. Sample survey and self-reported illness; not clinical prevalence. Hospitalisation rate is instances per 100 persons, excluding childbirth, not necessarily distinct people. Expenses are out-of-pocket medical expenditure at survey-period prices, per case, not hospital prices or insurance premium. Private includes government-empanelled private facilities. Mean and median answer different questions and must stay separate. Survey coverage is persons, whereas NFHS household-health-cover indicators use a different denominator.

Reference: January–December 2025 survey; 15-day illness/outpatient and 365-day hospitalisation/childbirth recall. Locator: B5 expenditure, I. Checked 2026-10-14.

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Out-of-pocket medical spending per institutional childbirth
Medical institution	Mean (INR)	Median (INR)
Govt. hospital/Public health facilities	2,299	801
Charitable/Trust/ NGO run hospital	19,612	13,000
Private hospital (incl. Govt. empanelled)	37,630	32,000
All	14,775	2,851

Reference: January–December 2025 survey; 15-day illness/outpatient and 365-day hospitalisation/childbirth recall. Locator: B5 expenditure, II. Checked 2026-10-14.

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Health survey measures by rural and urban residence
Measure	Rural	Urban	India
Persons reporting illness in previous 15 days (%)	12.2	14.9	13.1
Hospitalisation instances per 100 persons in previous 365 days, excluding childbirth	2.7	3.2	2.9
Institutional childbirths in previous 365 days (%)	95.6	97.8	96.2

Unit: row-labelled percent / instances per 100 persons. Population / universe: NSS Health 2025 survey; hospitalisation cases excluding childbirth / institutional childbirth cases / persons as table label states. Do not sum rows: periods, universes and numerators differ.

Reference: January–December 2025 survey; 15-day illness/outpatient and 365-day hospitalisation/childbirth recall. Locator: B. Key findings. Checked 2026-10-14.

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Persons with health insurance or financing-scheme coverage
Area	2017–18 (%)	2025 (%)
Rural	14.1	47.4
Urban	19.1	44.3

Unit: percent of persons. Population / universe: NSS Health 2025 survey; hospitalisation cases excluding childbirth / institutional childbirth cases / persons as table label states. Persons covered under any health insurance or financing scheme; not all household members necessarily covered.

Reference: January–December 2025 survey; 15-day illness/outpatient and 365-day hospitalisation/childbirth recall. Locator: B4 population covered by health insurance. Checked 2026-10-14.

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These tables are historical observations or survey-period estimates. They are not a live feed or a forecast. Keep the population group, unit and reference period with every reused figure.