Health Coverage Gaps Persist Despite Rising Awareness

While awareness of health insurance has grown significantly, actual coverage levels among lower and middle-income households remain limited, often due to affordability concerns and low trust in claims processes. Insurers are experimenting with smaller, modular health products and faster cashless claim settlements to address these barriers directly. Closing this gap will require sustained effort on both product design and service delivery, since a single poor claims experience can undo years of marketing investment.