Access to quality healthcare is an essential human right. Both public and private health care plans play significant roles in ensuring that individuals and communities are able to obtain the required medical help without putting an unsustainable burden on their budgets. This article will explore the significance of both public and private health care plans, the differences between the two, and why it is essential to have a combination of both for top-notch protection.

Private Health Care Plans

They are generally provided by employers or purchased by individuals. They offer policyholders the flexibility to choose their own doctors and hospitals. This can be particularly important for individuals with chronic or complex medical conditions who need specialised care.

Private health care insurance plans also provide access to new treatments or procedures that are not yet available under public healthcare plans. In addition, they offer better access to specialists, shorter wait times, and a wider range of services.

However, private health care insurance plans can be costly. People who are unemployed or work for small businesses may not be able to afford them. Additionally, these plans can be complicated and challenging to navigate, and individuals may not always be aware of their rights and options.

Public Health Care Plans

Public health care insurance in India, on the other hand, is funded by the government. These programs are often more affordable than private plans as they have lower premiums and deductibles. They are available to everyone, regardless of their employment status or income. This can be particularly important for people who are unemployed, underemployed, or have pre-existing medical conditions. Moreover, they may also provide financial support for preventive services, such as immunisations and cancer screenings, that may not be available under private plans.

However, public healthcare plans may not offer the same level of choice and flexibility as private plans. Individual health insurance plans may be unable to choose their own doctors or hospitals, and there may be longer wait times for certain services.

Private vs Public Health Care Plans

Based on the above information, we can present the relationship between the two plans in the following table:


Basis Private Insurance Public Insurance
Premium High Low
Coverage Full coverage on most expenses Upper limit applies
No Claim Bonus (NCB) benefit Available Not available
Customers Open to everyone Targets the low-income group 
Flexibility High Low


A combination of both private and public medical insurance policies is essential for holistic care. Private insurance can provide individuals with choice, flexibility, and access to specialised care. Public insurance, on the other hand, can give accessibility, affordability, and preventive services.

Private and public medical insurance can work together to provide a comprehensive and inclusive healthcare system. For example, public policies can cover essential services such as primary care, preventive services, and emergency care, while private policies can provide access to specialised care and new treatments. Private policies can also supplement public schemes by covering deductibles, co-payments, and other out-of-pocket expenses.

Moreover, a combination of both private and public plans can help reduce healthcare disparities. People who cannot afford private insurance or are excluded from them due to pre-existing medical conditions can still access essential medical care through public plans.

To Sum Up

Each type of health insurance in India has its own strengths and weaknesses, and a mix of both can help meet diverse needs. After choosing between these two types, research different insurance companies and their product offerings. Then, make decisions based on parameters like premium rates, network quality, claim-settlement process, insurer’s reputation, inclusion and exclusion list, etc. As insurance is a long-term investment, adequate care should be taken to enjoy affordable health care.