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)
Since the exact insured counts work out to 67,320 in Urban and 42,930 in Rural, each candidate ratio can be tested by cross-multiplying against these two numbers rather than simplifying the ratio from scratch.
Only 748:477 survives the cross-multiplication check against the actual insured counts.
So the correct answer is 748:477.
Each option states a percentage increase from Urban's uninsured count to Rural's; that claim can be tested directly by applying it to Urban's count of 31,680 and checking whether it lands on Rural's count of 38,070.
Only a 20.17% increase applied to Urban's uninsured count reproduces Rural's actual uninsured count.
So the correct answer is 20.17%.
Since every percentage share stays fixed and only the total population grows by 5%, the entire increase in privately insured people has to equal exactly 5% of however many are privately insured this year. That figure can be checked against each option.
Because the shares don't change, the private-insured increase has to be exactly 5% of this year's private-insured total, and only 1,494 satisfies that.
So the correct answer is 1,494.
Since the combined Employer rate across the whole survey works out to a single blended percentage, each option can be checked against that percentage of the full 1,80,000 population.
The blended Employer rate across both areas comes to 13.5% of the full survey, and 13.5% of 1,80,000 is 24,300.
So the correct answer is 24,300.
With Public insured at 56,070 and total insured at 1,10,250 already established, each percentage option can be tested by multiplying it back against 1,10,250 to see which one returns 56,070.
Only 50.86% reproduces the true Public insured count of 56,070 when applied back to the total insured figure.
So the correct answer is 50.86%.
With the total insured count already known to be 1,10,250 out of 1,80,000 surveyed, each percentage option can be tested by multiplying it back against 1,80,000.
Only 61.25% reproduces the actual insured count of 1,10,250 when applied to the full surveyed population.
So the correct answer is 61.25%.