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<\/div>\n<\/div>\n<\/div>\nNEW DELHI: Indians can expect to live longer than their counterparts in Pakistan, but have shorter lives than people in Bangladesh, the US and Canada, according to the latest World Health Organisation estimates.India’s life expectancy at birth was 71 years in 2023, compared with 68.2 years in Pakistan, 72.7 years in Bangladesh, 78.5 years in the US and 81.4 years in Canada. But living longer does not necessarily mean living more years in good health. India’s healthy life expectancy was 60.6 years in 2023, compared with 60.5 in 2019. It had fallen to 58.4 years in 2021 before recovering to 60.2 years in 2022. The figures are part of WHO’s Global Health Estimates, released Friday, covering life expectancy, healthy life expectancy, causes of death and disease burden from 2000 to 2023. WHO said global life expectancy recovered close to pre-pandemic levels, while healthy life expectancy has recovered more slowly.<\/p>\n The proposal covers retail indemnity products, retail-under-group policies, indemnity components of combi products, internal migrations and portability business. Outpatient claims would remain outside the scheme.Co-payment cannot be waived, reduced or modified through riders or endorsements, and the customer\u2019s 10% contribution cannot be recovered from another health insurance policy.\u201cThe choice between a cheaper policy with a deductible and a full-compensation policy should rest with the insured. People buy insurance to be indemnified for their costs. It would be unfair to customers willing to pay a higher premium for a higher sum insured to still bear part of the cost, and this could discourage them from buying high-value policies,\u201d said Shreeraj Deshpande, a health insurance expert who earlier headed operations at a general insurer. While the industry is seeking to address what it sees as cost distortions in healthcare, some fear a mandatory requirement could be anti-competitive. \u201cIf the industry collectively decides that no one will offer a full-compensation policy, it might catch the attention of Competition Commission,\u201d said an industry executive.The logic behind the measure is that hospitals may order additional diagnostic tests, recommend procedures and extend hospital stays when patients have comprehensive insurance cover. Higher-category rooms can also increase total bills because doctors\u2019 fees and procedure charges are often linked to room tariffs. With insurance covering the full bill, patients may have less incentive to question charges or choose lower-cost hospitals.<\/p>\n Share your thoughts in the comments<\/p>\n<\/div>\nOutpatient claims would remain outside scheme<\/h2>\n<\/p>\n