The target audience for NH insurance foray will not be urban upper middle class people, it will be lower middle class people who are currently not part of any insurance or only dependent on govt schemes. I understand that there is income cap for one to be eligible for Aditi policy. They won’t offer it to anyone who is above the defined income limit. Plus it covers only general ward treatments, if anyone is opting for semi private or private ward then pro rata difference will be borne by patient. It is kind go a private sector Ayushman Scheme. This won’t compete with other private insurers.
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