A recent assessment by TATA AIG General Insurance has flagged a widening gap between increasing health risks and financial preparedness in India, raising concerns on World Health Day. The findings show that serious illnesses, particularly heart disease, are increasingly affecting younger populations, while financial readiness remains alarmingly low.
According to a survey conducted among doctors, 59% said that fewer than 40% of heart disease patients are financially prepared for advanced treatment. The situation is further aggravated by a surge in critical illness claims, with lung cancer cases doubling in 2025. Smoking continues to be the primary cause, linked to over 85% of cases, although pollution, second-hand smoke, and occupational chemical exposure are also emerging risk factors. Hospitalisation costs have also risen sharply, with an average increase of 27%, intensifying the financial burden on families.
The report highlights a significant gender gap, with women comprising nearly half of the insured population but only around 20% having adequate coverage beyond ₹20 lakh—often insufficient for major illnesses like cancer or cardiac conditions.
In Guwahati, insurance advisors report growing awareness but limited adoption of high-value health policies. Many households continue to rely on basic coverage, leaving them vulnerable to rising treatment costs. Experts stress the need for improved awareness, timely health check-ups, and higher insurance coverage to bridge the gap and ensure financial resilience against critical illnesses.