1. India’s informal workforce lacks universal health coverage, leaving millions vulnerable.
  2. The government increased Foreign Direct Investment (FDI) in insurance from 74% to 100%.
  3. Private insurance models increase Out-of-Pocket Expenditure (OOPE) for healthcare.
  4. Many workers, especially migrants and those with low literacy, struggle with insurance access.
  5. Unregulated private sector involvement could lead to inflated medical costs.
  6. The last Census (2011) and outdated labor data hinder effective social protection​.