India’s healthcare system has improved in infrastructure and medical technology, but affordability remains a key concern. A large section of the population still depends on out-of-pocket spending for treatment. This often leads to financial stress or delays in care. The gap between access and affordability shows the need for a stronger financial safety net in healthcare..

印度的医疗系统在基础设施和医疗技术方面有所改善，但可负担性仍然是一个关键问题。很大一部分人口仍然依赖自费支付治疗费用，这常常导致经济压力或护理延误。获取医疗服务和可负担性之间的差距表明，医疗领域需要更强大的财务安全网。

The reason why financial protection is still a challenge

金融保护仍然是一个挑战的原因

Rising treatment costs and low insurance coverage have created an imbalance. Many people are either not covered or are underinsured. In medical emergencies, they face direct financial exposure.

不断上涨的治疗费用和较低的保险覆盖率造成了不平衡。许多人要么没有保险，要么保险不足。在医疗紧急情况下，他们面临直接的财务风险。

Healthcare continues to act as a financial burden for many households. Without a strong protection system, access to care depends on the ability to pay. This situation highlights the need to improve insurance systems that can cover people across income groups.

医疗保健仍然是许多家庭的经济负担。在没有强有力保护体系的情况下，获得医疗服务取决于支付能力。这种情况突显了改善能够覆盖各收入群体的保险制度的必要性。

The role of universal health insurance in reforming the system

全民健康保险在改革体制中的作用

Experts believe universal health insurance can help reduce financial barriers in accessing quality care. It can support early diagnosis and improve health outcomes. By spreading risk across a larger population, it can also bring more transparency into healthcare delivery.

专家认为，全民健康保险有助于减少获得优质医疗服务的经济障碍。它可以支持早期诊断并改善健康结果。通过在更广泛的人群中分担风险，它还可以为医疗保健服务带来更多透明度。

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Such a system can improve coordination between hospitals, insurers, and policymakers. This can help build a more efficient and patient-focused healthcare model.

这样一个系统可以改善医院、保险公司和政策制定者之间的协调。这有助于建立一个更高效、以患者为中心的医疗模式。

Universal coverage can also strengthen preventive healthcare. Insurance-backed systems encourage regular check-ups and early screenings. This can reduce the number of advanced-stage diseases and lower overall healthcare costs over time.

全民覆盖还可以加强预防性医疗保健。有保险支持的系统鼓励定期检查和早期筛查。这可以减少晚期疾病的数量，并随着时间的推移降低整体医疗成本。

Closing the healthcare leadership gap

缩小医疗领导力差距

Healthcare leaders are urging for more inclusive and accessible models. They are focusing on expanding healthcare infrastructure beyond metro cities and improving access in smaller towns and semi-urban areas.

医疗保健领域的领导者们正在呼吁建立更具包容性和可及性的模式。他们专注于将医疗基础设施扩展到大都市以外的地区，并改善小城镇和半城市地区的获取途径。

Dr. Amod Sachan, Founder Chairman of Shekhar Hospital, said, “Healthcare access should not depend on geography or income. Expanding quality infrastructure beyond metro cities is essential to reduce the gap.”

谢卡尔医院创始人兼主席阿莫德·萨灿博士说：“获得医疗服务不应取决于地理位置或收入。扩大超越大都市城市的优质基础设施，对缩小差距至关重要。”

Industry experts like him believe that improving last-mile connectivity in healthcare delivery can help reduce inequality and ensure timely treatment for a larger population.

像他这样的行业专家认为，改善医疗保健服务的“最后一公里”连接可以帮助减少不平等，并确保更多人得到及时治疗。

A holistic approach to inclusive healthcare

全面的包容性医疗保健方法

Healthcare providers are increasingly adopting a broader approach that goes beyond traditional treatment. The focus is shifting towards integrating medical care with lifestyle management and overall well-being.

医疗服务提供者越来越多地采用一种超越传统治疗的更广泛方法。重点正在转向将医疗护理与生活方式管理和整体健康相结合。

Dr. Sachan said, “A healthcare system cannot remain limited to treatment alone. It must include prevention, awareness, and long-term well-being to truly serve patients.”

萨灿博士说：“一个医疗系统不能仅限于治疗，还必须包括预防、意识提升和长期福祉，才能真正服务患者。”

Experts note that such an approach aligns with the goal of universal health coverage. Preventive care, regular screenings, and patient awareness are becoming key parts of healthcare delivery.

专家指出，这种方法符合全民健康覆盖的目标。预防性护理、定期筛查和患者意识正成为医疗保健服务的关键部分。

Dr. Sachan added, “When patients are informed and engaged, the burden on the healthcare system reduces, and outcomes improve.”

萨灿博士补充道：“当患者知情并参与时，医疗系统的负担会减轻，治疗效果也会改善。”

Strengthening policy and digital integration

加强政策和数字整合

Policy alignment and digital infrastructure will play a key role in achieving universal health insurance. India’s growing adoption of digital tools creates an opportunity to build a connected healthcare system.

政策协调和数字基础设施将对实现全民健康保险发挥关键作用。印度日益增长的数字工具采用率为构建互联的医疗保健系统创造了机会。

Digital health records, telemedicine, and AI-based diagnostics can improve efficiency and reduce administrative delays. Linking insurance systems with digital platforms can speed up claim processing, reduce fraud, and improve transparency.

数字健康记录、远程医疗和基于人工智能的诊断可以提高效率并减少行政延误。将保险系统与数字平台连接可以加快索赔处理、减少欺诈并提高透明度。

These changes can benefit both patients and providers. Experts believe that combining universal insurance with digital innovation can help India move towards a more accessible healthcare system.

这些变化可以惠及患者和医疗服务提供者双方。专家认为，将全民保险与数字创新相结合，可以帮助印度朝着更便捷的医疗体系迈进。

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