Let Kamal's income be $8x$, Amal's income be $6x$, and Vimal's income be $5x$.
- The total income in September is $8x + 6x + 5x = 19x$.
In September, Kamal pays \(15\%\), Amal pays \(12\%\), and Vimal pays \(18\%\) of their respective incomes.
- Kamal's contribution: $15\% \times 8x = 0.15 \times 8x = 1.2x$.
- Amal's contribution: $12\% \times 6x = 0.12 \times 6x = 0.72x$.
- Vimal's contribution: $18\% \times 5x = 0.18 \times 5x = 0.9x$.
The total rent in September is:
$1.2x + 0.72x + 0.9x = 2.82x$.
In October, their incomes increase by \(10\%\), \(12\%\), and \(15\%\), respectively.
- Kamal's new income = $8x \times 1.10 = 8.8x$.
- Amal's new income = $6x \times 1.12 = 6.72x$.
- Vimal's new income = $5x \times 1.15 = 5.75x$.
The total income in October is:
$8.8x + 6.72x + 5.75x = 21.27x$.
Now, the total percentage of their total income that will be paid as rent is:
$\frac{2.82x}{21.27x} \times 100 = 13.26\%$.
Health insurance plays a vital role in ensuring financial protection and access to quality healthcare. In India, however, the extent and nature of health insurance coverage vary significantly between urban and rural areas. While urban populations often have better access to organized insurance schemes, employer-provided coverage, and awareness about health policies, rural populations face challenges such as limited outreach of insurance schemes, inadequate infrastructure, and lower awareness levels. This urban-rural divide in health insurance coverage highlights the broader issue of healthcare inequality, making it essential to analyze the factors contributing to this gap and explore strategies for more inclusive health protection. A state-level health survey was conducted.
The survey covered 1,80,000 adults across urban and rural areas. Urban residents formed 55% of the sample (that is, 99,000 people) while rural residents made up 45% (that is, 81,000 people). In each area, coverage was classified under four heads – Public schemes, Private insurance, Employer-provided coverage, and Uninsured. In urban areas, Public coverage accounted for 28% of the urban population, Private for 22%, Employer for 18%, and the remaining 32% were Uninsured. In rural areas, where formal coverage is generally lower, Public coverage stood at 35%, Private at 10%, Employer at 8%, while 47% were Uninsured.
For this survey, “Insured” includes everyone covered by Public + Private + Employer schemes, and “Uninsured” indicates those with no coverage at all. Officials noted that public schemes remain the backbone of rural coverage, while employer and private plans are relatively more prevalent in urban centres. (250 words)