Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-trace').style.display = (document.getElementById('cakeErr67f88ce77426d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f88ce77426d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-code').style.display = (document.getElementById('cakeErr67f88ce77426d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-context').style.display = (document.getElementById('cakeErr67f88ce77426d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f88ce77426d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f88ce77426d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 26696,
		&#039;title&#039; =&gt; &#039;Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Times of India
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 4674734,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 26696,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Access to Healthcare,Elderly,Health Insurance,healthcare,Health&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. &lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 26696,
	&#039;title&#039; =&gt; &#039;Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Times of India
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 4674734,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 26696
$metaTitle = &#039;LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;
$metaKeywords = &#039;Access to Healthcare,Elderly,Health Insurance,healthcare,Health&#039;
$metaDesc = &#039;
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. &lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey | Im4change.org</title>
    <meta name="description" content="
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Times of India</div><p align="justify"><em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.</p><p align="justify">The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.</p><p align="justify">However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.</p><p align="justify">Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.</p><p align="justify">Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.</p><p align="justify">&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. </p><p align="justify">According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.</p><p align="justify">However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-trace').style.display = (document.getElementById('cakeErr67f88ce77426d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f88ce77426d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-code').style.display = (document.getElementById('cakeErr67f88ce77426d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-context').style.display = (document.getElementById('cakeErr67f88ce77426d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f88ce77426d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f88ce77426d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 26696,
		&#039;title&#039; =&gt; &#039;Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Times of India
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 4674734,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 26696,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Access to Healthcare,Elderly,Health Insurance,healthcare,Health&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. &lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 26696,
	&#039;title&#039; =&gt; &#039;Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Times of India
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 4674734,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 26696
$metaTitle = &#039;LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;
$metaKeywords = &#039;Access to Healthcare,Elderly,Health Insurance,healthcare,Health&#039;
$metaDesc = &#039;
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. &lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey | Im4change.org</title>
    <meta name="description" content="
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Times of India</div><p align="justify"><em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.</p><p align="justify">The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.</p><p align="justify">However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.</p><p align="justify">Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.</p><p align="justify">Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.</p><p align="justify">&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. </p><p align="justify">According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.</p><p align="justify">However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-trace').style.display = (document.getElementById('cakeErr67f88ce77426d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f88ce77426d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-code').style.display = (document.getElementById('cakeErr67f88ce77426d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f88ce77426d-context').style.display = (document.getElementById('cakeErr67f88ce77426d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f88ce77426d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f88ce77426d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 26696,
		&#039;title&#039; =&gt; &#039;Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Times of India
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 4674734,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 26696,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Access to Healthcare,Elderly,Health Insurance,healthcare,Health&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. &lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 26696,
	&#039;title&#039; =&gt; &#039;Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Times of India
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 4674734,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 26696
$metaTitle = &#039;LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey&#039;
$metaKeywords = &#039;Access to Healthcare,Elderly,Health Insurance,healthcare,Health&#039;
$metaDesc = &#039;
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;NEW DELHI: &lt;/em&gt;Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &amp;quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&amp;quot; the report states.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India&#039;s healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&amp;quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. &lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey | Im4change.org</title>
    <meta name="description" content="
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Times of India</div><p align="justify"><em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.</p><p align="justify">The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.</p><p align="justify">However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.</p><p align="justify">Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.</p><p align="justify">Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.</p><p align="justify">&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. </p><p align="justify">According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.</p><p align="justify">However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 26696,
		'title' => 'Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey',
		'subheading' => '',
		'description' => '<div align="justify">
-The Times of India
</div>
<p align="justify">
<em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
</p>
<p align="justify">
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
</p>
<p align="justify">
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.
</p>
<p align="justify">
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
</p>
<p align="justify">
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
</p>
<p align="justify">
&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
</p>
<p align="justify">
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
</p>
<p align="justify">
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
</p>',
		'credit_writer' => 'The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => 'study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734',
		'meta_title' => null,
		'meta_keywords' => null,
		'meta_description' => null,
		'noindex' => (int) 0,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => (int) 4674734,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 26696,
	'metaTitle' => 'LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey',
	'metaKeywords' => 'Access to Healthcare,Elderly,Health Insurance,healthcare,Health',
	'metaDesc' => '
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...',
	'disp' => '<div align="justify">-The Times of India</div><p align="justify"><em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.</p><p align="justify">The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.</p><p align="justify">However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.</p><p align="justify">Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.</p><p align="justify">Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.</p><p align="justify">&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. </p><p align="justify">According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.</p><p align="justify">However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.</p>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 26696,
	'title' => 'Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey',
	'subheading' => '',
	'description' => '<div align="justify">
-The Times of India
</div>
<p align="justify">
<em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.
</p>
<p align="justify">
The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.
</p>
<p align="justify">
However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.
</p>
<p align="justify">
Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.
</p>
<p align="justify">
Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.
</p>
<p align="justify">
&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. 
</p>
<p align="justify">
According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.
</p>
<p align="justify">
However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.
</p>',
	'credit_writer' => 'The Times of India, 6 December, 2014, http://timesofindia.indiatimes.com/india/Study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans/articleshow/45391831.cms',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => 'study-shows-a-dismal-1-6-elderly-are-covered-by-health-insurance-plans-sushmi-dey-4674734',
	'meta_title' => null,
	'meta_keywords' => null,
	'meta_description' => null,
	'noindex' => (int) 0,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => (int) 4674734,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {},
		(int) 1 => object(Cake\ORM\Entity) {},
		(int) 2 => object(Cake\ORM\Entity) {},
		(int) 3 => object(Cake\ORM\Entity) {},
		(int) 4 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 26696
$metaTitle = 'LATEST NEWS UPDATES | Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey'
$metaKeywords = 'Access to Healthcare,Elderly,Health Insurance,healthcare,Health'
$metaDesc = '
-The Times of India


NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost...'
$disp = '<div align="justify">-The Times of India</div><p align="justify"><em>NEW DELHI: </em>Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades.</p><p align="justify">The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000.</p><p align="justify">However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. &quot;This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered,&quot; the report states.</p><p align="justify">Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively.</p><p align="justify">Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people.</p><p align="justify">&quot;Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket,&quot; says Charu Sehgal, senior director -healthcare consulting, Deloitte India. </p><p align="justify">According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket.</p><p align="justify">However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.</p>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51

Study shows a dismal 1.6% elderly are covered by health insurance plans -Sushmi Dey

-The Times of India NEW DELHI: Less than two of every 100 senior citizens in India are covered under public and private health insurance. This even as the population of elderly people is growing significantly and is forecast to hit almost 300 million in around two decades. The elderly population, aged more than 60 years, is projected to constitute 18.3% of the total population in 2050, up from 7.7% in 2010, according to the United Nations. Their population will grow to 112 million by 2015 from 72 million in 2000. However, health insurance penetration among this population remains significantly low in India. A recent study by Deloitte shows merely 1.6% of elderly population is covered under public and private insurance schemes. "This low insurance penetration amongst the elderly is further exacerbated by inadequate coverage provided to the insured, in terms of both amount and type of services covered," the report states. Experts point out the overall health insurance penetration in India is as it is low at 26%, as compared to other countries. According to World Bank estimates, India's healthcare spending as a percentage of GDP is among the lowest in emerging markets. During 2012, India spent a total of around 4% of GDP on healthcare, whereas Brazil and China spent 9.3% and 5.4%, respectively. Currently, there is a lack of emphasis on insurance cover for the elderly. Most private players do not want to cover the elderly in their plans because the expenditures are high as compared to premiums earned, experts say. Restrictive conditions further reduce the attractiveness of existing options. For instance, several policies do not cover care for common age-related ailments such as cataract or asthma. Insurance schemes often also have pre-existing conditions as eligibility restrictions or require an additional premium to cover such people. "Health financing, a particularly important factor in the case of the elderly, lacks focus on the specific needs of the elderly, with only a few insurance offering covering elderly care with the flexibility and comprehensiveness that is required. As a result, a high component of elderly care is being financed out of pocket," says Charu Sehgal, senior director -healthcare consulting, Deloitte India. According to a FICCI study, government spending on elderly care amounted to an investment of around $28 million under the national programme for health care of the elderly by health ministry during 2011. Whereas, the total health insurance premium raised from elderly for the same year was close to $ 250 million. As against these, the total elderly expenditure stood at around $7.4 billion. Thus, most of the elderly care was financed out-of-pocket. However, the demand for health insurance among elderly is significantly increasing because of disease prevalence with age. Health expenditure for elderly is estimated to grow at a CAGR of 21.9% till 2020, this is against a growth of 17.6% in the total health expenditure.