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A Study of Health Insurance Business in India


  • Dr. Trilochan Sharma

    () (Senior Lecturer, Institute of Business Studies, Chaudhary Charan Singh University, Meerut.)


It was 1884 when the health insurance came into existence in Germany. Initially it started for sickness and accidental insurance. After First World War it was adopted by Great Britain, France and Soviet Union. Briton was the first country in the world that made the health insurance compulsory for their citizens. This facility was providing at a nominal cost. There was no any specific service and rules for health insurance in India before 194. The insurance act 1912 and 1938 was not provided any specific rule and guidance for health insurance as both was focused on life insurance. The state insurance scheme started in India in 1948. The central government of India started a health insurance scheme from 1954. More than 80 percent population of India is uncovered from health insurance still today. The government of India deregulates the insurance business from the year 1999. IRDA act came into existence; it gave a new direction to the insurance industry in India. Presently 22 companies are working in health insurance sector 19 in private sector and three others in government sector Maharashtra is the best state in health care coverage.

Suggested Citation

  • Dr. Trilochan Sharma, 2016. "A Study of Health Insurance Business in India," Journal of Commerce and Trade, Society for Advanced Management Studies, vol. 11(1), pages 85-90, April.
  • Handle: RePEc:jct:journl:v:11:y:2016:i:1:p:85-90

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    Schemes; Health; Insurance; Private; Public and performance.;

    JEL classification:

    • A0 - General Economics and Teaching - - General
    • C0 - Mathematical and Quantitative Methods - - General


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