Health insurance plays a vital role in ensuring financial protection and access to quality healthcare. In India, however, the extent and nature of health insurance coverage vary significantly between urban and rural areas. While urban populations often have better access to organized insurance schemes, employer-provided coverage, and awareness about health policies, rural populations face challenges such as limited outreach of insurance schemes, inadequate infrastructure, and lower awareness levels. This urban-rural divide in health insurance coverage highlights the broader issue of healthcare inequality, making it essential to analyze the factors contributing to this gap and explore strategies for more inclusive health protection. A state-level health survey was conducted.
The survey covered 1,80,000 adults across urban and rural areas. Urban residents formed 55% of the sample (that is, 99,000 people) while rural residents made up 45% (that is, 81,000 people). In each area, coverage was classified under four heads – Public schemes, Private insurance, Employer-provided coverage, and Uninsured. In urban areas, Public coverage accounted for 28% of the urban population, Private for 22%, Employer for 18%, and the remaining 32% were Uninsured. In rural areas, where formal coverage is generally lower, Public coverage stood at 35%, Private at 10%, Employer at 8%, while 47% were Uninsured.
For this survey, “Insured” includes everyone covered by Public + Private + Employer schemes, and “Uninsured” indicates those with no coverage at all. Officials noted that public schemes remain the backbone of rural coverage, while employer and private plans are relatively more prevalent in urban centres. (250 words)
A unit-based approach avoids full multiplication: treat 1% of each population as a building block and scale up from there.
Scaling from 1% units for each area lands on the same 748:477 figure, with Urban ahead of Rural as the survey's insured counts require.
So the correct answer is 748:477.
Rounding the raw numbers first gives a fast sanity check before committing to the exact figure.
Estimating the gap as roughly one-fifth of Urban's uninsured count, then refining, lands squarely on 20.17%.
So the correct answer is 20.17%.
Splitting the extra 9,000 people by area first, then applying each area's own private-insurance rate, is a cleaner way to test the four options.
Applying the fixed private-insurance rates only to the newly added population, split by the same urban-rural ratio, gives exactly 1,494 additional privately insured people.
So the correct answer is 1,494.
Bounding the answer between Urban's Employer figure alone and the Rural figure implied by each option quickly narrows down the four choices.
Only 24,300 splits cleanly into Urban's 17,820 and Rural's 6,480 without contradicting either area's stated Employer rate.
So the correct answer is 24,300.
Since Public's own rate (28% Urban, 35% Rural) is lower than the overall insured rate (68% Urban, 53% Rural) in both areas, Public's share of insured people might seem like it should fall below 50%, and this can be sanity-checked before pinning down the exact figure.
Rural's heavier reliance on Public coverage is exactly what tips the blended share just over half, landing on 50.86%.
So the correct answer is 50.86%.
Since Insured and Uninsured must add to 100% of the survey, testing each option's implied Uninsured share against the actual blended Uninsured rate confirms the answer.
Matching each option's implied Uninsured share against the actual blended rate of 38.75% confirms 61.25% as the correct Insured share.
So the correct answer is 61.25%.