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INSURANCE AWARENESS Insdie Report Final For Mail1
INSURANCE AWARENESS Insdie Report Final For Mail1
SPONSORED BY
Insurance Regulatory and Development Authority
All rights reserved, no part of this publication may be reproduced, stored in a retrieval system,
or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording
and/or otherwise, without the prior written permission of the publisher.
Published by
Jatinder S. Bedi, Secretary & Head, Operations, for and on behalf of the National Council of
Applied Economic Research, Parisila Bhawan, 11, Indraprastha Estate, New Delhi110 002
Printed at
M/s. Multiplexus (India), Delhi. Email: multiplexusindia@gmail.com
Study Team
Project Leader
Anushree Sinha
Consultant
Ramamani Sundar
Geetha Natesh
Technical Support
Sadhana Singh
Contents
List of Tables
List of Annexure Tables
ix
xi
Foreword
Preface
Acknowledgements
xv
xvii
xix
Chapter 1: Background
1.1
Concept of Insurance
Chapter 2: Methodology
2.1 Coverage
10
13
13
14
16
17
18
18
19
vii
23
3.9 Conclusion
23
viii
25
26
27
30
30
31
32
33
34
34
35
35
4.13 Conclusion
36
37
37
37
37
38
39
41
42
43
5.9 Conclusion
44
Chapter 6: Conclusion
45
46
47
48
53
List of Tables
1.1
2.1
10
2.2
11
2.3
11
3.1
13
3.2
15
3.3
16
3.4
17
3.5
18
3.6
18
20
20
3.7c
20
3.8
21
3.9
22
22
22
23
3.11
23
4.1a
25
4.1b
4.2
27
4.3
28
ix
29
29
4.5
30
4.6
31
32
32
33
34
34
35
36
38
39
40
41
43
44
4.7
4.8
4.9
4.10
4.11
4.12
4.13
5.1
5.2
5.3
5.4
5.5
5.6
S3.1a
55
S3.1b
56
S3.1c
57
S3.1d
58
S3.1e
59
S3.1f
60
S3.2a
61
62
S3.2c
63
64
65
S3.3c
66
S3.4a
69
70
S3.4e
S3.4f
71
72
73
74
S3.5c
75
76
S4.1a
77
xi
S4.1b
78
S4.1c
79
80
81
82
83
S4.2a
S4.2b
S4.2c
S4.3a
85
86
87
88
89
90
91
S4.4b
S4.4c
S4.5a
S4.5c
S4.6a
S4.6b
S4.6c
S4.6d
S4.6e
S4.6f
xii
84
92
93
94
95
96
97
98
S4.7a
S4.7b
S4.7c
S4.8
S4.9
S4.10
99
100
101
102
103
104
105
106
107
S4.12
108
109
110
S4.13
S5.1
5.2a
5.2b
S5.3
S5.4
S5.5
S5.6
S5.7
S5.8
111
112
113
114
115
116
117
118
119
xiii
S5.9
S5.10
S5.11
S5.12
S5.13
S5.14
S5.15
S5.16
xiv
120
121
122
123
124
125
126
127
Foreword
An individual is exposed to various risks in daily life and it will surprise one to note how many of
these can actually be insured. Life insurance and general insurance companies offer a variety of
products covering different types of risks. Not only is there a dearth of knowledge about these but
also most individuals are not aware of the value that insurance, as an option, could add to their lives.
While affordability and the place of insurance in the list of an individuals priority in this context are
important questions, quite a few are uninsured purely due to lack of awareness about insurance as a
protection tool and details about the types of insurances that are possible. All stakeholders have the
responsibility of creating this awareness. It is in this context that the Insurance Regulatory and
Development Authority (IRDA) engaged the National Council of Applied Economic Research
(NCAER) to carry out a pan India survey about awareness levels about insurance both amongst the
uninsured and insured population. I have read, with interest, the findings of the survey and am
indeed happy to present the report.
I am quite sure that this survey is one of its kind anywhere in the world. The universe covered and
the geographical outreach in spite of various physical and social challenges involved has been an
achievement and I commend NCAER for its efforts. A three-stage stratified sample design was
adopted and primary survey undertaken in 29 states/union territories of India over a period of 6
months. The outcome is a comprehensive report that gives information along with tabulations
regarding various parameters such as awareness regarding major source of information on
insurance, the extent to which insurance is seen as a protection/savings tool, benefits of insurance
vis-a-vis other savings tools, awareness about benefits of health insurance, what influences
households to take insurance and why people do not opt for insurance, etc.
The report covers details about the various geographies covered. Both rural and urban areas are
represented in the samples.The findings, based on the rural-urban divide, on various parameters are
interestingin some cases the findings are similar, in others quite varied.The findings based on the
insured-uninsured dichotomy are also contained in the report. From giving a picture of the socioeconomic profile of the insured and the uninsured to specific parameters relating to life as well as
general insurance, the report makes useful reading for all categories of individualsmembers of the
general public, the insured and all stakeholders of the insurance industry. Some of the conclusions
may be foregone and obvious, but here is a report that provides concrete data for these.
xv
I thank NCAER for the well brought out report, as well as the IRDA team involved in interacting
and coordinating with NCAER from the stage of formulation of the objectives of the survey and
structuring of the questionnaire, to finalization of the report.
J. HARI NARAYAN
Chairman
Insurance Regulatory and Development Authority
xvi
Preface
Insurance markets in India are showing clear signs of expansion, requiring insurers to be innovative
in their approach towards achievement of sustainable growth. The report explores underlying
trends in customer awareness levels and their implications on insurers.
The report is based on a survey of 30,200 respondents spread over 29 states and union territories.
NCAER queried respondents on their awareness levels regarding rights, policyholders protection,
types of insurance products and benefits of insurance. The study also generated a socio-economic
profile of insured and uninsured population. In studying the aggregate data, we were able to identify
distinct indicator-based segments, and compared how different segments perceive insurance
differently.
The intention of this report is to inform various insurers regarding the range and complexity of
insurance awareness issues.The report will equip insurance companies with a ready reference to the
fundamental aspects of business. The aim of this report is to reach those with limited knowledge of
insurance and to provide a comprehensive picture of the awareness scenario across the country.
Starting with the history of insurance sector, the report charts out a course of insurance awareness
parameters. First the concept, importance, origin and development of insurance is dealt with
followed by the methodology. Methodology is followed by an exposition of the socio-economic
characteristics of the insured and uninsured households. The almost revealing perception of
households about insurance as a concept and its benefits is detailed in the following chapter. A more
ready understanding has been detailed with regard to benefits of insurance. Awareness levels of the
insured households about various aspects of insurance are elaborated in the next chapter. Each
chapter is dealt with comprehensively and yet compendiously and each is accorded appropriate
significance in the chapter conclusions. There is also a final chapter concluding the report which
also provides policy recommendations.
The information contained in this report is quite diverse. It is structured for easy comprehension of
policy makers and insurers of the ground realities. The analysis too is quite diverse.The emphasis is
placed on findings from respondents of the desired role and significance for the insurance business. I
hope that armed with the assessment of the report, the propagators of insurance would gain greater
appreciation of the significance of their role and that of the other players in the business.The report
recognizes that some readers may merely wish to use this from time to time to refresh their insight.
xvii
It also affords a logical progression of issues for those who wish to embark upon a more complete
and systematic study of the subject. Finally, it provides insight for insurers to make a more
meaningful impact on the lives of people they provide services to.
xviii
Acknowledgements
We acknowledge the valuable support from IRDA in conducting this study. In particular, we would
like to thank Mr Hari Narayan and Mr A. Girdhar for commissioning the study to NCAER. Our
special thanks go to Ms Yegnapriya Bharath for her untiring support and coordination during the
entire study and providing feedback at various critical junctures of the study. We are really grateful
to her for her continuous and sustained cooperation. We also thank Mr Srinivas Rao for his help in
facilitating the study. Further, we are thankful to Mr Manoj Asiwal for providing necessary
administrative support.
We would be amiss if we do not thank all the sample respondents across the country for providing
the requisite data and information to NCAERs field investigators. But for their generous help, it
would not have been possible to give to the study its present shape. Moreover, we are grateful to all
our field staff for collecting the necessary information from the sample respondents across the
country.
Thanks are also due to Mr Suman Bery who was the Director General when the study was
commissioned and Dr Shekhar Shah, the current Director General, NCAER whose full
encouragement helped the core team in completing this study in time.
xix
Background
TABLE 1.1: Important Developments in the History of the Indian Insurance Industry
Year
1912
The Life Insurance Companies Act was passed, making it mandatory for companies to get their premium rate tables
certified by an actuary.
1938 The Insurance Act of 1938 became the first legislation governing all forms of insurance to provide strict state control
over insurance business.
1956 Life insurance in India was completely nationalised on January 19 by means of the Life Insurance Corporation Act. All
245 existing companies operating in the country were merged into one entity, namely the Life Insurance Corporation of
India (LIC)
1957 The General Insurance Council, a wing of the Insurance Association of India, was formed and framed a code of conduct
for ensuring fair conduct and sound business practices.
1968 The Insurance Act of 1938 was amended to regulate investments and set minimum solvency margins. The Tariff
Advisory Committee was also set up.
1972 The General Insurance Business (Nationalisation) Act was passed. With effect from January 1, 1973 107 companies
were amalgamated and grouped into four companies, namely National Insurance Company Ltd., Oriental Insurance
Company Ltd., New India Assurance Company Ltd and United India Insurance Company Ltd.
1993 The Government of India set up a committee under the chairmanship of RN Malhotra, then Governor of the Reserve
Bank of India, to propose recommendations for reforms in the insurance sector that would complement the reforms in
the financial sector.
1994 The Amphora Committee submitted its report, recommending that entry of the private sector be permitted in the
insurance sector and that foreign companies be allowed entry by floating Indian companies, preferably as joint ventures
with Indian partners.
1996 Following the recommendation of the Malhotra Committee, an interim Insurance Regulatory Authority was set up.
1999 The Insurance Regulatory and Development Authority (IRDA) was constituted as an autonomous body to regulate and
develop the insurance industry. The IRDA was incorporated as a statutory body in April, 2000. The key objective of IRDA
includes promotion of competition in order to improve customer satisfaction through increased customer choice and
lower premiums, while ensuring the financial security of the insurance market. The IRDA deregulated the insurance
sector and permitted the entry of private companies. Foreign investment was also allowed and capped at 26 per cent
holding in the Indian insurance companies.
2006 The Actuaries Act was passed to give the profession statutory status on par with chartered accountants, notaries, cost
and works accountants, advocates, architects and company secretaries.
Methodology
2.1 Coverage
A primary survey of households was
undertaken in 29 major states and union
territories, covering both rural and urban areas,
in Andhra Pradesh, Arunachal Pradesh,
Assam, Bihar, Chandigarh, Chhattisgarh,
Daman & Diu, Delhi, Goa, Gujarat, Haryana,
Himachal Pradesh, Jharkhand, Karnataka,
Kerala, Madhya Pradesh, Maharashtra,
Meghalaya, Mizoram, Orissa, Pondicherry,
Punjab, Rajasthan, Sikkim, Tamil Nadu,
Tripura, Uttarakhand, Uttar Pradesh, and West
Bengal. The remaining states and union
territories, accounting for approximately 34
per cent of the countrys population, were left
out due to operational difficulties.
Insured
Uninsured
Stratum
Description
Principal source of income is self-employment in agriculture and land possessed is 210 acres
Principal source of income is self-employment in agriculture and land possessed is more than 10 acres
Principal source of income is through regular salary or wages and other sources and land possessed is
02 acres
Principal source of income is regular salary or wages and other sources and land possessed is more
than two acres
10
Total towns
Sample towns
Sampling fraction
> 10000
1.00
II
500010000
1.00
III
10005000
29
29
1.00
IV
5001000
37
37
1.00
200500
98
98
1.00
VI
100200
219
56
0.26
VII
50100
396
44
0.11
VIII
2050
1135
28
0.02
IX
< 20
2270
44
0.02
Total
All
4,190
342
0.08
Stratum
Description
Principal source of income is regular salary, wage earnings and sources like remittances and pensions
Principal source of income as in stratum 1, but MPCE between Rs 801 and Rs 2,500
Insured
Uninsured
Principal source of income is self-employment and MPCE between Rs 801 and Rs 2,500
11
Socio-Economic
Characteristics of Insured and
Uninsured Households
One of the main objectives of the study is
to generate a socio-economic profile of the
insured and uninsured households, and to
examine whether any of the socio-economic
parameters bear a direct impact on the purchase
of insurance by them. Based on the data
generated by the study (specifically Parts I and
II pertaining to education, occupation, and
income), the socio-economic characteristics of
both the insured and uninsured households
have been examined and the findings and
conclusions analysed. For the purpose of the
study, the criterion for any household being
considered insured is that at least one member
of the household must have life insurance.
Rural
Self-employed in agriculture
Agricultural labour
Uninsured Households
Urban
Total
Rural
Urban
Total
36.28
2.38
19.67
34.98
3.46
16.20
3.56
0.52
2.07
11.09
1.17
5.18
Casual labour
9.52
13.69
11.56
28.34
36.21
33.03
Self-employed in non-agriculture
24.64
40.23
32.28
13.13
32.73
24.81
25.63
42.60
33.94
11.59
25.69
19.99
Others
0.36
0.60
0.48
0.87
0.73
0.79
1.41
0.47
0.95
4.20
2.07
2.93
7.87
4.58
6.26
16.10
11.75
13.51
Up to secondary school
33.66
25.62
29.72
41.21
37.63
39.08
57.06
69.33
63.07
38.49
48.54
44.48
11301
10866
22167
3237
4774
8011
13
14
Table 3.2: Distribution of Households by Ownership of Land, Dwelling Unit, Type of Dwelling Unit, Type of Family and
Availability of Electricity Connection (Percentage)
Insured
Rural
Uninsured
Urban
Total
Rural
Urban
Total
Rural Urban
Total
Ownership of land
Percentage owning agricultural land
75.46
NA
75.46
62.93
NA
62.93
73.05
NA
73.05
3.94
NA
3.94
2.82
NA
2.82
3.71
NA
3.71
94.74
82.90
88.94
92.89
79.45
84.87
94.33
81.85
87.86
Rented
4.78
16.07
10.31
6.11
19.51
14.10
5.07
17.12
11.32
Others
0.48
1.03
0.75
0.99
1.05
1.03
0.59
1.04
0.82
Pucca
54.26
75.57
64.71
33.28
56.47
47.10
49.58
69.75
60.03
Semi-pucca
33.00
19.92
26.58
41.20
31.92
35.67
34.82
23.58
29.00
Kutcha
12.75
4.51
8.71
25.52
11.61
17.23
15.59
6.67
10.97
88.59
96.64
92.54
79.89
91.10
86.57
86.65
94.95
90.95
Nuclear
72.64
75.84
74.21
78.85
81.34
80.34
74.02
77.52
75.83
Joint
27.36
24.16
25.79
21.15
18.66
19.66
25.98
22.48
24.17
Agricultural land
8528
NA
8528
2,037
NA
2,037
10,620
NA
10,620
11301
10866
22167
3237
4774
8011
14538
15640
30178
Type of family
NA=Not applicable
15
Rural
Urban
Total
Rural
Urban
Total
Rural
Urban
Total
APL
57.11
61.08
59.05
40.17
48.80
45.31
53.33
57.33
55.40
BPL
29.07
21.68
25.45
40.04
31.03
34.68
31.51
24.54
27.90
2.48
1.05
1.78
5.53
1.93
3.39
3.16
1.32
2.21
Antyodaya
Annapurna
0.22
0.21
0.22
0.40
0.36
0.38
0.26
0.26
0.26
No card
11.12
15.98
13.50
13.85
17.88
16.25
11.73
16.56
14.23
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
Total
16
Uninsured
Table 3.4: Distribution of Households by Economic Status: Income, Expenditure and Savings
Insured Households
Uninsured Households
All Households
Income Class
(average annual per
capita)
Rural
Urban
Total
Rural
Urban
Total
Rural
Urban
Total
Up to Rs 10,000
27.01
16.53
21.87
46.71
31.23
37.48
31.39
21.01
26.02
Rs 10,001 to Rs 16,000
24.98
23.23
24.12
25.73
27.60
26.85
25.14
24.57
24.84
25.56
24.21
24.90
17.79
25.19
22.20
23.83
24.51
24.18
19.63
29.91
24.96
22.45
36.04
29.11
9.77
15.97
13.47
Average annual
household income (Rs)
97,183
1,23,594
1,10,128
58,897
73,834
67,799
Average annual
household savings (Rs)
23,118
27,947
25,484
12,138
14,606
13,638
21,110
24,410
23,327
Average monthly
household consumption
expenditure (Rs)
6,162
6,992
6,569
3,823
4,653
4,318
5,641
6,278
5,971
11,301
10,866
22,167
3,237
4,774
8,011
14,538
15,640
30,178
Total number of
households
17
Insured
Rural
Urban
Uninsured
Total
Rural
Urban
Total
Radio or transistor
21.06
14.04
17.62
23.73
15.79
19.00
Television
63.02
80.10
71.39
45.13
65.92
57.52
Newspapers
32.48
46.88
39.54
25.92
34.75
31.18
Magazines
3.06
5.33
4.17
1.54
2.93
2.37
Internet
1.14
3.18
2.14
0.49
1.51
1.10
32.04
25.29
28.73
34.32
32.47
33.22
47.45
41.51
44.53
51.53
46.56
48.57
Panchayat
13.03
1.44
7.35
13.35
2.22
6.72
1.87
1.21
1.54
1.88
1.78
1.82
Banners/hoardings
8.53
12.33
10.39
7.26
10.37
9.11
2.82
0.65
1.76
2.84
0.52
1.46
Others
1.73
2.36
2.04
1.67
1.30
1.45
None
0.34
0.06
0.20
0.80
0.57
0.66
Note: These are multiple responses and therefore the sum may not be equal to hundred
Insured (%)
Rural
Urban
Uninsured (%)
All
Rural
Urban
All
No insurance
88.01
89.11
88.67
Life insurance
100.00
100.00
100.00
0.00
General insurance
2.89
4.82
3.84
0.62
0.65
0.64
Health insurance
5.27
6.59
5.92
0.56
0.44
0.49
Motor insurance
26.41
35.56
30.90
5.16
6.79
6.13
Tractor insurance
2.53
0.87
1.71
0.46
0.17
0.29
Livestock insurance
0.33
0.32
0.32
0.19
0.08
0.12
Accident insurance
1.81
1.52
1.66
0.40
0.25
0.31
Crop insurance
2.49
0.29
1.41
0.62
0.10
0.31
Pump insurance
0.06
0.01
0.04
0.46
0.27
0.35
0.42
0.76
0.59
0.71
0.19
0.40
Note: These are multiple responses and therefore the sum may not be equal to hundred
18
19
Table 3.7a: Distribution of Household Members with Insurance by Annual Per Capita Household Income Categories (Rural)
(Percentage)
Household Income
Class (average annual
per capita income in
Rs)
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Government
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
19.03
23.34
25.00
18.52
5.41
11.76
Rs 10,000 to Rs 16,000
26.88
29.29
26.92
18.52
40.54
29.41
Rs 16,001 to Rs 27,000
27.36
24.33
21.15
37.04
27.03
11.76
Above Rs 27,000
26.73
23.04
26.92
25.93
27.03
47.06
13,057
1,007
52
27
37
17
Number of Household
members Insured
Table 3.7b: Distribution of Household Members with Insurance by Annual Per Capita Household Income Categories
(Urban) (Percentage)
Household Income
Class (average annual
per capita income)
Life
Insurance
Government
General
Insurance
Government
Health
Insurance
Government
Health
Insurance
Private
13.64
0.00
14.29
General
Insurance
Private
10.40
7.14
23.43
20.15
21.43
18.18
34.48
21.43
23.98
23.40
17.86
18.18
6.90
42.86
42.23
,
13 484
46.05
53.57
50.00
58.62
21.43
923
28
22
29
14
10.37
Rs 10,000 to Rs 16,000
Rs 16,001 to Rs 27,000
Above Rs 27,000
Number of Household
members insured
Life
Insurance
Private
Table 3.7c: Distribution of Household Members with Insurance by Annual Per Capita Household Income Categories (Rural
+ Urban) (Percentage)
Household Income
Class (average annual
per capita income)
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
14.63
17.15
18.75
16.33
3.03
12.90
Rs 10,000 to Rs 16,000
25.13
24.92
25.00
18.37
37.88
25.81
Rs 16,001 to Rs 27,000
25.64
23.89
20.00
28.57
18.18
25.81
Above Rs 27 000
,
Number of Household
members insured
34.60
,
26 541
34.04
,
1 930
36.25
36.73
40.91
35.48
80
49
66
31
20
General
Insurance
Government
Rural
Urban
Rural + Urban
Male
Female
Male
Female
Male
Female
82.37
17.63
77.33
22.67
79.80
20.20
Life insuranceprivate
81.07
18.93
76.56
23.44
78.91
21.09
General insurancegovernment
87.88
12.12
81.63
18.37
85.22
14.78
General insuranceprivate
86.67
13.33
72.00
28.00
81.43
18.57
Health insurancegovernment
76.09
23.91
64.44
35.56
70.33
29.67
Health insuranceprivate
70.59
29.41
65.52
34.48
67.39
32.61
Life insurancegovernment
21
Table 3.9: Average Annual Premium and Average Policy Value by Income Class
4,562
Rs 16,001 to
Rs 27,000
4,827
7,616
Above Rs .27,000
Total number of
persons
26,541
1,930
80
49
66
73,935
1,26,786 38,313
27,500 40,000
86,625
98,125 1,98,875
20,878
31
26,541
Health
Insurance
Private
Rs 10,000 to
Rs 16,000
6,575 77,948
Health
Insurance
Government
General
Insurance
Private
3,830
Life
Insurance
Private
Life
Insurance
Private
General
Insurance
Government
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
Less than Rs
10,000
Life
Insurance
Government
Life
Insurance
Government
Households
Income Class
(average annual
per capita income)
96,946
1,930
80
41,250 34,814
66
31
Table 3.10a: Average Annual Premium as a Percentage of Annual Household Income (Rural)
Households Income
Class (average annual
per capita income)
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Government
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
8.67
14.79
19.02
7.68
2.70
9.88
Rs 10,000 to Rs 16,000
6.72
8.10
7.91
2.53
3.14
13.35
Rs 16,001 to Rs 27,000
4.89
9.50
8.04
5.16
1.48
3.91
1.80
8.08
7.13
3.38
2.89
10.18
13,057
1,007
52
27
37
17
Above Rs 27,000
Total number of persons
Table 3.10b: Average Annual Premium as a Percentage of Annual Household Income (Urban)
Households Income
Class (average annual
per capita income)
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Government
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
8.09
11.69
3.65
12.14
0.00
18.75
Rs 10,000 to Rs 16,000
6.57
8.87
19.95
1.00
16.06
4.40
Rs 16,001 to Rs 27,000
5.20
7.86
4.51
8.08
2.48
1.92
Above Rs 27,000
3.69
4.07
1.54
4.26
2.74
2.17
13,484
923
28
22
29
14
22
Table 3.10c: Average Annual Premium as a Percentage of Annual Household Income (Total)
Households Income
Class (average annual
per capita income)
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Government
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
8.45
13.81
16.70
9.40
2.65
14.51
Rs 10,000 to Rs 16,000
6.65
8.40
11.52
1.85
8.32
9.98
5.04
8.73
6.93
5.99
1.64
2.42
Above Rs 27,000
3.71
5.42
4.08
3.94
2.80
7.60
26,541
1,930
80
49
66
31
3.9 Conclusion
Table 3.11: Income-wise Distribution of Uninsured Households Based on Amount They Could Contribute for Possible
Economic Risks
Rural
Households Income
Class (average annual
per capita income)
No. of
Households that
can Contribute
Urban
Total
Average
No. of
Average
No. of
Average
Amount Per Households that Amount Per Households that Amount Per
Year (Rs)
can Contribute
Year (Rs)
can Contribute
Year (Rs)
30.29
1,706.35
34.88
3,697.34
32.57
2,751.02
Rs 10,000 to Rs 16,000
38.77
2,197.22
41.89
2,907.93
40.68
2,657.00
Rs 16,001 to Rs 27,000
39.78
3,938.65
44.65
3,773.95
43.07
3,923.20
Above Rs 27,000
35.40
11,641.07
43.54
8,261.15
41.15
7,989.67
All Classes
34.66
29,76.74
40.66
3,998.60
38.23
3,621.17
Number of households
1,122
1,941
3,063
23
24
Perception of Households
about Insurance as a Concept
and Its Benefits
The success of an insurance awareness
campaign would depend upon: (a) a good
understanding of what people think about
insurance as a concept; and (b) educating
people about various aspects of insurance of
which they are unaware. Hence, in order to
make informed choices, people should be
educated about the concept of insurance, the
various types of insurance covers available, and
the benefits that an insurance cover could yield.
The present awareness pre-launch survey
attempted to find out households view on
various aspects of insurance, including
questions, such as: (i) what is insurance? (ii)
how relevant is insurance? (iii) the kind of tool
it is; and (iv) the benefits of insurance vis--vis
other forms of savings.
This chapter analyses the responses of
Insured Households
Uninsured Households
Rural
Urban
Total
Rural
Urban
Total
31.5
30.7
3.1
25.9
25.0
25.3
34.2
37.6
35.9
24.3
26.9
25.8
43.5
48.1
45.7
29.4
33.5
31.8
20.8
20.4
20.6
12.9
14.6
13.9
51.7
50.9
51.3
38.3
42.1
40.5
Any other
5.2
8.5
6.8
3.8
6.7
5.6
Cant say
2.1
1.8
2.0
19.7
15.9
17.5
All
100.0
100.0
100.0
100.0
100.0
100.0
Number of households
11,301
10,866
22167
3,237
4,774
8,011
25
Table 4.1b: Distribution of Households by Level of Education and Their Perception of Insurance (Percentage)
Insured Households
Perception of
insurance
Illiterate
Up to
Primary
Up to
High
School
Higher
Secondary
and above
Illiterate
Up to
Primary
Up to
High
School
Higher
Secondary
and above
Prevent certain
events
12.9
22.3
29.8
32.8
9.8
19.1
25.1
28.5
Prevent damage
to assets from
certain events
28.1
22.4
31.9
39.2
14.9
18.6
23.8
30.6
Compensate for
losses from
certain events
32.4
31.4
40.7
49.8
17.0
23.5
29.8
37.1
11.0
15.4
19.1
22.0
10.6
10.2
12.8
16.3
Compensate for
loss of life
55.3
58.3
51.9
50.3
24.7
37.9
41.3
41.7
Any other
2.4
8.4
7.3
6.5
3.8
7.1
6.5
4.4
Cant say
7.6
3.8
2.4
1.5
38.3
24.5
18.0
13.5
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
210
1,387
6,588
13,979
235
1,082
3,130
35,64
All
Number of
households
26
Uninsured Households
Table 4.2: Distribution of Households by Their Major Source of Information on Insurance (Percentage)
Major source of
information on
insurance
Insured Households
Uninsured Households
Rural
Urban
Total
Rural
Urban
Total
Print media
18.8
28.8
23.7
19.0
20.8
20.0
Visual media
34.0
45.1
39.4
27.1
35.1
31.9
Radio/transistor
20.6
16.6
18.6
20.5
17.4
18.6
Corporate publicity
11.1
17.6
14.3
7.1
12.3
10.2
Rural camps
8.1
2.5
5.4
5.9
2.5
3.9
Publicity vans
3.3
5.4
4.3
2.0
3.4
2.8
Panchayat
5.8
0.9
3.4
5.8
1.0
2.9
Friends/relatives
39.4
36.2
37.8
41.3
42.6
42.1
Agents
69.1
70.8
70.0
42.0
47.0
45.0
All
100.0
100.0
100.0
100.0
100.0
100.0
Number of households
11,301
10,866
22,167
3,237
4,774
8,011
27
Insured Households
Uninsured Households
Rural
Urban
Total
Rural
Urban
Total
97.0
97.5
97.2
54.0
59.6
57.3
Natural calamity
22.4
21.4
21.9
22.2
20.0
20.9
Crop failure
18.1
7.8
13.0
14.4
9.7
11.4
Accidents
68.1
67.3
67.7
64.8
63.5
64.0
Theft/burglary
10.6
10.3
10.5
8.4
8.6
8.5
Physical disability
8.8
9.9
9.3
8.9
8.8
8.8
Chronic illnesses
3.5
5.3
4.4
3.6
4.2
4.0
7.5
10.2
8.8
4.9
6.8
6.1
Untimely death
60.7
60.7
60.7
55.0
56.1
55.7
Investment
21.7
29.9
25.7
17.0
22.5
20.4
Tax benefits
8.0
11.6
9.7
1.3
2.6
2.1
Others
1.3
1.5
1.4
1.7
1.8
1.8
100.0
100.0
100.0
100.0
100.0
100.0
0.8
0.7
0.8
17.9
18.8
18.5
0.0
0.0
0.0
47.4
41.5
43.8
0.0
0.0
0.0
46.7
42.4
44.1
0.0
0.0
0.0
88.7
79.6
83.2
Others
0.0
0.0
0.0
21.4
19.9
20.5
2.3
1.8
2.0
28.1
21.6
24.2
All
Households who feel
insurance is not relevant
Reasons for not being relevant
28
Table 4.4a: Distribution of Households by Their Perception about the Class to Which Insurance is Relevant (Percentage)
Class to which insurance
is relevant
Insured Households
Uninsured Households
Rural
Urban
Total
Rural
Urban
Total
2.3
2.5
2.4
12.7
12.6
12.6
3.9
3.4
3.7
2.9
1.9
2.3
1.6
1.5
1.6
2.3
1.8
2.0
88.0
88.9
88.5
58.4
63.1
61.2
None
0.3
0.3
0.3
0.4
0.7
0.6
Cant say
3.9
3.4
3.6
23.3
19.9
21.3
All
100.0
100.0
100.0
100.0
100.0
100.0
11,301
10,866
22,167
3,237
4,774
8,011
Table 4.4b: Perception of Households on Class to Which Insurance is Relevant by Annual Household Income Categories
(Percentage)
Insured Households
Class to which
insurance is relevant
Less than
Rs 10,000
Uninsured Households
Rs 15,000 Above
Rs 25,000 Rs 25,000
2.37
2.95
2.22
2.26
13.60
12.49
12.87
9.93
1.51
2.16
4.41
5.74
1.27
2.18
3.48
3.34
1.70
1.87
1.44
1.36
2.37
1.81
1.79
1.76
89.58
88.80
87.81
87.92
62.77
59.95
60.29
60.98
None
0.46
0.19
0.19
0.25
0.34
0.67
0.98
0.26
Can't say
4.38
4.03
3.93
2.46
19.64
22.90
20.59
23.73
29
Urban
Total
Rural
Urban
Total
Savings tool
10.5
9.3
9.9
10.0
10.0
10.0
Protection tool
20.5
20.8
20.7
15.6
17.6
16.8
Both
49.7
15.6
51.6
26.5
26.0
26.2
None
19.3
16.4
17.8
48.0
46.4
47.1
All
100.0
100.0
100.0
100.0
100.0
100.0
11,301
10,866
22,167
3,237
4,774
8,011
30
Uninsured Households
Perception of
insurance
Table 4.6: Distribution of Households by Their Perception of the Extent to Which Insurance Can Replace Losses
(Percentage)
Extent to which insurance
can replace losses
Insured Households
Rural
Uninsured Households
Urban
Total
Rural
Urban
Total
28.9
29.3
29.1
14.0
14.8
14.5
Part
41.4
43.7
42.5
20.1
19.7
19.9
None
2.4
2.4
2.4
2.2
3.0
2.7
Cant say
27.3
24.6
26.0
63.7
62.5
63.0
All
100.0
100.0
100.0
100.0
100.0
100.0
26.4
27.4
26.9
8.2
10.5
9.6
Part
43.0
45.4
44.2
19.1
19.7
19.5
None
2.1
2.0
2.1
3.3
3.2
3.2
Cant say
28.5
25.2
26.9
69.4
66.7
67.8
All
100.0
100.0
100.0
100.0
100.0
100.0
31
Table 4.7: Distribution of Households by Their Perception of Benefits of Insurance vis--vis other Avenues of Savings
(Percentage)
Insured Households
Uninsured Households
Benefits of insurance
Easy marketability
Rural
Urban
Total
Rural
Urban
Total
11.0
11.7
11.4
2.4
2.5
2.5
Easy liquidity
14.4
14.7
14.6
4.3
5.0
4.7
Transferability
10.2
10.8
10.5
3.3
3.4
3.4
Appreciation
28.1
27.9
28.0
8.8
11.9
10.7
Tax benefits
19.1
28.7
23.8
4.6
6.9
5.9
Usefulness in emergency
51.6
52.6
52.1
16.1
19.2
18.0
No benefits
1.2
1.5
1.3
2.0
3.1
2.7
6.0
6.8
6.4
2.9
3.4
3.2
Cant say
14.4
12.6
13.5
62.8
56.1
58.8
All
100.0
100.0
100.0
100.0
100.0
100.0
11,301
10,866
22,167
3,237
4,774
8,011
Table 4.8: Distribution of Households Based on Awareness and Views about Benefits of Life Insurance Policies
(Percentage)
Insured Households
Uninsured Households
Rural
Urban
Total
Rural
Urban
Total
97.2
97.3
97.2
56.5
66.1
62.2
60.4
62.1
61.2
53.7
51.0
52.0
48.2
49.8
49.0
37.9
41.5
40.1
Daughters marriage
20.5
18.0
19.3
16.0
15.6
15.8
Childrens education
16.9
20.3
18.6
10.3
11.5
11.1
24.8
24.1
24.7
18.7
17.7
18.1
Tax benefits
9.9
13.8
11.9
6.0
5.0
5.3
42.8
44.2
43.4
37.9
40.1
39.3
1.0
0.8
0.9
3.6
3.9
3.8
100.0
100.0
100.0
100.0
100.0
100.0
Risk coverage
Others
Total
32
Table 4.9: Distribution of Households Based on Their Awareness and Views about Benefits of Health Insurance
(Percentage)
Households who have heard of health insurance
Rural
Urban
Total
51.2
56.1
53.7
45.9
49.4
47.8
38.1
38.0
38.0
Only OPD
8.5
9.3
8.9
Only hospitalisation
32.1
33.6
32.9
Cashless facility
17.2
18.2
17.8
Other benefits
6.2
6.2
6.2
No benefits
3.8
2.5
3.1
All
100.0
100.0
100.0
7,438
8,776
16,214
Others
33
Table 4.10: Distribution of Insured Households by Factors Influencing Their Decision to Take Insurance (Percentage)
Reasons influencing decision to take insurance
Urban
Total
Voluntary
42.1
47.3
44.7
Advice of friends/neighbours/relatives
41.3
40.5
40.9
Advice of agent
76.3
73.1
74.7
Through employer
6.3
6.4
6.3
Advertisements
11.5
15.8
13.6
2.7
3.7
3.1
Other sources
All
1.2
1.3
1.2
100.0
100.0
100.0
Table 4.11: Distribution of Uninsured Households by Reasons for No Member Being Insured (Percentage)
Reasons
Rural
Urban
Total
Not so important
24.1
25.6
25.0
Too expensive
54.9
57.1
56.2
30.5
28.0
29.0
Poor services
10.7
9.3
9.9
Accessibility problem
17.0
12.6
14.4
Complex policies
10.4
12.1
11.4
Difficult procedure
10.5
12.5
11.7
2.8
2.6
2.7
9.0
7.1
7.9
3.4
5.6
4.7
Any other
34
8.7
8.2
8.4
All
100.0
100.0
100.0
3,237
4,774
8,011
Table 4.12: Perception of Uninsured Households by Type of Financial Risks They Could Face (Percentage)
Households' perception on types of financial risks they could face
Rural
Urban
Total
30.2
31.5
31.0
Loss of job
22.4
30.7
27.3
31.1
31.8
31.5
Crop failure
28.2
7.3
15.7
Fire/theft/burglary
15.8
14.2
14.7
Any other
22.8
23.2
23.1
3,237
4,774
8,011
35
Table 4.13: Distribution of Uninsured Households by Their Views on Linking Insurance with Credit (Percentage)
Views on linking insurance with credit
Rural
Urban
Total
Yes
32.3
33.6
33.1
No
26.1
29.2
27.9
Cant Say
41.6
37.2
39.0
27.0
27.8
27.3
No
20.3
21.7
21.1
Difficult to say
52.7
50.5
51.6
3,237
4,774
8,011
4.13 Conclusion
Many households do not fully understand the
concept of insurance although those insured
seem somewhat better in this regard. A high
proportion of the households interviewed in
this pre-launch survey associate insurance
mainly with loss of life, since they do not have
much knowledge about other forms of
insurance covers that are available in the
market. For a number questions on views on
various aspects of insurance, a fairly large
proportion of uninsured households could not
give any answer. This shows their lack of
knowledge as well as interest. For instance, the
households are not at all sure about the extent to
which an insurance cover can compensate for
losses.
Not only is there lack of knowledge about
insurance, there are also misconceptions such as
the ability of insurance to prevent certain
unforeseen events or to prevent damage to
assets, and this applies to both insured and
uninsured households. In the case of uninsured
households the misconceptions are greater.
36
37
Table 5.1: Distribution of Insured Households by the Opinion about Mandatory Paper Work (Percentage)
Mandatory paper work is simple
Insured Households
Rural
Urban
Total
Yes
64.7
69.0
66.8
No
11.8
14.8
13.3
Cant say
23.5
16.2
19.9
All
100
100
100
Yes
40.0
46.7
43.3
No
19.5
20.3
19.9
Cant say
40.5
33.0
36.8
All
100
100
100
38
Table 5.2 Distribution of Households by Knowledge about Rights and Duties as Policy Holders by Level of Education of
the Households (Percentage)
Whether Households know their rights as policy holders
Illiterate
Up to
primary
Up to
secondary
Higher
secondary
and above
All
Yes
55.02
62.63
71.56
81.21
76.93
No
21.05
17.53
14.60
10.34
12.16
Can't say
23.92
19.84
13.84
8.44
10.91
Premium payment
76.16
71.95
72.22
70.78
71.26
35.48
32.58
37.54
43.19
41.03
Change of nominee
25.10
36.96
38.05
48.93
45.15
Lock-in period
7.79
7.37
11.33
12.90
12.15
Surrender value
5.19
11.86
15.40
19.78
18.07
Others
2.60
2.76
4.43
4.03
4.07
Yes
78.37
82.14
84.98
89.80
87.78
No
13.94
9.83
8.19
5.26
6.50
Can't say
7.69
8.03
6.83
4.94
5.72
23.70
27.47
37.87
44.05
41.12
86.29
89.53
87.79
88.85
88.55
18.84
16.59
22.77
28.89
26.32
11.55
22.73
21.76
23.54
22.87
3.04
8.87
12.63
14.63
13.62
Others
1.22
0.53
1.20
1.44
1.32
210
1,387
6,588
13,979
22,164
Note: These are multiple responses and therefore the sum may not be equal to hundred
39
Table 5.3: Distribution of Households on the Basis of Their Knowledge about Policy by Level of Education (Percentage)
Illiterate
Knowledge about policy
Up to
primary
school
Up to
secondary
school
Higher
secondary
school
and above
All
8.31
9.51
12.50
11.30
7.35
14.71
13.96
12.31
10.07
11.02
Consult agent
62.25
55.09
54.14
49.72
51.48
Approach company
5.88
10.54
13.86
19.97
17.43
Approach ombudsman/lokayukta
0.49
0.59
0.93
2.23
1.73
Others
0.00
0.52
0.63
0.55
0.57
Don't know
9.31
10.99
8.62
4.96
6.47
13.53
10.61
8.23
9.34
9.13
8.21
11.26
13.29
14.71
14.01
Forced by agent
12.56
8.66
7.29
6.58
6.98
39.61
43.00
50.91
54.26
52.42
Others
0.00
0.87
0.84
1.14
1.02
Don't know
26.09
25.61
19.45
13.96
16.44
Change/modifications
17.22
17.28
20.12
26.11
23.69
Clauses
4.31
7.23
11.41
14.48
13.01
Others
1.44
2.31
2.51
3.34
3.01
Don't know
77.03
73.17
65.97
56.07
60.29
210
1,387
6,588
13,979
22,164
40
Table 5.4: Distribution of Households on the Basis of Their Knowledge about Settlement of Claims by Level of Education
(Percentage)
Illiterate
Knowledge about settlement of claims
Up to
primary
school
Up to
secondary
school
Higher
secondary
school
and above
All
60.00
65.18
72.36
76.85
74.62
On death
62.86
69.00
74.42
77.38
75.83
On hospitalisation
11.90
11.61
14.15
17.96
16.37
On theft
3.33
5.98
6.07
8.26
7.42
8.10
16.15
17.59
22.41
20.44
Others
0.95
1.44
1.72
1.97
1.85
Don't know
7.14
7.14
5.07
3.47
4.21
56.19
62.51
70.45
73.11
71.49
Death certificate
37.62
52.34
60.96
70.25
66.05
Policy report
12.38
16.80
20.11
25.32
23.12
Hospital document
7.62
10.09
13.49
18.53
16.40
Others
4.29
2.81
4.13
4.93
4.55
Don't know
29.52
18.75
12.36
8.05
10.20
19.62
21.23
20.02
23.05
22.00
Three months
21.53
22.24
22.73
23.09
22.92
Six months
4.78
6.14
10.47
12.31
11.30
One year
0.96
2.38
2.53
3.05
2.83
0.96
1.30
1.52
1.13
1.25
No specific time
14.83
12.35
14.47
17.99
16.56
Don't know
37.32
34.37
28.28
19.39
23.14
210
1387
6,588
13,979
22164
41
42
Table 5.5: Distribution of Households on the Basis of Knowledge about the Amount to be Received if Surrendered
Before Maturity, Penalty If Premium not Paid, and Lapse of Policy (Percentage)
Illiterate
Knowledge about policy
Up to
primary
school
Up to
secondary
school
Higher
secondary
school
and above
All
Knowledge about amount of the face value to be received if policy is surrendered before maturity
Full sum assured
19.71
17.69
16.39
14.37
15.23
15.38
19.78
22.95
23.69
23.15
21.63
25.42
32.80
42.93
38.62
Others
5.77
4.12
2.65
2.29
2.54
37.50
33.00
25.21
16.73
20.46
52.40
54.84
59.92
61.31
60.41
17.79
22.11
21.92
25.63
24.24
No penalty at all
15.38
6.86
5.44
4.24
4.87
Can't say
14.42
16.18
12.72
8.82
10.49
Don't know
Knowledge about penalty if premium is paid after due date
Yes
Knowledge about reasons for loss of insurance coverage and policy lapse
Non-payment of premium
44.71
49.53
54.91
60.31
57.88
Change of address
14.42
11.91
11.17
11.08
11.19
14.90
17.04
15.40
15.45
15.53
Others
0.96
1.23
1.04
1.00
1.03
25.00
20.29
17.49
12.15
14.37
10.58
13.81
12.58
12.74
12.74
42.79
46.64
54.24
63.28
59.36
3.85
4.41
4.96
5.40
5.19
Others
5.77
2.02
1.53
1.39
1.51
Don't know
37.02
33.12
26.69
17.19
21.2
210
1,387
6,588
13,979
22,164
Don't know
Knowledge about possibility of revival of lapsed policy
43
Table 5.6.: Distribution of Households on the Basis of Knowledge about Grievance and Dispute Resolution by Level of
Education (Percentage)
Illiterate
Knowledge about grievance and dispute resolution
Up to
primary
school
Up to
secondary
school
Higher
secondary
school
and above
All
22.47
25.65
24.31
25.71
19.39
Receipt of policy
29.05
34.32
31.89
35.45
34.26
Premium related
27.14
37.06
39.74
45.22
42.91
Claim settlement
24.76
32.30
39.66
43.94
41.75
Others
3.81
7.14
5.75
4.34
4.93
None
10.00
8.51
7.91
5.67
6.55
68.90
69.44
61.54
53.06
56.76
Approach company
17.22
18.03
24.71
32.02
28.83
Approach ombudsman/lokayukta
2.87
2.82
4.99
8.53
7.07
Others
0.96
0.94
1.10
1.64
1.43
Don't know
10.05
8.76
7.67
4.75
5.92
210
1,387
6,588
13,979
22,164
5.9 Conclusion
Even among uninsured households, 60 per cent
have heard of life insurance. However, for health
insurance, the level of awareness is much lower
since people tend to associate insurance with
death. Although many might have heard about
life or health insurance, there is a lack of
knowledge about the various aspects of insurance
even among policy holders. For instance, not all
policy holders know that their policies could be
cancelled because of non-payment of premium.
Though most know when they can claim their
policy amounts, and to some extent the
procedure involved in claim settlement, they
have no idea about the time taken for a claim
settlement or the amount they would receive if
the policy is surrendered before maturity.
A high percentage of households know that
a nomination facility is available. However, more
people know about their duties rather than their
rights as policy holders. The most important
duty mentioned by households is the duty to pay
the premium and the most important right is the
right to pay the premium.
It was seen in the previous chapter that
generally people are very much dependent on
44
Conclusion
45
46
47
48
49
50
References
Hogarth, Jeanne M. (2006):Financial Education and Economic Development. Paper prepared for
Improving Financial Literacy, International Conference hosted by the Russian G8 Presidency in
co-operation with the OECD, 2330 November.
IRDA (2010): Annual Report, Insurance Regulatory and Development Authority, India.
OECD (2006): Summary Records of a Conference on Financial Education, India, 2122
September.
NCAER (2008):How India Earns, Spends and Saves, a Max New York Life NCAER Study.
51
53
55
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
Agriculture labour
3.6
2.9
0.0
0.8
3.2
3.4
4.6
0.5
1.7
3.4
3.1
3.2
0.3
4.4
4.1
5.3
2.5
0.0
4.6
3.4
1.3
1.3
1.3
6.8
2.5
0.0
7.0
8.1
3.4
6.5
7.0
0.0
0.0
0.0
Self-employed in
agriculture
36.3
36.1
12.5
5.6
37.4
35.7
38.0
35.7
39.1
38.1
36.8
35.4
36.0
29.7
36.2
37.8
35.8
0.0
0.0
37.0
37.5
36.3
38.1
37.4
37.5
37.5
37.3
37.4
37.7
34.9
39.6
38.3
37.5
37.4
Self-employed in
non-agriculture
24.6
24.8
30.0
39.7
20.0
24.4
24.7
23.4
23.6
24.4
25.6
24.8
21.6
26.7
24.7
25.0
26.0
31.6
0.0
25.2
25.0
25.0
24.7
25.0
25.0
25.0
25.2
24.8
23.8
25.9
21.4
23.7
26.3
24.3
Casual labour
9.5
10.5
15.0
11.9
11.5
9.7
8.2
14.8
12.5
9.4
9.9
9.3
6.5
8.6
9.5
7.2
11.5
10.5
0.0
9.4
11.3
12.5
11.3
5.4
10.0
12.5
5.0
4.2
10.4
7.0
9.3
11.5
11.3
13.1
Regular wages
salaried
25.6
25.4
42.5
40.5
27.7
25.2
24.4
24.2
23.1
24.7
24.8
26.6
34.3
29.1
25.2
24.4
24.3
47.4
95.5
24.7
25.0
25.0
23.1
25.3
25.0
25.0
25.4
25.3
24.7
25.6
22.5
26.5
25.0
25.2
Others
0.4
0.3
0.0
1.6
0.3
1.7
0.1
1.3
0.0
0.0
0.0
0.7
1.4
1.5
0.4
0.3
0.0
10.5
0.0
0.3
0.0
0.0
1.6
0.2
0.0
0.0
0.2
0.2
0.1
0.0
0.4
0.0
0.0
0.0
Rural Sub-total
51.0
53.8
53.3
29.4
53.4
53.1
53.3
52.3
53.3
53.3
53.4
50.8
48.3
52.3
53.2
53.3
53.4
20.7
23.2
53.3
53.3
53.3
43.2
50.6
53.3
53.3
53.3
47.8
49.2
44.8
52.3
53.4
53.3
47.1
Self-employed in
agriculture
2.4
2.4
0.0
1.0
1.4
1.4
1.6
2.3
1.8
0.4
4.6
3.3
16.0
4.4
2.3
1.4
1.2
2.7
0.0
2.3
0.0
0.0
0.2
2.6
0.0
0.0
1.8
3.6
0.8
0.6
1.8
0.7
0.0
0.2
Agriculture labour
0.5
0.4
0.0
0.0
0.0
0.0
0.6
0.3
0.2
0.4
0.6
0.6
0.6
1.2
0.9
0.7
0.9
0.0
0.0
0.5
0.0
0.0
0.0
1.0
2.9
0.0
0.2
1.4
0.4
1.0
0.4
0.0
0.0
0.0
Casual labour
13.7
14.1
14.3
13.7
14.3
14.3
14.2
14.9
13.4
14.3
14.2
13.0
8.6
10.4
14.8
13.9
15.5
1.4
1.4
13.9
14.3
20.0
14.1
13.3
11.4
15.7
14.8
12.3
14.2
13.0
14.8
14.6
15.7
14.3
40.2
40.8
40.0
42.5
41.4
41.4
42.0
39.7
41.1
42.3
39.2
38.4
30.4
35.2
41.5
41.4
41.0
23.3
4.1
40.5
42.9
38.6
43.1
39.9
42.9
42.9
41.2
38.5
42.3
41.6
41.8
41.4
45.7
43.3
Self-employed in
non-agriculture
Regular wages
salaried
42.6
42.2
45.7
42.5
42.9
42.4
41.4
42.9
43.4
42.7
41.3
43.3
36.7
45.9
40.2
42.5
41.6
69.9
94.5
42.7
42.9
41.4
40.7
42.6
42.9
41.4
41.2
43.6
42.3
43.6
41.2
43.2
38.6
42.2
Others
0.6
0.2
0.0
0.3
0.0
0.5
0.4
0.0
0.2
0.0
0.2
1.5
7.7
2.9
0.3
0.0
0.0
2.7
0.0
0.0
0.0
0.0
1.9
0.6
0.0
0.0
0.8
0.6
0.1
0.2
0.0
0.0
0.0
0.0
Urban Sub-total
49.0
46.2
46.7
70.6
46.6
46.9
46.7
47.7
46.7
46.7
46.6
49.2
51.7
47.7
46.8
46.7
46.6
79.3
76.8
46.7
46.7
46.7
56.8
49.4
46.7
46.7
46.7
52.2
50.8
55.2
47.7
46.6
46.7
52.9
Self-employed in
agriculture
19.7
19.9
6.7
2.3
20.6
19.6
21.0
19.8
21.7
20.5
21.8
19.6
25.6
17.7
20.3
20.8
19.6
2.2
0.0
20.8
20.0
19.3
16.6
20.2
20.0
20.0
20.8
19.8
18.9
16.0
21.5
20.8
20.0
17.7
Agriculture labour
2.1
1.7
0.0
0.2
1.7
1.8
2.7
0.4
1.0
2.0
1.9
1.9
0.5
2.9
2.6
3.2
1.7
0.0
1.1
2.1
0.7
0.7
0.5
3.9
2.7
0.0
3.8
4.6
1.9
3.5
3.8
0.0
0.0
0.0
All (Rural+Urban)
11.6
12.3
14.7
13.2
12.8
11.8
11.0
14.9
12.9
11.7
11.9
11.1
7.6
9.5
12.0
10.3
13.4
3.3
1.1
11.5
12.7
16.0
12.8
9.3
10.7
14.0
9.5
8.4
12.3
10.4
11.9
13.0
13.3
13.7
Casual labour
Urban
32.3
32.4
34.7
41.7
30.0
32.4
32.8
31.2
31.8
32.7
31.9
31.5
26.1
30.7
32.5
32.7
33.0
25.0
3.2
32.3
33.3
31.3
35.1
32.4
33.3
33.3
32.6
31.9
33.2
34.5
31.1
32.0
35.3
34.4
Self-employed in
non-agriculture
Rural
33.9
33.4
44.0
41.9
34.8
33.3
32.3
33.1
32.6
33.1
32.5
34.8
35.5
37.1
32.2
32.8
32.3
65.2
94.7
33.1
33.3
32.7
33.1
33.8
33.3
32.7
32.7
34.9
33.7
35.6
31.4
34.3
31.3
34.2
Regular wages
salaried
Others
0.5
0.2
0.0
0.7
0.1
1.1
0.2
0.7
0.1
0.0
0.1
1.1
4.6
2.2
0.3
0.2
0.0
4.4
0.0
0.2
0.0
0.0
1.8
0.4
0.0
0.0
0.5
0.4
0.1
0.1
0.2
0.0
0.0
0.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Grand Total
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhandl
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
Agriculture
labour
11.1
9.4
0.0
3.1
7.1
10.0
16.7
0.0
7.5
3.8
11.2
12.1
12.0
15.1
11.9
17.5
8.2
19.9
7.6
12.5
0.0
5.0
2.5
17.4
5.0
20.0
16.4
19.5
8.1
14.7
17.3
0.0
0.0
0.0
Self-employed in
agriculture
35.0
33.7
10.0
3.1
21.2
30.0
37.5
26.7
40.0
45.0
36.0
32.8
40.7
22.6
30.9
46.3
19.4
32.6
67.7
18.8
5.0
25.0
17.5
45.4
5.0
5.0
45.0
56.0
36.5
30.4
50.4
27.9
20.0
34.3
Casual labour
28.3
30.8
30.0
15.6
48.5
31.7
27.5
31.9
33.1
30.0
28.2
29.7
9.3
26.0
33.8
18.8
45.9
16.0
9.5
60.0
65.0
45.0
42.5
16.5
5.0
50.0
13.6
16.4
27.1
14.7
14.4
34.2
10.0
47.1
13.1
13.6
25.0
46.9
5.1
11.7
9.6
22.4
11.3
10.0
14.3
12.9
21.3
18.5
12.4
5.0
19.4
10.5
4.4
5.0
10.0
25.0
28.8
8.3
30.0
20.0
9.3
3.1
16.0
24.5
7.2
22.8
20.0
14.3
Self-employed in
non-agriculture
Regular wages
salaried
11.6
12.4
35.0
28.1
18.2
15.0
8.3
19.0
8.1
11.3
10.3
10.9
12.0
13.7
11.0
12.5
7.1
18.8
10.1
3.8
15.0
0.0
7.5
10.6
55.0
0.0
12.1
5.0
12.1
15.7
10.1
15.2
50.0
4.3
Others
0.9
0.3
0.0
3.1
0.0
1.7
0.4
0.0
0.0
0.0
0.0
1.4
4.6
4.1
0.0
0.0
0.0
2.2
0.6
0.0
5.0
0.0
1.3
1.8
0.0
5.0
3.6
0.0
0.2
0.0
0.7
0.0
0.0
0.0
Rural Sub-total
40.4
40.8
40.0
19.5
39.8
40.0
40.1
43.6
40.0
39.9
39.8
44.3
55.4
44.0
40.3
40.0
39.8
58.8
55.4
40.0
40.0
40.0
30.8
37.3
40.0
40.0
40.0
34.6
37.0
32.8
42.5
39.7
40.0
34.1
Self-employed in
agriculture
3.5
2.5
0.0
0.8
0.7
2.2
2.0
4.7
2.1
0.8
4.1
5.5
27.9
7.0
3.4
2.5
2.0
18.1
3.9
2.5
0.0
0.0
0.0
3.9
0.0
0.0
1.9
6.0
1.2
2.4
1.6
0.0
0.0
0.7
Agriculture
labour
1.2
0.7
0.0
0.0
0.0
1.1
0.8
0.0
1.7
0.0
0.9
2.0
3.5
1.6
1.4
1.7
0.7
10.2
0.0
1.3
0.0
0.0
1.1
1.4
0.0
0.0
0.5
2.3
0.5
1.0
0.5
0.0
0.0
0.4
Casual labour
36.2
38.5
26.7
37.9
32.0
27.8
45.4
40.0
32.9
35.5
41.0
40.3
20.9
27.4
37.7
35.8
37.6
18.1
24.4
75.0
53.3
46.7
50.0
24.4
3.5
26.7
26.7
24.6
31.5
8.1
27.1
29.4
43.3
52.2
Urban
32.7
31.9
20.0
16.7
32.0
31.1
31.5
25.3
33.8
26.5
39.0
32.4
31.4
40.9
38.7
28.3
43.0
18.9
33.9
15.4
40.0
33.3
37.8
34.2
44.8
20.0
37.1
32.6
34.1
38.8
35.1
40.3
33.3
27.0
Self-employed in
non-agriculture
Rural
Regular wages
salaried
25.7
25.8
53.3
43.2
34.7
36.7
19.5
30.0
28.8
37.2
15.0
18.5
14.0
19.4
18.5
30.8
16.1
34.7
36.2
5.8
6.7
20.0
7.8
35.1
51.7
50.0
32.9
33.6
32.7
49.8
35.6
30.3
23.3
19.6
Others
0.7
0.5
0.0
1.5
0.7
1.1
0.8
0.0
0.8
0.0
0.0
1.3
2.3
3.8
0.3
0.8
0.7
0.0
1.6
0.0
0.0
0.0
3.3
1.1
0.0
3.3
1.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
Urban Sub-total
59.6
59.2
60.0
80.5
60.2
60.0
59.9
56.4
60.0
60.1
60.2
55.7
44.6
56.0
59.7
60.0
60.2
41.2
44.6
60.0
60.0
60.0
69.2
62.7
60.0
60.0
60.0
65.4
63.0
67.2
57.5
60.3
60.0
65.9
Self-employed in
agriculture
16.2
14.7
4.0
1.2
8.8
13.3
16.2
14.3
17.3
18.4
16.8
17.6
35.1
13.9
14.5
20.0
8.9
26.6
39.3
9.0
2.0
10.0
5.4
19.4
2.0
2.0
19.1
23.3
14.3
11.6
22.3
11.1
8.0
12.2
Agriculture
labour
5.2
4.1
0.0
0.6
2.8
4.7
7.2
0.0
4.0
1.5
5.0
6.5
8.3
7.5
5.6
8.0
3.6
15.9
4.2
5.8
0.0
2.0
1.5
7.4
2.0
8.0
6.9
8.3
3.3
5.5
7.7
0.0
0.0
0.2
All (Rural+Urban)
33.0
35.5
28.0
33.5
38.6
29.3
38.2
36.5
33.0
33.3
35.9
35.6
14.4
26.8
36.1
29.0
40.9
16.9
16.1
69.0
58.0
46.0
47.7
21.5
4.1
36.0
21.4
21.7
29.9
10.3
21.7
31.3
30.0
50.5
Casual labour
24.8
24.7
22.0
22.6
21.3
23.3
22.7
24.1
24.8
19.9
29.1
23.8
25.8
31.0
28.1
19.0
33.6
14.0
17.5
11.3
28.0
30.0
35.0
24.5
38.8
20.0
26.0
22.4
27.4
34.1
23.2
33.3
28.0
22.7
Self-employed in
non-agriculture
56
20.0
20.6
46.0
40.2
28.1
28.0
15.0
25.2
20.5
26.9
13.2
15.1
12.9
16.9
15.5
23.5
12.6
25.3
21.8
5.0
10.0
12.0
7.7
26.0
53.1
30.0
24.6
23.7
25.1
38.6
24.8
24.2
34.0
14.4
Others
0.8
0.4
0.0
1.8
0.4
1.3
0.7
0.0
0.5
0.0
0.0
1.4
3.6
3.9
0.2
0.5
0.4
1.3
1.1
0.0
2.0
0.0
2.7
1.3
0.0
4.0
2.0
0.7
0.1
0.0
0.3
0.0
0.0
0.0
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Grand Total
57
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
Agriculture labour
5.24
4.22
0.00
1.27
4.00
4.70
7.00
0.40
2.88
3.50
4.67
5.6
3.50
7.00
5.70
7.75
3.61
18.00
7.22
5.25
1.00
2.00
1.50
8.94
3.00
4.00
8.86
10.38
4.34
8.20
9.00
0.00
0.00
0.00
Self-employed in
agriculture
35.99
35.58
12.00
5.06
34.20
34.56
37.92
33.60
39.25
39.50
36.61
34.67
37.25
28.00
35.10
39.50
32.53
29.50
59.44
33.38
31.00
34.00
34.00
39
31.00
31.00
38.86
41.13
37.43
34.00
41.71
36.25
34.00
36.77
Casual labour
25.60
18.57
23.50
25.00
22.32
7.25
12.83
14.40
9.50
18.27
15.50
8.33
19.50
22.00
19.00
17.50
7.59
9.00
20.00
6.71
6.63
13.71
8.60
10.29
16.00
11.00
19.89
Self-employed in
non-agriculture
22.08
22.5
29.00
41.14
17.00
21.81
21.67
23.20
21.13
21.50
23.33
21.65
21.50
24.67
22.20
21.00
24.70
12.50
3.89
21.13
22.00
25.00
25.50
21.65
26.00
24.00
22.00
20.50
22.22
13.71
14.65
18.00
12.66
18.80
14.09
12.08
18.80
16.63
13.50
13.50
14.79
Regular wages
salaried
23.60
20.00
24.25
30.00
21.03
22.50
22.78
41.00
37.97
25.80
23.15
21.17
23.00
20.13
22.00
21.89
22.38
28.25
25.33
22.30
22.00
20.88
21.50
20.56
20.50
23.00
20.00
20.00
22.35
31.00
20.00
22.71
21.25
22.18
Others
0.00
0.43
0.00
0.00
0.00
0.47
0.28
0.00
1.90
0.20
1.68
0.17
1.00
0.00
0.00
0.00
0.9
2.25
2.17
0.30
0.25
0.00
3.00
0.56
0.25
1.00
0.00
1.50
0.47
0.00
1.00
0.86
0.13
0.13
Rural Sub-total
41.67
50.00
50.00
50.00
43.75
48.17
50.52
50.00
26.67
50.00
49.83
50.00
50.00
50.00
50.00
50.00
48.85
50.00
50.00
50.00
50.00
50.00
50.00
47.37
50.00
50.00
50.00
40.00
47.22
50.00
50.00
50.00
44.44
46.15
1.14
1.71
0.50
0.00
0.33
0.72
0.46
0.00
0.00
0.00
0.33
0.67
0.20
0.63
0.25
0.67
1.06
Self-employed in
agriculture
1.25
1.34
1.00
1.00
0.80
6.50
0.00
0.75
0.00
0.00
0.33
1.11
2.02
0.00
0.29
1.70
0.39
1.00
0.43
0.00
0.00
0.11
Agriculture labour
2.71
2.43
0.00
0.91
1.20
1.67
1.67
3.00
1.88
0.50
4.44
3.99
18.55
5.18
2.61
1.75
1.41
12.50
2.50
2.38
0.00
0.00
0.17
2.95
0.00
0.00
1.86
4.30
0.89
Casual labour
11.28
15.72
21.64
20.50
22.09
12.00
16.00
32.25
26.00
28.00
24.83
16.66
9.09
19.00
18.34
16.00
19.26
11.57
18.14
19.05
24.00
25.67
20.56
21.43
18.00
21.00
19.60
18.33
23.50
22.40
19.25
20.75
22.22
21.75
30.58
36.96
40.68
37.50
41.57
20.50
23.00
33.00
42.00
37.00
41.50
38.22
43.43
36.00
39.97
36.70
39.91
40.71
40.00
41.10
42.00
38.44
37.94
38.13
34.00
34.70
38.60
38.33
38.83
35.40
38.88
37.50
39.11
36.48
Self-employed in
non-agriculture
Regular wages
salaried
31.83
37.63
33.77
39.00
33.94
47.50
57.50
31.63
32.00
35.00
30.83
40.33
45.45
44.00
38.68
40.60
39.51
45.43
39.71
39.35
34.00
35.44
37.44
37.26
48.00
42.69
40.40
40.67
34.83
39.00
39.00
41.00
33.44
35.34
Others
6.52
3.18
0.30
0.25
0.20
1.00
1.00
0.00
0.00
0.00
2.33
0.74
0.00
1.00
0.86
0.70
0.04
0.14
0.00
0.00
0.00
0.00
0.64
0.28
0.00
0.68
0.20
0.67
0.50
0.00
0.38
0.00
0.11
1.39
Urban Sub-total
50.00
50.00
50.00
50.00
50.00
50.00
52.63
50.00
50.00
50.00
60.00
52.78
50.00
50.00
50.00
55.56
53.85
58.33
50.00
50.00
50.00
56.25
51.83
49.48
50.00
73.33
50.00
50.17
50.00
50.00
50.00
50.00
50.00
51.15
Self-employed in
agriculture
27.91
16.61
18.87
20.63
16.97
21.00
29.47
17.88
15.50
17.00
13.70
19.99
15.58
15.50
20.39
20.67
17.76
14.83
21.71
18.40
17.00
16.26
18.75
18.61
6.00
2.01
17.70
18.06
19.79
18.30
20.56
20.00
20.53
18.98
Agriculture labour
2.38
4.17
3.35
4.38
2.21
12.25
3.42
3.00
0.50
1.00
0.80
4.81
2.51
2.00
4.58
5.56
2.21
4.00
4.71
0.00
0.00
0.06
2.89
2.3
0.00
0.34
2.00
2.51
3.83
0.30
1.75
1.88
2.67
3.28
17.26
18.12
18.00
18.79
19.20
16.22
17.79
20.60
17.94
17.13
17.86
18.35
9.26
14.27
18.02
15.00
20.18
13.75
12.37
25.88
24.00
23.50
21.90
12.37
9.05
19.50
12.52
11.83
16.7
10.33
14.21
17.52
17.50
23.14
Casual labour
Urban
30.30
30.5
31.50
36.41
27.80
30.10
30.25
29.30
30.00
29.50
31.22
29.23
26.03
30.80
31.43
29.25
33.13
16.50
13.95
27.06
32.00
31.00
35.10
30.39
34.67
30.00
30.97
29.50
31.74
34.42
29.29
32.29
33.50
31.39
Self-employed in
non-agriculture
Rural
0.56
0.28
0.00
1.01
0.20
1.17
0.33
0.50
0.19
0.00
0.06
1.15
4.38
2.67
0.30
0.25
0.10
2.00
0.79
0.13
0.50
0.00
2.00
0.61
0.00
1.00
0.86
0.44
0.08
0.08
0.21
0.00
0.00
0.00
30.04
31.47
28.03
30.50
27.41
34.50
40.00
26.06
27.50
27.50
26.50
31.83
38.19
32.00
30.69
32.00
31.51
36.33
29.86
31.79
32.00
29.14
Others
30.24
30.19
44.50
41.44
33.10
31.94
28.00
31.00
29.56
31.50
27.67
29
Regular wages
salaried
Table S3.1c: Distribution of Households by Their Level of Occupation (Insured + Uninsured) (Percentage)
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Total
58
1.25
0.00
0.00
0.63
0.00
0.00
0.94
0.44
0.00
0.00
0.18
0.78
1.56
0.00
2.32
0.31
1.25
2.68
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
10.63
0.31
Chhattisgarh
Meghalaya
9.39
2.13
Bihar
Jharkhand
8.22
0.88
0.88
0.76
Uttar Pradesh
0.00
5.76
2.34
Rajasthan
Assam
15.16
0.00
Punjab
Arunachal Pradesh
7.55
6.15
Madhya Pradesh
2.81
2.94
18.44
0.42
Himachal Pradesh
8.09
3.74
0.50
Haryana
0.31
6.25
0.00
Delhi
0.99
12.50
0.00
Chandigarh
Eastern Region
9.47
Uttarakhand
7.87
1.41
1.94
Northern Region
State/UT
All India
Up to Primary
Illiterate
30.36
32.50
14.02
25.49
37.69
27.81
30.73
38.04
66.25
37.50
36.22
48.13
41.25
35.00
45.23
4.55
31.58
35.66
40.00
30.79
20.26
32.19
35.43
30.31
29.61
40.16
32.81
39.38
31.09
30.42
31.25
52.50
34.03
33.66
Up to Secondary
Insured
64.64
62.50
84.74
67.20
44.72
64.53
63.65
57.32
28.75
62.50
58.93
40.00
58.75
35.00
46.48
95.45
52.63
55.86
49.06
57.70
77.97
59.59
55.49
66.56
63.87
42.34
59.64
36.04
65.55
65.34
62.50
35.00
54.56
57.06
Higher Secondary
and Above
5.00
5.00
0.00
1.44
0.00
2.08
5.03
7.14
5.00
0.00
5.60
0.00
0.00
5.00
1.88
0.00
0.00
10.10
3.75
6.97
0.68
1.85
2.71
6.25
2.79
6.25
6.03
14.58
3.33
4.04
0.00
0.00
6.27
4.20
Illiterate
6.43
15.00
1.27
10.07
28.43
11.67
9.43
17.14
10.00
0.00
12.09
32.50
0.00
30.00
23.75
13.92
22.10
21.21
16.25
17.91
8.90
20.37
18.91
10.00
11.17
23.13
14.66
25.42
5.00
17.17
6.25
10.00
16.05
16.10
Up to Primary
40.00
35.00
31.65
29.50
42.16
35.83
44.03
34.29
50.00
50.00
40.71
45.00
60.00
45.00
60.63
41.14
45.30
44.44
46.25
36.32
41.10
52.78
45.65
42.50
35.75
39.38
36.21
41.25
36.67
42.42
40.63
45.00
38.80
41.21
Up to Secondary
Uninsured
48.57
45.00
67.09
58.99
29.41
50.42
41.51
41.43
35.00
50.00
41.59
22.50
40.00
20.00
13.75
44.94
32.60
24.24
33.75
38.81
49.32
25.00
32.72
41.25
50.28
31.25
43.10
18.75
55.00
36.36
53.13
45.00
38.88
38.49
Higher Secondary
and Above
59
0.47
0.59
1.43
1.95
0.57
0.00
0.48
0.29
0.36
0.71
0.00
0.39
0.00
0.00
1.00
0.00
1.43
0.00
0.00
0.18
0.00
0.00
0.00
0.23
0.00
0.00
0.61
0.00
0.50
0.61
0.78
0.00
0.00
0.48
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
Illiterate
All India
North Region
Chandigarh
State/UT
0.00
1.90
3.67
1.00
1.77
3.46
0.98
0.36
8.57
1.43
8.10
2.03
2.86
0.00
8.40
9.29
3.43
0.00
0.00
2.50
6.61
6.82
3.94
4.93
3.83
0.00
10.06
2.86
1.43
7.97
6.00
4.58
6.43
8.57
Up to Primary
15.71
22.86
28.37
20.60
24.21
34.62
21.48
16.07
32.86
21.43
33.10
24.15
20.00
34.29
25.21
23.21
29.14
5.48
15.07
34.82
30.18
26.25
19.00
26.14
25.88
13.77
26.62
20.29
21.43
26.87
29.71
25.62
26.34
47.14
Up to Secondary
Insured
84.29
74.76
67.35
78.40
73.52
61.30
76.76
83.57
58.57
77.14
58.81
73.59
77.14
65.71
65.38
67.50
66.00
94.52
84.93
62.50
62.86
66.22
77.06
68.54
70.29
86.23
61.36
76.29
77.14
64.68
64.00
69.33
66.64
42.86
Higher Secondary
and Above
0.00
1.48
1.90
1.66
1.10
0.48
2.13
0.00
0.00
0.00
0.00
1.58
0.00
0.00
5.37
1.67
3.33
0.00
0.00
1.25
2.08
5.20
0.83
1.71
0.00
0.54
3.03
0.67
1.11
2.51
2.00
2.07
2.98
6.67
Illiterate
0.00
3.70
3.81
1.99
3.18
4.31
2.66
1.67
33.33
3.33
22.22
3.15
6.67
6.67
20.47
19.17
11.33
12.60
3.15
23.75
18.33
13.57
6.61
15.94
16.09
4.30
12.88
12.67
8.89
20.33
12.67
11.75
14.70
16.67
6.67
25.93
41.90
32.89
29.13
44.02
27.66
18.33
46.67
56.67
60.56
36.25
30.00
36.67
39.26
34.17
42.00
43.31
43.31
56.67
34.58
37.92
29.75
45.14
56.32
29.57
37.12
28.00
37.78
35.10
36.00
37.63
35.36
40.00
Up to Secondary
Uninsured
Up to Primary
93.33
68.89
52.38
63.46
66.59
51.20
67.55
80.00
20.00
40.00
17.22
59.02
63.33
56.67
34.90
45.00
43.33
44.09
53.54
18.33
45.00
43.31
62.81
37.21
27.59
65.59
46.97
58.67
52.22
42.06
49.33
48.54
46.96
36.67
Higher Secondary
and Above
60
Up to Primary
6.26
8.01
10.67
8.94
3.33
2.23
13.55
6.81
11.17
6.25
3.34
6.53
5.96
0.46
8.93
10.00
5.46
3.26
0.00
5.25
20.00
0.67
9.32
3.24
1.33
2.68
4.10
2.84
3.89
9.79
3.08
0.67
2.00
2.10
Illiterate
0.95
1.29
0.67
1.38
0.53
0.22
3.50
0.14
1.42
0.74
0.17
0.70
0.00
0.46
1.60
0.17
1.33
0.00
0.00
0.42
0.00
0.00
0.41
0.33
0.00
0.00
0.38
0.37
1.02
0.34
1.58
0.17
0.67
1.51
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
25.98
36.00
23.58
14.98
24.67
26.39
39.59
30.27
29.33
51.68
33.52
25.45
32.62
10.87
12.63
40.37
34.00
32.00
25.04
30.86
28.97
17.17
28.18
32.17
25.70
26.56
33.54
31.34
35.50
28.04
29.72
30.34
50.00
27.98
Up to Secondary
Insured
Table S3.1f: Distribution of Households by Their Highest Level of Education (Rural + Urban)
69.10
53.88
71.76
84.19
72.67
70.00
50.68
66.16
69.33
45.64
62.00
71.34
60.59
85.87
87.37
53.96
46.00
67.33
71.45
61.91
65.07
81.91
61.29
57.67
70.44
70.98
49.42
61.72
51.92
64.96
Higher Secondary
and Above
63.07
60.35
38.67
61.70
1.46
0.32
1.83
0.00
2.00
2.68
0.00
3.08
0.00
2.00
4.00
2.83
6.02
0.00
0.00
1.50
2.00
0.00
2.99
2.16
1.03
0.60
6.01
2.50
2.01
2.00
7.35
3.76
3.75
4.24
2.93
4.27
4.00
2.44
Illiterate
6.32
12.22
5.81
1.51
6.00
4.63
25.38
6.48
4.00
8.00
9.14
4.57
15.26
18.18
9.12
23.75
32.00
2.00
7.96
17.26
18.46
6.33
19.44
18.00
14.46
7.33
22.37
13.53
20.25
12.61
13.51
15.23
14.00
11.59
31.61
43.41
28.44
23.62
18.00
30.73
55.77
37.91
38.00
42.00
38.86
36.74
42.97
44.48
42.11
58.25
46.00
58.00
34.83
45.37
54.36
34.64
38.08
39.00
33.73
37.33
37.56
36.09
36.50
37.05
39.08
36.71
42.00
37.80
Up to Secondary
Uninsured
Up to Primary
60.60
44.05
63.91
74.87
74.00
61.95
18.85
52.53
58.00
48.00
48.00
55.87
35.74
37.34
48.77
16.50
20.00
40.00
54.23
35.22
26.15
58.43
36.47
40.50
49.80
53.33
32.72
46.62
39.50
46.09
Higher Secondary
and Above
44.48
43.80
40.00
48.17
61
79.53
98.25
99.16
95.72
95.31
98.59
96.25
98.61
95.05
72.60
96.68
99.37
96.25
94.00
84.21
76.19
99.06
81.25
98.75
99.06
98.24
96.25
96.25
98.57
98.44
87.24
88.94
92.34
95.64
60.00
80.00
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
51.25
40.54
50.89
24.34
48.85
69.85
36.54
58.26
67.50
7.50
65.20
41.73
75.00
83.75
53.99
35.00
61.25
26.32
9.52
39.38
54.84
59.06
70.74
49.24
31.85
61.28
100.00
62.25
66.67
45.63
85.68
54.26
63.96
93.75
94.74
96.62
75.00
All India
Northern Region
Chandigarh
State/UT
Living in pucca
house
Living in own
house
97.50
97.86
99.46
97.34
98.44
98.99
98.22
99.38
100.00
97.50
87.50
98.53
100.00
100.00
64.46
99.06
82.65
94.74
100.00
85.31
82.60
95.94
73.00
84.98
99.66
94.93
99.21
98.75
99.58
79.38
99.48
88.59
84.20
93.75
Having electricity
Insured Households
95.00
92.86
62.86
64.12
90.94
93.97
82.53
97.51
67.50
70.00
59.06
64.07
66.25
70.00
64.63
55.63
81.16
84.21
100.00
79.81
77.66
57.19
51.70
72.51
84.54
81.46
83.46
85.79
72.15
72.89
73.18
72.64
67.62
96.25
Living in nuclear
family
Table S3.2a: Distribution of Households by Type of Dwelling Unit and Availability of Electricity Connection (Rural)
75.00
71.43
97.14
96.23
81.67
84.31
84.89
92.41
85.00
95.00
98.73
96.46
90.00
100.00
97.98
96.25
92.78
95.58
88.67
98.75
99.38
97.50
97.49
94.11
86.11
91.78
84.38
92.93
95.00
90.83
98.28
92.89
95.19
75.00
Living in own
house
45.00
32.86
37.14
14.47
39.17
57.84
21.58
55.70
25.00
5.00
37.50
30.09
65.00
70.00
31.00
11.25
34.69
8.84
3.82
9.38
40.00
48.75
51.26
19.12
11.11
33.56
100.00
50.51
25.00
27.08
72.41
33.28
46.99
75.00
100.00
97.86
97.14
93.71
98.33
99.02
97.84
98.73
100.00
95.00
70.00
95.87
100.00
100.00
48.24
93.75
72.45
81.22
98.73
58.13
68.13
90.00
51.96
75.12
84.26
78.77
100.00
95.96
98.31
67.92
100.00
79.89
72.77
80.00
Having electricity
Uninsured Households
Living in pucca
house
90
94.29
73.57
71.7
91.88
88.24
91.37
93.67
80
85
73.75
73.45
85
75
68.18
65
85.71
88.4
82.67
87.5
81.88
70
61.45
80.74
84.26
84.93
84.38
92.93
86.67
71.25
74.14
78.85
73.05
80
Living in nuclear
family
62
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
Living in pucca
house
75.57
86.77
80
95.11
90.57
87.62
75.51
89.08
91.96
87.1
88.4
67.09
56.23
79.85
73.5
56.07
72.86
49.32
6.85
54.56
94.29
35.71
85.48
72.84
74.29
82.86
79.8
66.81
67.76
69.45
63.41
84.29
78.57
61.43
Living in own
house
82.9
87.25
70
80.84
93.71
97.62
85.14
83.14
86.76
78.85
90.87
80.52
53.35
89.35
91.98
81.72
85.34
73.97
93.15
80.36
15.71
97.14
75.48
88.04
98.57
64.29
94.29
84.98
74.18
65.38
74.61
95.71
78.57
70.63
96.64
95.76
98.57
99.35
100
99.52
96.67
99.43
98.21
96.77
90
95.87
99.68
97.82
88.52
99.29
95.39
100
100
96.42
98.57
100
98.1
99.4
100
100
99.8
99
97.93
98.57
98.83
95.71
98.57
97.62
Having
electricity
Insured Households
75.84
69.53
85.71
85.95
90.57
70.48
65.67
83.43
78.93
65.23
54.13
77.77
84.35
81.36
77.94
63.57
75.14
83.56
91.78
86.61
75.71
72.86
66.67
68
61.43
74.29
66.67
68.96
91.32
93.08
87.5
92.11
97.14
92.05
Living in nuclear
family
Table S3.2b: Distribution of Households by Type of Dwelling Unit and Availability of Electricity Connection (Urban)
79.45
84.04
63.33
68.94
90
94.44
86.35
77.33
85.42
73.55
87.57
78.97
59.3
87.57
87.21
80
83.67
80.31
65.35
87.08
10
90
68.89
84.59
96.67
73.33
91.43
79.73
66.59
59.33
64.36
88.33
73.33
63.33
Living in own
house
56.47
74.74
80
91.67
78.67
64.44
59.61
84.67
83.33
79.34
73.37
32.33
9.3
43.24
44.11
35.83
53.06
7.09
4.72
14.17
86.67
16.67
48.6
60.77
90
90
63.81
52.82
59.36
56.94
61.17
78.33
66.67
50.74
Living in pucca
house
91.1
89.84
100
100
98.67
100
88.58
100
97.92
95.87
75.7
86.29
96.47
85.41
73.4
97.5
83.78
88.19
100
77.92
100
100
93.89
98.95
100
100
99.05
98.67
97.67
99.52
100
93.28
96.67
96.67
Having
electricity
Uninsured Households
81.34
75.75
80
85.61
91.33
84.44
71.31
84
84.17
76.03
64.13
83.85
86.05
87.03
83.5
78.33
77.85
94.49
90.24
92.5
76.67
70
68.89
75.31
63.33
70
72.86
78.74
93.15
95.22
89.89
90
86.67
95.93
Living in nuclear
family
63
All India
North Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
88.94
92.13
72.67
80.46
96.14
98.43
90.78
89.51
93.08
88.15
95.00
87.89
62.64
93.18
95.90
89.48
89.97
76.09
89.36
90.33
50.67
98.00
85.68
93.20
97.33
81.33
96.57
91.42
80.60
75.93
83.88
95.67
68.67
75.04
Living in own
house
64.71
74.90
87.33
96.54
75.47
76.51
59.58
87.30
72.17
72.12
78.98
58.04
44.46
70.14
63.15
44.83
66.67
44.57
7.45
46.46
80.00
20.67
76.73
57.10
74.67
83.33
64.38
46.49
58.46
69.63
49.35
70.38
64.00
51.60
Living in pucca
house
92.54
89.74
96.00
99.31
99.33
99.55
87.45
99.45
89.90
96.33
80.93
90.35
99.67
96.31
75.78
99.17
88.63
98.91
100.00
90.49
99.33
98.67
93.51
98.96
100.00
100.00
99.62
98.21
98.18
98.76
98.51
97.67
98.00
97.73
Having
electricity
Insured Households
74.21
68.54
91.33
85.22
88.02
71.36
69.52
78.07
78.25
60.93
52.83
75.10
84.44
81.41
70.89
59.33
78.36
83.70
93.68
82.99
71.33
71.33
63.38
66.01
64.00
72.00
64.63
66.64
91.13
93.48
84.90
95.00
96.00
92.43
Living in nuclear
family
84.87
88.41
68.00
71.95
91.16
94.67
88.15
86.47
91.00
83.08
91.53
85.65
74.23
89.43
91.52
86.50
87.30
89.29
77.98
91.75
40.00
92.00
77.99
89.01
94.00
84.00
93.71
85.43
72.17
67.52
73.09
89.95
74.00
66.10
Living in own
house
Table S3.2c: Distribution of Households by Type of Dwelling Unit and Availability of Electricity Connection (Rural+Urban)
47.10
63.87
78.00
93.29
67.47
48.67
46.58
79.32
66.00
67.16
64.54
26.47
10.31
38.97
38.83
26.00
45.71
8.12
4.23
12.25
62.00
12.00
45.17
49.34
80.00
82.00
53.14
39.57
51.89
57.23
44.34
69.35
58.00
44.63
86.57
83.16
92.00
100.00
97.59
99.33
80.30
100.00
86.00
93.53
66.22
81.33
89.64
82.48
63.31
96.00
79.27
84.09
99.30
70.00
100.00
98.00
86.54
97.80
100.00
100.00
98.29
96.96
97.92
99.36
99.08
95.45
98.00
97.07
Having
electricity
Uninsured Households
Living in pucca
house
80.34
74.69
80.00
85.37
91.97
85.33
71.29
79.70
83.25
73.63
63.06
82.48
85.05
86.10
77.37
73.00
80.97
90.91
86.08
90.50
78.00
76.00
70.38
74.62
72.00
72.00
73.14
76.30
92.68
92.93
90.52
91.46
88.00
95.37
Living in nuclear
family
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
APL
57.11
68.77
26.25
77.95
85.04
73.11
58.44
77.81
70.69
65.00
69.54
47.01
32.30
72.25
51.07
27.81
31.74
0.00
95.45
31.41
53.75
78.75
73.75
78.47
88.75
82.50
80.36
75.04
32.05
52.26
28.57
65.11
0.00
6.79
BPL
29.07
18.46
28.75
3.15
9.48
21.01
26.35
10.44
19.12
27.50
15.89
30.53
38.49
14.98
34.05
44.06
16.12
21.05
4.55
40.78
40.00
17.50
23.75
17.41
8.75
10.00
15.89
20.75
60.08
33.17
57.86
33.64
100
90.89
Antyodaya
2.48
3.33
1.25
0.00
0.75
5.46
3.23
0.00
0.47
1.88
6.66
2.46
1.03
3.30
1.89
1.56
6.05
0.00
0.00
1.88
0.00
3.75
2.19
1.18
0.00
1.25
0.89
1.56
1.41
0.75
4.29
0.00
0.00
0.00
Annapurna
0.22
0.15
0.00
0.00
0.50
0.00
0.31
0.00
0.00
0.00
0.14
0.26
1.03
0.66
0.25
0.00
0.00
0.00
0.00
0.16
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.47
1.26
0.18
0.00
0.00
0.54
Rural
No card
11.12
9.29
43.75
18.90
4.24
0.42
11.67
11.75
9.72
5.63
7.77
19.73
27.15
8.81
12.74
26.56
46.10
78.95
0.00
25.78
6.25
0.00
0.31
2.94
2.50
6.25
2.86
2.65
5.99
12.56
9.11
1.25
0.00
1.79
Rural Sub-total
50.98
53.76
53.33
29.36
53.40
53.13
53.30
52.32
53.33
53.35
53.42
50.76
48.26
52.30
53.23
53.33
53.40
20.65
23.16
53.33
53.33
53.33
43.24
50.59
53.33
53.33
53.33
47.84
49.19
44.77
52.28
53.41
53.33
47.06
APL
61.08
75.06
20.00
72.64
89.43
80.40
62.02
69.05
78.04
84.95
80.71
51.79
36.98
73.92
57.78
14.64
35.47
1.37
100
29.46
91.43
94.29
86.67
87.42
88.57
84.29
93.46
83.40
29.03
36.25
39.02
52.54
5.71
7.62
BPL
21.68
13.98
31.43
8.47
8.86
15.58
27.26
7.45
9.82
5.38
12.22
17.90
21.22
5.32
24.35
41.43
14.83
4.11
0.00
18.39
4.29
5.71
12.62
8.13
10.00
2.86
5.52
10.30
53.46
28.72
46.67
26.09
88.57
86.35
1.05
1.45
0.00
3.26
0.00
3.52
1.43
0.29
0.18
1.43
2.06
0.97
0.00
4.05
0.86
1.07
0.00
0.00
0.00
0.71
0.00
0.00
0.71
0.15
1.43
1.43
0.00
0.00
0.96
0.41
2.55
0.72
0.00
0.32
Antyodaya
Annapurna
0.21
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.08
0.46
0.32
0.25
0.43
0.00
1.45
0.00
0.00
0.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.35
1.43
0.00
0.00
0.00
0.00
Urban
No card
15.98
9.49
48.57
15.64
1.71
0.50
9.29
23.21
11.96
8.24
4.92
28.88
41.48
16.46
16.57
42.86
48.26
94.52
0.00
50.54
4.29
0.00
0.00
4.29
0.00
11.43
1.02
6.29
16.19
33.20
11.76
20.65
5.71
5.71
Urban Sub-total
49.02
46.24
46.67
70.64
46.60
46.88
46.70
47.68
46.67
46.65
46.58
49.24
51.74
47.70
46.77
46.67
46.60
79.35
76.84
46.67
46.67
46.67
56.76
49.41
46.67
46.67
46.67
52.16
50.81
55.23
47.72
46.59
46.67
52.94
APL
59.05
71.78
23.33
74.19
87.08
76.43
60.11
73.63
74.12
74.29
74.75
49.36
34.72
73.03
54.20
21.67
33.47
1.09
98.95
30.50
71.33
86.00
81.08
82.89
88.67
83.33
86.46
79.40
30.52
43.42
33.55
59.30
2.67
7.23
BPL
25.45
16.31
30.00
6.91
9.19
18.54
26.78
9.02
14.77
17.20
14.18
24.34
29.57
10.48
29.52
42.83
15.52
7.61
1.05
30.33
23.33
12.00
17.43
12.83
9.33
6.67
11.06
15.30
56.72
30.71
52.52
30.15
94.67
88.49
All (Rural+Urban)
1.78
2.43
0.67
2.30
0.40
4.58
2.39
0.14
0.33
1.67
4.52
1.73
0.50
3.65
1.41
1.33
3.24
0.00
0.00
1.33
0.00
2.00
1.35
0.67
0.67
1.33
0.48
0.75
1.18
0.56
3.46
0.34
0.00
0.17
Antyodaya
0.22
0.09
0.00
0.00
0.27
0.00
0.17
0.00
0.00
0.00
0.11
0.36
0.66
0.47
0.34
0.00
0.67
0.00
0.00
0.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.41
1.35
0.09
0.00
0.00
0.25
Annapurna
64
No card
13.50
9.38
46.00
16.59
3.06
0.46
10.56
17.21
10.77
6.84
6.44
24.22
34.55
12.37
14.53
34.17
47.10
91.30
0.00
37.33
5.33
0.00
0.14
3.61
1.33
8.67
2.00
4.55
11.17
23.96
10.37
10.22
2.67
3.87
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Total
65
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
APL
40.17
50.39
15.00
68.75
55.56
48.33
39.58
56.03
57.50
48.75
52.23
31.36
26.85
37.67
33.67
18.75
24.49
1.10
78.48
8.13
30.00
50.00
58.75
64.31
80.00
80.00
62.14
62.26
21.25
25.49
19.42
46.84
5.00
7.86
BPL
40.04
30.82
35.00
12.50
34.34
38.33
38.75
33.62
28.13
42.50
22.35
40.24
57.41
43.15
49.25
60.00
29.59
14.36
7.59
75.00
50.00
40.00
33.75
30.09
15.00
15.00
35.00
29.56
68.96
57.84
66.91
50.63
95.00
85.71
Antyodaya
5.53
7.98
0.00
0.00
1.01
13.33
8.33
0.86
0.00
3.75
16.76
6.00
0.93
10.96
3.02
5.00
7.14
0.00
13.92
7.50
5.00
10.00
5.00
1.18
0.00
5.00
0.00
1.89
1.46
0.00
4.32
0.00
0.00
0.71
Rural
Annapurna
0.40
0.09
0.00
0.00
0.00
0.00
0.42
0.00
0.00
0.00
0.00
0.56
1.85
1.37
0.00
1.25
0.00
0.00
0.00
1.25
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.04
4.90
0.00
0.00
0.00
0.00
No card
13.85
10.73
50.00
18.75
9.09
0.00
12.92
9.48
14.38
5.00
8.66
21.84
12.96
6.85
14.07
15.00
38.78
84.53
0.00
8.13
15.00
0.00
2.50
4.42
5.00
0.00
2.86
6.29
7.29
11.76
9.35
2.53
0.00
5.71
Rural Sub-total
40.41
40.81
40.00
19.51
39.76
40.00
40.07
43.61
40.00
39.91
39.80
44.31
55.38
43.98
40.28
40.00
39.76
58.77
55.44
40.00
40.00
40.00
30.77
37.25
40.00
40.00
40.00
34.57
37.01
32.80
42.51
39.70
40.00
34.15
APL
48.80
60.99
16.67
62.88
70.67
55.17
45.13
56.00
69.58
70.25
67.29
37.20
50.59
44.51
34.56
10.00
27.70
0.79
99.21
13.33
60.00
76.67
57.22
76.18
93.33
93.33
80.48
69.77
24.91
29.67
31.91
51.26
0.00
7.43
BPL
31.03
23.02
33.33
15.15
24.00
36.78
43.18
16.00
18.33
9.09
15.61
32.67
27.06
23.63
50.67
55.00
24.32
2.36
0.79
45.42
30.00
20.00
36.11
18.21
3.33
0.00
15.24
23.59
54.60
36.36
46.81
23.53
90.00
84.01
1.93
3.21
0.00
1.52
1.33
8.05
2.23
0.67
0.42
1.65
6.51
1.91
3.53
3.30
3.02
2.50
0.68
0.00
0.00
1.25
0.00
3.33
2.22
0.00
0.00
0.00
0.00
0.00
0.49
0.00
1.06
0.00
0.00
0.74
Antyodaya
Annapurna
0.36
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.19
0.64
0.00
1.65
0.34
0.00
2.03
0.00
0.00
1.25
0.00
0.00
0.00
0.18
0.00
0.00
0.48
0.00
0.61
1.91
0.00
0.00
0.00
0.37
No card
17.88
12.73
50.00
20.45
4.00
0.00
9.47
27.33
11.67
19.01
10.41
27.57
18.82
26.92
11.41
32.50
45.27
96.85
0.00
38.75
10.00
0.00
4.44
5.43
3.33
6.67
3.81
6.64
19.39
32.06
20.21
25.21
10.00
7.43
Urban Sub-total
59.59
59.19
60.00
80.49
60.24
60.00
59.93
56.39
60.00
60.09
60.20
55.69
44.62
56.02
59.72
60.00
60.24
41.23
44.56
60.00
60.00
60.00
69.23
62.75
60.00
60.00
60.00
65.43
62.99
67.20
57.49
60.30
60.00
65.85
APL
45.31
56.83
16.00
64.02
64.66
52.38
42.90
56.02
64.75
61.69
61.27
34.61
37.31
41.46
34.21
13.50
26.42
0.97
87.72
11.25
48.00
66.00
57.69
71.76
88.00
88.00
73.14
67.17
23.55
28.30
26.61
49.49
2.00
7.58
BPL
34.68
26.08
34.00
14.63
28.11
37.41
41.40
23.68
22.25
22.39
18.30
36.03
44.04
32.32
50.10
57.00
26.42
9.42
4.56
57.25
38.00
28.00
35.38
22.64
8.00
6.00
23.14
25.65
59.92
43.41
55.35
34.34
92.00
84.60
All (Rural+Urban)
3.39
5.08
0.00
1.22
1.20
10.20
4.67
0.75
0.25
2.49
10.60
3.73
2.07
6.71
3.02
3.50
3.25
0.00
7.72
3.75
2.00
6.00
3.08
0.44
0.00
2.00
0.00
0.65
0.85
0.00
2.45
0.00
0.00
0.73
Antyodaya
Urban
0.38
0.07
0.00
0.00
0.00
0.00
0.17
0.00
0.00
0.00
0.11
0.60
1.04
1.52
0.20
0.50
1.22
0.00
0.00
1.25
0.00
0.00
0.00
0.11
0.00
0.00
0.29
0.00
0.77
2.89
0.00
0.00
0.00
0.24
Annapurna
No card
16.25
11.94
50.00
20.12
6.02
0.00
10.85
19.55
12.75
13.43
9.71
25.03
15.54
17.99
12.47
25.50
42.68
89.61
0.00
26.50
12.00
0.00
3.85
5.05
4.00
4.00
3.43
6.52
14.90
25.40
15.60
16.16
6.00
6.85
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Total
All India
North Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State/UT
APL
53.33
65.04
24.00
76.10
79.20
68.12
54.67
72.75
68.05
61.75
66.09
42.82
30.83
63.83
47.58
26.00
30.30
1.00
80.56
26.75
49.00
73.00
70.75
75.65
87.00
82.00
76.71
72.50
29.89
46.80
26.75
61.50
1.00
7.00
BPL
31.51
20.96
30.00
5.03
14.40
24.50
28.83
15.83
20.93
30.50
17.18
33.13
43.61
21.83
37.10
47.25
18.79
15.00
7.22
47.63
42.00
22.00
25.75
19.94
10.00
11.00
19.71
22.50
61.86
38.20
59.66
37.00
99.00
89.86
Antyodaya
3.16
4.28
1.00
0.00
0.80
7.05
4.25
0.20
0.38
2.25
8.67
3.41
1.00
5.17
2.12
2.25
6.26
0.00
12.22
3.00
1.00
5.00
2.75
1.18
0.00
2.00
0.71
1.63
1.42
0.60
4.29
0.00
0.00
0.14
Rural
Annapurna
0.26
0.14
0.00
0.00
0.40
0.00
0.33
0.00
0.00
0.00
0.11
0.34
1.25
0.83
0.20
0.25
0.00
0.00
0.00
0.38
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.58
2.00
0.14
0.00
0.00
0.43
No card
11.73
9.58
45.00
18.87
5.20
0.34
11.92
11.22
10.65
5.50
7.95
20.30
23.31
8.33
13.00
24.25
44.65
84.00
0.00
22.25
8.00
0.00
0.75
3.24
3.00
5.00
2.86
3.38
6.25
12.40
9.16
1.50
0.00
2.57
Rural Sub-total
48.17
50.52
50.00
26.67
50.00
49.83
50.00
50.00
50.00
50.00
50.00
48.85
50.00
50.00
50.00
50.00
50.00
50.00
47.37
50.00
50.00
50.00
40.00
47.22
50.00
50.00
50.00
44.44
46.15
41.67
50.00
50.00
50.00
43.75
APL
57.33
70.84
19.00
69.70
83.80
72.73
56.96
65.13
75.50
80.50
76.70
47.09
39.90
64.64
50.81
13.25
33.13
1.00
99.50
24.63
82.00
89.00
77.83
84.04
90.00
87.00
89.56
79.30
27.83
34.29
37.11
52.15
4.00
7.56
BPL
24.54
16.69
32.00
10.48
13.40
22.03
32.03
10.02
12.38
6.50
13.24
22.67
22.47
11.09
32.26
45.50
17.68
3.00
0.50
26.50
12.00
10.00
19.67
11.16
8.00
2.00
8.44
14.30
53.80
31.00
46.70
25.32
89.00
85.65
1.32
1.98
0.00
2.73
0.40
4.90
1.67
0.40
0.25
1.50
3.39
1.28
0.76
3.81
1.51
1.50
0.20
0.00
0.00
0.88
0.00
1.00
1.17
0.11
1.00
1.00
0.00
0.00
0.82
0.29
2.15
0.51
0.00
0.44
Antyodaya
Annapurna
0.26
0.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.11
0.51
0.25
0.69
0.40
0.00
1.63
0.00
0.00
1.00
0.00
0.00
0.00
0.05
0.00
0.00
0.14
0.00
0.43
1.57
0.00
0.00
0.00
0.11
Urban
No card
16.56
10.46
49.00
17.08
2.40
0.35
9.34
24.45
11.88
11.50
6.56
28.45
36.62
19.76
15.02
39.75
47.36
96.00
0.00
47.00
6.00
0.00
1.33
4.63
1.00
10.00
1.86
6.40
17.12
32.86
14.04
22.03
7.00
6.23
Urban Sub-total
51.83
49.48
50.00
73.33
50.00
50.17
50.00
50.00
50.00
50.00
50.00
51.15
50.00
50.00
50.00
50.00
50.00
50.00
52.63
50.00
50.00
50.00
60.00
52.78
50.00
50.00
50.00
55.56
53.85
58.33
50.00
50.00
50.00
56.25
APL
55.40
68.01
21.50
71.40
81.50
70.38
55.81
68.94
71.78
71.13
71.39
45.00
35.35
64.23
49.19
19.63
31.71
1.00
90.53
25.69
65.50
81.00
75.00
80.08
88.50
84.50
83.13
76.28
28.78
39.50
31.93
56.86
2.50
7.32
BPL
27.90
18.78
31.00
9.03
13.90
23.29
30.43
12.93
16.65
18.50
15.21
27.80
33.08
16.57
34.68
46.38
18.24
9.00
3.68
37.06
27.00
16.00
22.10
15.31
9.00
6.50
14.08
17.94
57.52
34.00
53.19
31.19
94.00
87.49
All (Rural+Urban)
2.21
3.10
0.50
2.01
0.60
5.99
2.96
0.30
0.31
1.88
6.03
2.32
0.88
4.50
1.81
1.88
3.24
0.00
5.79
1.94
0.50
3.00
1.80
0.61
0.50
1.50
0.36
0.72
1.10
0.42
3.22
0.25
0.00
0.31
Antyodaya
0.26
0.08
0.00
0.00
0.20
0.00
0.17
0.00
0.00
0.00
0.11
0.43
0.75
0.76
0.30
0.13
0.81
0.00
0.00
0.69
0.00
0.00
0.00
0.03
0.00
0.00
0.07
0.00
0.50
1.75
0.07
0.00
0.00
0.25
Annapurna
66
No card
14.23
10.03
47.00
17.56
3.80
0.34
10.63
17.84
11.26
8.50
7.26
24.46
29.94
13.93
14.01
32.00
46.00
90.00
0.00
34.63
7.00
0.00
1.10
3.97
2.00
7.50
2.36
5.06
12.10
24.33
11.60
11.70
3.50
4.63
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Total
67
43.0
65.8
77.9
56.3
86.8
8.3
31.4
45.8
0.0
4.6
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
71.1
68.8
17.9
19.9
76.4
12.7
Gujarat
South Region
100.0
1.3
Goa
Maharashtra
71.3
6.6
West Bengal
75.0
43.8
Tripura
15.4
87.5
56.6
1.3
Sikkim
27.5
72.3
98.8
16.9
Orissa
100.0
63.6
Mizoram
West Region
89.5
5.3
Meghalaya
49.7
Bihar
71.8
74.9
50.7
26.4
Assam
81.6
58.2
42.5
Arunachal Pradesh
9.4
67.0
28.8
East Region
34.2
23.4
22.5
Uttarakhand
Jharkhand
48.7
Chhattisgarh
45.8
4.4
91.4
27.1
Punjab
23.6
27.6
11.5
Madhya Pradesh
Uttar Pradesh
89.1
Rajasthan
98.0
8.2
88.3
5.5
Delhi
21.4
100.0
68.8
Chandigarh
Himachal Pradesh
54.1
Haryana
63.0
21.1
17.4
Radio/Transistor
North Region
Television
All India
State/UT
Newspaper
8.6
15.0
43.3
54.5
28.4
32.2
37.9
46.1
38.8
51.3
42.1
25.6
60.0
36.3
22.7
59.1
73.7
29.9
27.2
36.0
48.0
16.1
31.8
2.5
36.5
24.5
49.2
8.4
43.7
60.8
32.0
48.8
30.2
32.5
Magazines
0.7
7.5
2.5
7.5
20.9
7.4
1.4
1.3
0.0
1.3
1.2
0.3
1.3
1.3
4.1
0.0
15.8
3.2
1.9
3.5
4.6
1.7
3.1
0.3
1.2
0.5
2.6
0.6
1.3
9.0
3.1
0.0
1.8
3.1
1.1
Internet
0.7
2.5
8.1
1.8
2.5
2.7
0.5
0.4
0.0
8.8
0.9
0.0
0.0
0.0
0.5
0.0
0.0
2.2
0.3
0.8
0.4
2.1
0.8
0.0
0.0
0.0
4.2
0.2
2.5
2.2
3.1
1.3
0.8
Bazaar/Local
people
0.9
8.8
0.9
14.6
35.2
12.3
20.7
21.1
8.8
30.0
20.7
85.0
38.8
62.5
32.5
0.0
42.1
11.2
40.6
16.6
35.5
50.3
34.6
37.8
50.1
59.4
13.5
57.0
13.9
9.7
17.2
1.3
41.7
32.0
47.4
Relative/Friends/
Neighbours
18.2
65.0
25.5
59.5
53.3
40.7
67.4
72.5
86.3
57.5
70.0
73.8
32.5
62.5
69.8
40.9
47.4
18.7
60.0
31.4
23.8
43.5
44.6
46.6
39.1
58.4
49.2
64.2
11.8
39.7
5.5
13.8
45.7
Panchayat
4.8
10.0
5.0
5.5
14.3
7.2
7.6
3.2
0.0
7.5
5.4
0.9
1.3
15.0
0.5
0.0
0.0
15.2
31.6
17.3
22.9
2.4
12.5
40.9
5.6
8.8
23.2
33.2
63.4
0.7
0.8
0.0
18.1
13.0
1.9
0.2
0.0
1.2
0.2
15.8
3.6
1.7
2.0
0.0
0.0
1.6
0.3
0.0
0.0
0.8
0.0
0.0
1.5
6.9
2.6
0.9
8.9
2.5
1.3
0.1
0.6
1.3
0.6
0.8
3.0
0.0
0.0
0.8
8.5
Banners/Hoardin
gs
0.2
0.0
0.0
0.2
16.1
3.4
8.6
18.0
35.0
8.8
14.0
0.0
1.3
1.3
13.0
0.0
0.0
0.7
3.8
3.1
4.4
31.5
6.9
7.8
3.8
1.7
0.0
0.0
0.0
0.2
18.6
3.9
0.8
0.4
1.3
0.0
0.6
0.0
7.5
0.0
1.9
0.0
0.0
0.8
6.3
0.5
0.0
0.0
1.4
0.3
0.6
10.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.5
0.0
0.1
0.0
2.5
22.5
6.4
0.0
0.0
0.8
0.0
0.0
0.0
1.5
0.3
0.0
0.0
0.7
0.6
0.5
1.6
0.0
0.8
1.1
1.9
0.0
0.6
1.3
0.2
1.1
0.0
0.2
0.4
15.8
2.4
0.0
0.0
1.4
0.8
0.1
0.4
0.0
0.0
1.6
0.0
0.0
0.0
0.4
0.3
Others
0.3
None
0.9
5.9
15.1
3.0
3.8
0.8
1.7
0.8
8.1
14.8
8.1
7.6
0.0
0.0
0.0
2.9
2.8
Rural knowledge
hub
6.9
5.9
26.4
57.8
5.0
10.2
14.0
Radio/Transistor
3.0
30.0
17.1
32.0
12.8
15.9
15.5
4.9
0.0
25.7
11.3
5.7
5.7
5.7
5.0
82.2
1.4
20.3
7.1
18.5
30.2
44.1
18.2
2.2
8.9
10.7
28.3
0.8
8.6
5.4
34.7
40.0
10.8
80.1
Television
81.2
91.3
97.1
64.6
59.0
65.6
73.0
79.7
83.1
98.6
65.7
10.8
52.9
29.3
51.2
46.2
34.1
59.7
55.9
38.6
47.1
56.5
51.4
62.9
81.0
97.1
42.0
50.0
98.6
80.9
95.9
86.3
95.9
100.0
51.1
51.4
45.0
60.1
39.3
50.3
15.8
51.8
57.7
38.0
30.8
84.8
64.3
46.4
50.0
47.1
46.9
Newspaper
82.9
95.4
76.5
85.7
75.7
83.0
64.5
74.8
87.7
81.1
74.9
94.3
98.0
91.2
97.1
80.8
Magazines
1.1
5.7
6.8
5.9
14.5
6.6
7.4
6.9
0.0
7.1
6.8
3.1
7.1
2.9
5.5
0.0
16.4
8.6
5.4
7.4
7.5
2.6
6.0
0.4
2.1
3.0
7.7
2.1
13.8
8.6
2.6
1.4
3.7
5.3
Internet
7.1
2.7
17.1
4.3
3.1
6.1
4.4
4.6
0.6
0.0
8.6
3.1
2.4
2.9
2.9
1.8
0.0
15.1
2.9
3.2
2.8
3.4
1.6
2.8
0.4
0.6
1.3
10.3
1.3
9.5
1.1
0.0
2.1
12.5
29.7
11.2
9.6
12.4
12.9
14.3
11.1
57.6
17.1
55.7
25.7
0.0
5.5
25.4
41.4
16.5
25.6
40.6
29.9
38.4
35.1
35.5
24.0
52.1
29.0
6.6
8.8
1.4
4.5
4.3
25.3
32.7
3.2
Bazaar/Local
people
3.0
11.9
22.9
28.6
56.3
51.9
36.0
58.8
61.6
85.7
68.6
61.8
59.8
30.0
61.4
72.5
1.4
67.1
30.6
54.6
16.8
22.9
31.9
40.4
43.0
36.2
45.4
49.1
48.3
14.3
40.0
9.4
34.3
38.6
41.5
Urban
Relative/Friends/
Neighbours
0.3
1.4
12.9
2.1
2.9
3.2
0.1
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.4
0.0
1.4
5.7
0.0
0.7
1.9
1.9
1.3
0.0
0.3
0.5
10.0
0.4
0.5
0.6
0.0
0.0
1.1
1.4
12.3
0.0
14.3
0.0
0.3
0.0
2.5
0.6
6.1
2.1
0.4
0.2
0.0
0.0
0.3
0.2
1.4
0.0
0.2
0.0
0.6
0.0
0.0
0.6
24.4
6.4
13.7
21.6
44.3
11.4
18.1
9.0
0.0
1.4
15.5
0.0
1.4
1.4
0.0
0.0
0.0
0.0
7.1
1.8
0.0
0.0
0.0
0.0
0.0
0.0
8.6
0.0
0.7
0.0
0.0
0.7
0.0
3.1
0.1
0.0
3.2
0.7
0.7
0.0
0.2
2.3
0.2
0.0
0.0
0.0
9.3
1.0
12.3
25.2
9.1
16.8
4.0
17.5
22.6
14.3
20.0
29.1
39.6
0.3
0.7
Rural
knowledge hub
1.7
1.4
0.6
0.5
2.9
0.9
0.4
0.1
0.2
13.4
0.1
1.4
0.6
0.0
15.9
1.2
1.3
Panchayat
Rural
Banners/Hoardin
gs
Table S3.4a: Distribution of Households by Major Source of Information to Households (Insured) (Percentage)
2.4
Others
0.0
0.0
0.0
0.4
0.4
0.2
14.3
3.1
0.0
30.0
10.2
0.0
12.9
0.0
0.0
0.0
0.0
0.6
0.4
0.3
2.4
21.4
2.7
0.0
0.0
1.4
0.9
0.4
0.5
0.6
2.3
1.4
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.0
0.3
0.0
0.3
0.0
0.0
0.1
0.4
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.1
None
All India
North Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State / UT
Radio/
Transistor
17.6
14.2
55.3
26.1
6.9
15.4
6.5
27.7
7.3
16.8
13.0
23.6
43.3
28.2
35.1
8.3
27.7
2.2
77.9
11.3
3.3
26.0
6.1
13.3
26.7
0.7
9.0
16.6
17.9
10.8
31.7
32.4
14.0
3.8
Television
71.4
66.9
98.7
90.4
98.0
91.5
49.7
86.5
65.3
60.9
42.6
74.9
67.3
80.1
62.8
88.0
77.0
94.6
100.0
76.3
98.7
92.0
70.4
78.1
68.7
99.3
79.5
75.6
70.9
55.5
62.5
71.7
75.3
89.2
Newspaper
39.5
38.3
49.3
42.2
62.5
62.9
18.9
43.9
40.0
43.6
8.7
41.0
28.1
53.8
40.2
38.5
39.8
83.7
87.4
31.7
42.7
61.3
40.3
49.2
49.3
38.7
50.7
49.3
33.2
38.2
52.9
36.8
32.7
9.7
Magazines
4.2
2.7
0.7
2.8
8.8
7.1
1.3
5.0
1.7
1.7
0.3
4.5
2.1
6.0
5.3
3.5
5.7
16.3
0.0
4.8
2.0
4.0
1.9
4.0
4.0
0.0
3.9
4.6
7.0
17.3
6.7
4.5
6.7
0.9
2.1
1.8
2.7
4.1
4.5
5.8
0.7
7.1
0.6
0.3
0.2
1.8
1.8
1.8
1.7
1.7
2.5
12.0
0.0
1.1
1.3
1.3
1.4
2.0
8.7
0.0
0.5
2.6
3.6
4.5
2.4
6.3
9.3
1.8
Internet
28.7
37.4
1.3
11.2
8.3
21.0
54.7
18.5
48.3
43.1
38.1
32.3
45.3
30.8
16.6
41.0
17.8
13.0
0.0
29.3
59.3
28.7
69.5
15.9
22.7
10.7
17.0
14.9
11.8
32.2
13.6
1.5
4.7
1.0
Bazaar/
Local
people
Table S3.4b: Distribution of Households by Major Source of Information to Households (Insured) (Percentage)
44.5
42.3
23.3
8.3
39.8
12.9
56.7
49.2
52.3
37.7
44.9
42.6
37.5
23.4
24.6
57.5
24.2
63.0
10.5
71.1
62.0
31.3
65.8
65.9
62.7
86.0
67.4
62.9
38.3
52.5
58.0
27.0
45.3
14.9
Fair Price
shop (FPS)
68
Relative/
Friends/
Neighbours
7.3
10.0
0.0
0.2
0.7
33.9
17.9
16.9
4.9
3.1
21.9
7.0
2.1
12.9
9.5
16.8
10.8
1.1
0.0
0.4
8.0
0.7
0.4
2.8
4.0
0.0
1.8
3.7
5.2
8.0
3.9
8.7
6.0
2.4
Panchayat
1.5
1.0
0.0
0.0
1.9
1.1
0.4
7.1
0.4
0.1
0.8
1.7
5.8
0.7
1.7
4.3
1.6
1.1
0.0
0.5
0.0
0.7
0.3
1.0
0.0
0.0
1.1
1.0
2.8
10.5
0.4
1.8
0.0
0.3
Banners/
Hoardings
10.4
12.9
9.3
45.0
27.7
12.5
10.3
15.0
16.1
3.9
12.0
8.0
28.3
8.2
2.1
6.3
1.9
1.1
0.0
14.2
1.3
0.7
5.1
16.1
10.0
39.3
19.7
11.3
4.9
20.7
0.4
0.0
0.0
0.4
Rural
knowledge
hub
1.8
1.7
0.0
0.0
0.0
4.0
4.4
1.5
1.0
0.4
2.3
1.9
8.9
3.1
0.5
1.2
0.3
0.0
0.0
1.3
0.0
8.0
0.0
0.3
0.0
0.7
0.2
0.4
2.8
12.3
0.1
0.0
0.0
0.0
Others
2.0
0.5
0.7
2.1
0.3
0.4
0.2
0.8
1.4
0.0
0.0
2.5
18.7
1.7
1.1
0.5
0.7
0.0
0.0
0.4
0.0
9.3
0.0
8.3
26.0
0.0
1.7
12.4
0.4
0.3
0.9
0.0
0.0
0.3
0.2
0.2
0.0
0.0
0.0
0.2
0.2
0.0
0.6
0.1
0.8
0.4
0.0
0.0
0.5
0.2
0.9
0.0
0.0
0.5
0.0
1.3
0.0
0.0
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
None
69
75.00
12.50
Delhi
25.00 13.75
26.26 27.37
7.50
45.57 30.33
25.00
43.84 30.82
24.38 26.37
3.75
23.46
16.25
34.88
45.37
28.77
52.24
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
49.72 62.98
91.77 67.09
41.25
95.00 15.00
65.00 45.00
37.50 12.50
14.92
70.89
21.25
0.00
40.00
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
57.23 20.13
1.54
Magazines
Bazaar/
Local people
Internet
0.49 34.32 51.53 13.35
Panchayat
5.00
6.25
10.00
8.33
0.00
15.00 71.67
1.01
0.00
4.19
8.13
0.93
9.09
0.00
26.58
0.00
1.25
0.63
0.63
0.00
1.66
2.02
6.25
1.49
2.05
7.41
2.15
1.25
0.00
0.63
1.72
1.25
0.00
3.03
3.13
0.00
0.94
1.88
Fair price
shop (FPS)
3.57
0.00
0.00
0.00
2.71
2.50
1.40
5.00
0.00
7.92
6.67
0.00
0.00
0.00
70.89 44.30
82.86 10.71
7.14
Tamil Nadu
0.71
6.33
0.00
1.27
0.71
0.00
0.00
17.86
4.29
55.00 15.00
22.78 11.39
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5.00
0.00
0.00
5.00
0.00
49.37
0.72
Pondicherry
3.54
1.26
0.71
0.00
0.00
0.88
Kerala
0.00
0.00
0.00
1.66
0.00
0.00
1.00
0.68
0.00
0.00
0.00
0.72
0.98
0.42
10.06
0.71
0.00
20.00
6.19
0.00
10.00 15.00
0.00
2.50
0.00
0.00
0.00
2.50
2.99
3.42
53.96 39.57
3.96
11.32
14.29
20.00
15.00
13.27
0.00
5.00
0.00
8.75
0.00
1.10
1.01
10.00
1.00
2.74
30.39 28.43 10.78 0.98 34.31 45.10 16.67 17.65 18.63 15.69
5.04
2.23
0.00
0.00
1.25
0.00
0.42
0.00
0.00
0.00
0.00
0.26
1.67
Others
3.43
12.50
4.47
18.75
6.03
7.50
1.67
26.26
62.50
2.84
3.26
9.80
3.96
1.26
2.86
0.00
0.00
1.77
0.00
0.00
7.26
10.99
29.50
5.00
0.00
0.00
0.00
28.28 23.23
0.00
0.00
3.13 21.88
0.00
Banners/
Hoardings
Karnataka
5.42
0.63
1.43
0.00
5.00
1.18
0.00
0.00
0.00
0.00
0.00
1.66
0.00
0.00
2.49
2.05
0.93
0.96
0.00
0.00
0.00
0.00
0.00
6.67
4.04
0.00
0.00
0.69
Rural
knowledge
hub
Andhra Pradesh
59.38 29.58
Gujarat
13.84
38.57 20.00
8.57
Goa
21.04
85.00 30.00
0.00
South Region
60.00 40.00
20.00
West Region
Maharashtra
51.33 21.83
12.50
11.21
West Bengal
8.13
30.30 12.12
Jharkhand
6.25
47.50
3.75
47.47
Chhattisgarh
9.26
1.25
86.21 37.93
0.83
10.42
8.75
20.69
Punjab
58.33 30.00
Himachal Pradesh
Madhya Pradesh
88.89 50.51
7.07
33.33
Haryana
9.38
95.00 25.00
65.00
Chandigarh
45.13 25.92
37.00 20.86
23.73
Television
16.48
All India
Newspaper
North Region
Radio/
Transistor
State/UT
Relative/Friends
/Neighbours
0.80
None
0.00
0.00
0.00
0.72
0.00
0.21
0.63
0.71
0.00
0.00
0.59
0.00
0.00
0.00
1.25
0.00
0.00
3.03
0.00
1.99
0.68
2.78
1.04
6.25
0.56
0.63
0.00
0.83
0.00
0.00
0.00
0.00
0.86
15.79
Radio/
Transistor
3.33
26.67
15.83
38.83
17.22
17.75
17.28
4.76
0.00
30.00
12.43
9.44
10.00
0.00
6.67
71.65
8.66
27.33
9.17
22.48
32.26
25.29
21.52
0.00
10.76
8.33
25.33
2.51
17.78
4.00
34.09
23.33
10.99
65.92
Televis ion
77.95
27.33
19.17
24.16
39.25
19.54
33.84
5.79
38.78
41.67
32.00
17.55
64.44
53.33
29.55
30.00
33.85
34.75
Newspaper
94.44
93.33
68.33
62.23
61.72
74.79
69.44
72.86
96.67
80.00
72.68
61.67
80.00
93.33
46.67
9.63
66.67
32.50
53.72
37.80
32.44
48.50
35.24
33.33
60.00
43.43
13.33
46.67
23.33
15.00
100.00 100.00
72.44
60.00
74.17
46.64
62.90
25.29
60.38
50.41
53.06
70.00
72.67
53.76
84.44
91.33
85.61
90.00
64.61
2.93
Magazines
0.74
6.67
7.50
4.79
11.96
5.75
3.99
6.67
0.00
3.33
4.73
0.00
0.00
0.00
0.83
0.00
2.36
3.33
2.50
1.01
3.23
4.60
1.65
0.00
0.74
1.25
6.00
2.51
3.33
7.33
0.76
0.00
2.21
1.51
Internet
2.22
20.00
5.83
3.19
0.48
3.18
1.00
0.00
0.00
0.00
0.53
0.56
0.00
0.00
0.00
0.00
2.36
2.67
3.33
1.34
0.54
0.00
1.08
0.00
0.74
0.42
8.00
0.00
0.00
1.33
3.03
10.00
1.44
Urban
13.33
2.22
Relative/Friends
/Neighbours
0.84
4.44
2.00
0.00
0.00
2.37
0.28
3.33
1.33
0.00
0.00
1.82
1.78
Panchayat
2.10
0.00
0.37
1.67
2.22
0.83
0.00
0.00
0.79
76.67
1.11
6.67
0.83
1.60
5.74
3.67
0.00
0.00
0.00
0.00
0.00
0.00
6.67
0.00
0.42
0.00
0.00
5.33
0.00
0.00
5.38
0.00
0.74
10.00
13.70
34.17 10.83
12.23 54.79
28.71 57.89
10.89 37.33
17.61 59.80
21.90 63.81
6.67
10.00 66.67
18.21 62.52
80.00 70.00
33.33 40.00
93.33 83.33
45.42 80.00
0.00
17.32 75.59
26.67 38.00
48.33 64.17
29.19 35.23
41.40 32.26
0.00
0.00
4.17
0.53
4.31
1.84
0.00
0.95
0.00
0.00
0.35
0.00
6.67
0.00
0.00
0.00
0.79
0.00
7.50
2.01
0.54
39.37 50.86
52.07 38.84
43.41 39.33
45.83 48.33
60.72 56.55
50.00 16.67
12.67 39.33
10.61 13.64
0.00
40.70 41.97
32.47 46.56
Bazaar/Local
people
Rural
Fair price
shop (FPS)
Table S3.4c: Distribution of Households by Major Source of Information to Households (Uninsured) (Percentage)
Banners/
Hoardings
10.37 0.52
Rural
knowledge
hub
0.00
0.28
0.00
0.44
0.00
2.10
0.00
0.00
1.25
0.00
0.00
1.11
0.00
2.27
3.33
0.44
1.30
Others
0.00
0.00
0.00
0.00
1.10
0.37
3.33
0.00
0.53
0.00
0.00
0.00
0.00
22.01 4.31
6.00
11.96
23.33 0.00
53.33 0.00
6.67
0.00
0.00
0.00
0.79
1.33
0.00
0.34
2.69
0.00
0.00
0.00
0.00
0.96
0.24
4.65
2.38
0.00
0.00
3.33
0.00
3.33 20.00
0.00
1.25
0.00
0.00
0.00
18.04 0.00
0.56
3.33
0.00
9.58
0.00
0.00
7.33
15.00 0.83
0.34
13.98 0.54
7.62
7.44
5.94
12.92 0.42
17.33 4.67
6.96
12.22 0.00
27.33 0.00
34.85 0.00
6.67
12.31 0.50
0.00
0.00
0.00
0.00
0.00
0.00
0.66
0.00
0.00
0.00
0.35
0.00
0.00
0.00
1.67
0.00
0.00
1.33
0.83
0.34
0.54
0.00
0.57
4.13
0.37
0.00
0.00
1.67
0.00
0.00
2.27
0.00
0.88
0.57
None
70
All India
North Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State / UT
19.00
13.14
40.00
29.88
5.22
24.00
5.01
23.31
6.50
15.83
6.47
27.44
36.41
30.72
34.47
7.00
35.34
12.34
71.23
12.50
0.00
22.00
10.38
11.98
26.00
0.00
6.29
16.09
18.97
14.79
34.86
29.15
18.00
4.63
57.52
53.80
92.00
83.54
90.36
74.00
36.39
78.57
52.00
42.36
33.33
53.82
25.13
54.52
37.68
63.50
48.19
59.09
95.44
44.50
94.00
74.00
54.23
64.73
72.00
92.00
59.14
65.22
69.08
51.45
58.72
69.35
70.00
90.49
31.18
28.76
28.00
25.61
52.21
50.67
10.85
34.59
30.50
34.23
3.98
32.28
13.85
35.54
25.05
14.00
21.29
69.16
81.75
12.25
20.00
46.00
13.08
35.38
52.00
32.00
29.14
38.70
31.38
34.73
47.71
37.19
56.00
10.00
2.37
1.61
0.00
0.61
6.02
4.67
1.50
3.38
0.75
0.45
0.00
1.34
2.56
2.71
1.60
1.50
2.01
1.95
0.00
0.50
0.00
0.00
0.00
3.41
4.00
0.00
4.57
2.83
5.63
11.58
4.89
7.04
8.00
0.73
1.10
0.94
6.00
3.05
0.80
0.00
0.00
4.89
0.25
0.45
0.00
7.36
0.00
0.60
0.80
2.00
1.61
1.62
0.00
47.00
0.00
0.00
0.38
0.33
0.00
0.00
0.00
0.65
2.85
0.64
4.28
4.02
14.00
1.46
Internet
33.22
42.27
2.00
12.80
12.85
33.33
61.10
19.17
53.75
48.72
42.29
41.62
53.85
42.17
25.25
49.50
19.68
24.35
0.00
76.25
80.00
42.00
83.46
21.43
20.00
14.00
23.71
20.65
11.41
30.55
14.07
0.50
4.00
0.98
Bazaar/
Local
people
48.57
45.26
12.00
12.20
42.97
16.00
61.10
56.02
53.00
43.03
38.31
40.17
61.03
30.12
34.27
71.50
34.14
75.00
15.09
0.75
84.00
40.00
68.85
67.03
66.00
84.00
70.86
62.39
38.24
53.70
59.33
29.65
28.00
15.12
Fair price
shop (FPS)
6.72
8.77
0.00
0.00
1.61
31.33
14.36
19.92
4.25
1.90
18.41
6.05
6.67
13.55
9.02
14.50
12.45
0.00
0.35
0.25
4.00
6.00
0.38
2.53
4.00
0.00
1.43
3.48
6.25
9.32
5.81
11.06
6.00
1.95
1.82
1.48
0.00
0.61
2.01
2.00
0.67
10.53
0.25
0.00
1.00
3.39
12.31
1.20
1.80
7.00
0.80
1.30
0.00
9.25
0.00
4.00
0.00
0.88
0.00
0.00
1.71
0.43
2.62
8.68
0.61
2.51
0.00
0.00
9.11
11.79
4.00
40.24
26.91
8.00
7.18
12.41
15.25
5.35
9.45
4.70
25.64
9.04
0.60
13.00
4.82
0.65
0.00
1.75
0.00
4.00
0.38
16.26
10.00
40.00
19.71
11.74
5.24
20.90
0.31
0.00
2.00
0.24
1.46
1.58
0.00
0.00
0.00
2.67
3.34
2.63
2.25
0.56
1.00
1.20
8.21
1.81
1.20
1.50
0.00
0.00
0.00
0.00
0.00
6.00
0.00
0.33
0.00
0.00
0.29
0.43
2.00
8.04
0.00
0.00
2.00
0.00
Rural
Relative/ Panchayat Banners/
Hoardings knowledge
Friends/
hub
Neighbours
Table S3.4d: Distribution of Households by Major Source of Information to Households (Uninsured) (Percentage)
1.45
0.37
2.00
1.83
0.00
0.67
0.17
0.00
1.25
0.00
0.00
2.37
18.97
1.81
0.60
0.00
0.80
1.30
0.00
1.50
0.00
18.00
0.00
4.40
8.00
0.00
1.71
6.52
0.31
0.96
0.31
0.00
0.00
0.00
Others
0.66
0.87
0.00
1.83
0.00
0.00
1.34
0.00
0.25
0.45
4.98
0.57
1.54
0.60
1.00
0.50
2.01
0.00
0.00
0.00
0.00
0.00
0.00
0.44
0.00
0.00
0.29
0.65
0.08
0.00
0.31
0.00
0.00
0.00
None
71
50.63
17.25
68.00
6.88
8.00
23.83
10.92
25.60
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
61.26
67.33
83.00
52.75
70.29
14.00
70.00
17.75
1.00
43.00
7.75
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
74.75
76.50
52.00
86.00
46.50
1.00
5.14
Pondicherry
Tamil Nadu
63.43
Kerala
40.40
8.60
31.00
Karnataka
66.92
Southern Region
Andhra Pradesh
68.38
17.13
20.13
Maharashtra
68.86
97.00
1.00
11.86
Gujarat
Goa
69.00
14.53
26.00
Western Region
98.00
66.13
92.78
53.50
63.60
8.25
36.80
45.40
Jharkhand
Bihar
49.25
Chhattisgarh
27.00
50.20
Assam
30.45
43.25
Arunachal Pradesh
21.25
Uttarakhand
Eastern Region
20.25
23.61
Uttar Pradesh
44.22
4.25
Rajasthan
41.63
90.20
24.17
82.89
96.20
85.63
99.00
59.04
21.65
Radio/Transistor
Northern Region
Television
All India
State / UT
31.02
Newspaper
9.00
20.00
43.50
51.57
28.40
31.67
34.38
40.86
37.00
49.00
38.06
23.00
57.00
32.00
19.75
66.11
64.00
26.40
23.00
34.10
43.83
14.25
31.43
2.25
34.67
22.38
46.60
6.92
40.94
58.80
27.50
44.00
28.34
Magazines
0.71
8.00
3.25
7.00
18.80
7.04
1.25
1.29
0.00
2.00
1.24
0.25
1.00
1.00
3.25
0.00
3.00
2.60
1.50
3.30
4.00
1.50
2.50
0.25
1.00
0.38
2.00
0.50
2.35
8.00
2.50
0.00
1.55
2.72
1.00
Internet
0.57
3.00
6.75
2.57
2.20
2.63
0.38
0.29
0.00
7.00
0.71
0.00
0.00
0.00
0.38
0.00
1.00
1.80
0.25
0.60
0.50
1.50
0.64
0.00
0.00
0.00
3.40
0.17
2.01
1.80
3.13
1.00
0.69
Bazaar/Local people
0.86
7.00
0.75
15.00
35.00
12.33
21.88
22.14
12.00
31.00
21.94
86.25
42.00
62.00
35.88
0.00
30.50
10.80
42.75
17.20
37.33
51.75
34.72
35.75
51.39
60.63
13.80
57.92
12.75
10.40
18.13
2.00
42.34
32.55
18.14
63.00
25.00
60.71
51.60
40.54
67.38
74.29
88.00
59.00
70.94
72.25
34.00
67.00
70.00
28.33
72.00
20.60
64.50
31.70
24.67
49.00
46.30
44.75
41.00
58.75
50.40
64.92
12.42
41.40
5.63
13.00
46.61
48.36
Relative/ Friends/
Neighbours
Rural
13.10
Panchayat
4.71
11.00
6.25
6.71
14.80
7.92
8.13
3.29
0.00
8.00
5.65
1.00
2.00
14.00
0.63
0.56
0.00
16.80
32.50
18.30
23.17
2.00
12.18
42.00
5.33
8.63
23.00
33.50
65.10
0.80
0.63
0.00
18.22
1.87
0.14
0.00
1.00
0.29
16.20
3.67
1.63
2.14
0.00
0.00
1.65
0.25
0.00
0.00
0.75
0.00
1.50
1.60
6.75
2.40
1.17
8.50
2.35
1.25
0.11
0.63
1.40
0.75
0.67
3.00
0.63
0.00
0.80
8.25
Banners/Hoardings
0.14
0.00
0.00
0.14
16.60
3.54
9.13
17.29
32.00
10.00
13.88
0.00
2.00
1.00
12.13
0.00
1.00
0.80
5.00
2.70
4.00
25.75
5.98
8.75
3.94
15.63
7.60
7.00
5.03
26.40
58.75
4.00
10.39
Rural knowledge
hub
0.00
1.00
0.00
0.14
18.00
3.83
0.88
0.43
1.00
0.00
0.65
0.00
8.00
0.00
2.00
0.00
0.00
0.40
1.75
1.30
5.33
14.75
2.93
3.50
0.89
2.38
0.60
8.08
7.38
0.00
0.00
0.00
2.97
2.83
1.72
Others
0.43
0.00
0.00
1.29
0.40
0.58
10.25
0.57
0.00
22.00
6.35
0.00
8.00
0.00
0.63
0.00
1.50
0.60
0.50
1.70
1.00
16.25
2.33
0.00
0.00
1.38
0.60
0.17
0.34
0.00
1.25
0.00
0.33
None
0.00
0.00
0.00
0.14
0.00
0.04
0.13
0.14
1.00
0.00
0.18
0.00
2.00
0.00
0.88
0.00
0.00
1.80
0.25
1.00
0.17
0.75
0.71
2.25
0.28
1.00
0.00
0.33
0.34
0.00
0.00
0.00
0.47
0.44
14.58
Radio/Transistor
3.11
29.00
16.75
33.86
14.14
16.43
16.00
4.86
0.00
27.00
11.63
6.83
7.00
4.00
5.50
75.50
6.00
22.40
7.75
19.70
30.83
40.00
19.27
1.50
9.44
10.00
27.40
1.33
11.33
5.00
34.55
35.00
10.84
75.77
Television
92.22
96.00
65.75
59.86
64.43
73.54
76.60
80.00
98.00
70.00
78.63
75.17
92.00
97.00
70.63
100.00
81.00
76.00
89.00
67.60
78.67
64.75
75.71
60.25
68.28
82.38
78.60
68.58
91.33
96.00
89.55
95.00
75.96
43.18
Newspaper
10.44
57.00
30.25
51.86
43.71
33.61
56.30
49.71
37.00
51.00
52.58
40.00
58.00
42.00
33.88
98.50
81.00
44.00
41.75
38.80
53.67
35.00
45.04
12.75
47.89
52.88
36.20
26.83
78.67
61.00
41.36
44.00
43.15
4.60
Magazines
1.00
6.00
7.00
5.57
13.71
6.36
6.40
6.86
0.00
6.00
6.21
2.17
5.00
2.00
4.13
0.00
7.50
7.00
4.50
5.50
6.17
3.00
4.59
0.25
1.72
2.50
7.20
2.25
10.67
8.20
2.05
1.00
3.28
2.67
Internet
2.56
18.00
4.75
3.14
4.43
4.04
3.50
0.43
0.00
6.00
2.32
1.83
2.00
2.00
1.25
0.00
7.00
2.80
3.25
2.40
2.50
1.25
2.24
0.25
0.67
1.00
9.60
0.92
6.67
5.40
4.09
6.00
2.50
Bazaar/Local people
1.11
2.00
1.75
12.43
29.43
11.14
12.00
15.29
11.00
13.00
13.21
64.33
22.00
67.00
31.63
0.00
13.00
25.80
43.50
20.30
30.50
43.00
32.96
42.50
37.61
38.63
23.60
54.67
35.33
8.40
9.32
1.00
35.10
27.48
Urban
12.44
19.00
30.25
55.86
53.71
36.39
59.10
62.29
83.00
68.00
62.00
62.83
33.00
68.00
74.75
1.00
72.50
32.80
57.50
22.30
25.83
37.50
43.78
41.75
37.11
46.25
51.60
50.75
15.00
39.80
10.68
28.00
39.59
43.05
Table S3.4e: Distribution of Households by Major Source of Information to Households (Insured + Uninsured) (Percentage)
Relative/ Friends/
Neighbours
0.44
1.00
12.25
2.00
3.71
3.36
0.10
0.14
0.00
0.00
0.11
0.00
2.00
0.00
0.38
0.00
0.50
5.60
0.00
0.50
3.00
4.50
1.53
0.00
0.33
0.88
12.40
0.50
1.67
1.00
0.00
0.00
1.51
1.68
Panchayat
0.22
0.00
3.00
0.57
5.57
2.04
0.30
0.43
0.00
0.00
0.32
0.17
3.00
0.00
0.13
0.00
1.00
1.20
3.25
1.00
0.50
6.25
1.31
0.50
0.06
0.13
14.60
0.17
2.00
0.80
0.00
0.00
1.47
1.38
11.73
Banners/Hoardings
0.56
1.00
0.00
0.57
23.71
6.29
13.20
22.14
47.00
10.00
18.11
6.50
1.00
1.00
13.75
0.00
0.50
4.40
11.00
0.80
12.83
29.50
8.59
14.00
4.61
16.13
21.00
12.08
17.67
28.60
38.18
12.00
14.80
0.61
Rural
knowledge hub
0.00
0.00
0.00
0.00
6.29
1.57
0.00
0.00
0.00
0.00
0.00
0.00
7.00
0.00
0.88
0.00
0.00
0.00
0.75
0.10
0.17
2.75
0.61
0.50
0.00
0.25
3.00
0.25
0.00
0.00
0.00
0.00
0.36
2.03
Others
0.00
0.00
0.00
0.29
0.57
0.21
11.40
2.86
0.00
21.00
8.16
0.00
15.00
0.00
0.00
0.00
0.50
0.80
0.25
0.30
2.50
21.25
2.53
0.00
0.00
1.38
0.60
0.25
0.67
0.40
2.27
2.00
0.55
0.00
0.00
0.00
0.00
0.00
0.00
0.20
0.00
0.00
0.00
0.11
0.00
0.00
0.00
0.63
0.00
0.00
0.60
0.25
0.30
0.17
0.00
0.27
1.50
0.11
0.00
0.00
0.58
0.00
0.00
0.68
0.00
0.30
0.21
None
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
State / UT
Radio/
Transistor
17.99
13.97
51.50
27.17
6.50
17.56
6.13
26.50
7.13
16.53
11.38
24.73
41.63
28.92
34.95
8.00
29.60
10.00
72.89
11.63
2.50
25.00
7.20
13.00
26.50
0.50
8.36
16.50
18.13
11.83
32.43
31.63
15.00
4.00
Television
67.71
63.60
97.00
88.50
96.10
87.12
46.38
84.40
62.00
56.25
40.25
68.65
57.00
73.00
56.50
81.88
69.80
67.25
96.58
68.38
97.50
87.50
66.20
74.69
69.50
97.50
74.43
72.94
70.48
54.42
61.64
71.13
74.00
89.50
Newspaper
37.32
35.92
44.00
37.67
59.90
59.87
16.88
41.40
37.63
41.28
7.50
38.39
24.63
48.75
36.45
32.38
35.20
72.50
83.16
26.81
37.00
57.50
33.20
45.72
50.00
37.00
45.29
46.56
32.71
37.33
51.71
36.88
38.50
9.81
Magazines
3.69
2.43
0.50
2.17
8.10
6.52
1.38
4.60
1.44
1.36
0.25
3.57
2.25
5.08
4.40
3.00
4.80
5.25
0.00
3.69
1.50
3.00
1.40
3.86
4.00
0.00
4.07
4.11
6.67
15.83
6.29
5.13
7.00
0.88
1.87
1.62
3.50
3.83
3.60
4.35
0.54
6.50
0.50
0.33
0.13
1.46
1.38
1.50
1.50
1.75
2.30
4.00
0.00
0.81
1.00
1.00
1.10
1.56
6.50
0.00
0.36
2.11
3.38
3.50
2.86
5.75
10.50
1.69
Internet
29.92
38.63
1.50
11.67
9.40
24.08
56.29
18.70
49.63
44.50
39.13
33.82
47.38
33.92
18.75
43.13
18.30
21.75
0.00
33.75
64.50
32.00
73.10
17.33
22.00
11.50
18.71
16.39
11.69
31.75
13.71
1.25
4.50
1.00
Bazaar/ Local
people
Table S3.4f: Distribution of Households by Major Source of Information to Households (Insured + Uninsured) (Percentage)
45.61
43.02
20.50
9.33
40.60
13.71
57.83
51.00
52.50
39.06
43.25
45.01
43.25
25.25
27.00
61.00
26.70
72.25
13.95
72.38
67.50
33.50
66.60
66.22
63.50
85.50
68.29
62.78
38.31
52.83
58.29
27.63
41.00
14.94
Fair price
shop (FPS)
72
Relative/
Friends/
Neighbours
7.18
9.66
0.00
0.17
0.90
33.28
17.00
17.70
4.75
2.83
21.00
6.73
3.25
13.08
9.40
16.25
11.20
0.25
0.26
0.50
7.00
2.00
0.40
2.72
4.00
0.00
1.71
3.67
5.46
8.33
4.36
9.25
6.00
2.31
Panchayat
1.62
1.14
0.00
0.17
1.90
1.34
0.46
8.00
0.38
0.08
0.88
1.82
7.38
0.83
1.70
5.00
1.40
1.25
0.00
0.44
0.00
1.50
0.20
0.94
0.00
0.00
1.29
0.89
2.79
10.00
0.43
2.00
0.00
0.19
Banners/Hoar
dings
10.05
12.65
8.00
43.67
27.50
11.37
9.54
14.30
15.88
4.28
11.38
7.32
27.63
8.42
1.75
8.00
2.60
0.75
0.00
12.94
1.00
1.50
3.90
16.11
10.00
39.50
19.71
11.39
5.02
20.75
0.36
0.00
0.50
0.38
Rural
knowledge
hub
1.68
1.64
0.00
0.00
0.00
3.68
4.17
1.80
1.31
0.44
2.00
1.74
8.75
2.75
0.70
1.25
0.20
0.00
0.00
1.44
0.00
7.50
0.00
0.31
0.00
0.50
0.21
0.39
2.62
11.17
0.07
0.00
0.50
0.00
Others
1.88
0.44
1.00
2.00
0.20
0.50
0.21
0.60
1.38
0.00
0.00
2.43
18.75
1.75
1.00
0.38
0.70
1.00
0.00
0.31
0.00
11.50
0.00
7.31
21.50
0.00
1.71
10.89
0.38
0.50
0.79
0.00
0.00
0.19
0.32
0.38
0.00
0.50
0.00
0.17
0.46
0.00
0.50
0.19
1.88
0.48
0.38
0.17
0.65
0.25
1.20
0.00
0.00
0.75
0.00
1.00
0.00
0.14
0.00
0.50
0.07
0.17
0.02
0.00
0.07
0.00
0.00
0.00
None
73
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
No insurance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
Life insurance
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
11301
General
insurance
2.89
3.46
0.00
1.56
21.20
1.26
1.56
3.13
2.81
1.32
1.56
2.66
1.71
5.07
2.88
3.44
0.50
0.00
4.55
0.78
0.00
18.75
1.88
0.73
0.00
0.00
0.89
0.78
3.49
2.76
9.09
0.31
1.25
0.54
327
Health insurance
5.27
1.07
0.00
7.81
2.49
1.68
0.10
0.26
2.03
0.62
0.31
3.09
1.71
5.29
2.63
7.50
2.99
0.00
4.55
2.19
0.00
2.50
0.94
1.03
6.25
0.00
0.71
0.78
22.24
12.56
9.27
24.61
17.50
41.43
596
26.41
19.77
22.50
14.84
22.19
13.03
14.69
47.66
4.38
23.23
20.00
17.86
14.04
22.25
10.39
48.13
8.98
5.26
77.27
23.91
0.00
3.75
7.19
34.97
55.00
56.25
32.14
32.29
51.51
48.24
40.82
56.07
78.75
58.04
2985
Motor insurance
Rural
Tractor insurance
2.53
2.92
0.00
1.56
7.23
0.42
1.67
4.43
1.56
3.74
1.56
1.81
0.68
2.42
1.88
5.63
1.00
0.00
0.00
1.72
0.00
0.00
0.31
1.47
1.25
1.25
1.43
1.56
3.65
2.51
9.27
0.62
3.75
0.54
286
Livestock
insurance
0.33
0.13
0.00
0.00
0.50
0.00
0.00
0.00
0.47
0.00
0.31
0.64
0.34
2.20
0.00
0.63
0.00
0.00
0.00
1.25
0.00
1.25
0.00
0.44
0.00
0.00
0.71
0.31
0.16
0.25
0.36
0.00
0.00
0.00
37
Accident
insurance
1.81
2.66
0.00
0.00
28.18
2.10
0.21
0.52
0.00
0.00
0.00
1.78
0.68
9.25
0.50
3.13
0.00
0.00
0.00
0.16
0.00
1.25
0.31
0.37
0.00
1.25
0.18
0.47
0.83
3.27
0.53
0.00
0.00
0.00
204
Crop insurance
2.49
1.70
0.00
0.00
2.99
0.84
3.33
0.78
0.47
0.07
7.81
1.11
0.00
0.22
0.38
1.56
0.00
0.00
0.00
4.38
0.00
1.25
0.00
2.87
0.00
0.00
2.68
3.74
6.56
23.37
2.50
1.87
0.00
2.32
281
Pump insurance
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.06
0.00
0.44
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.26
1.26
0.00
0.00
0.00
0.00
7
No insurance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
Life insurance
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
10866
General
insurance
4.82
4.73
2.86
1.95
25.14
0.95
2.26
3.43
1.79
4.76
0.36
5.14
11.82
7.49
1.28
2.14
1.71
1.37
43.84
2.14
1.43
37.14
2.38
1.28
0.00
1.43
0.41
2.00
6.86
10.59
14.45
1.79
0.00
0.79
524
Health insurance
6.59
1.32
0.00
3.90
2.00
0.95
1.43
0.86
2.14
0.63
0.00
4.81
2.56
6.76
2.28
10.36
4.00
5.48
0.00
7.86
1.43
0.00
3.81
2.33
2.86
0.00
1.43
3.15
23.65
15.27
6.64
27.50
11.43
43.65
716
Urban
35.56
25.68
34.29
12.99
25.14
29.52
31.75
37.43
10.54
26.41
29.39
28.45
18.21
21.98
28.49
60.36
25.14
35.62
64.38
40.89
0.00
8.57
7.86
48.53
48.57
70.00
46.33
47.93
59.86
44.40
56.64
66.07
88.57
68.57
3864
Motor insurance
Table S3.5a: Distribution of Households by Type of Insurance Taken By Households (Insured) (Percentage)
Tractor insurance
0.87
0.87
0.00
0.00
0.86
0.48
0.48
3.71
0.18
0.95
1.08
0.48
0.32
2.17
0.28
0.36
0.00
0.00
0.00
0.54
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.07
0.81
6.05
0.71
0.00
0.63
94
Livestock
insurance
0.32
0.07
0.00
0.00
0.00
0.00
0.00
0.86
0.00
0.00
0.00
0.75
0.00
0.72
0.00
1.07
0.29
1.37
0.00
3.04
0.00
0.00
0.00
0.08
0.00
0.00
0.20
0.00
0.30
0.00
1.17
0.00
0.00
0.00
35
Accident
insurance
1.52
2.79
0.00
1.30
30.86
0.48
0.48
0.29
0.00
0.00
0.00
1.02
0.64
3.38
0.14
4.29
0.29
0.00
0.00
0.36
0.00
1.43
0.24
0.08
0.00
0.00
0.00
0.14
0.61
1.02
1.37
0.00
0.00
0.00
165
Crop insurance
0.29
0.09
0.00
0.00
0.57
0.00
0.00
0.00
0.00
0.08
0.36
0.12
0.32
0.24
0.00
0.36
0.00
0.00
0.00
0.00
0.00
1.43
0.00
0.30
0.00
0.00
0.00
0.57
1.01
1.02
1.76
1.07
0.00
0.48
32
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.00
0.24
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1
Pump insurance
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
Western Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Life insurance
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
22167
No insurance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
General
insurance
3.84
4.07
1.33
1.83
23.04
1.12
1.89
3.27
2.33
2.92
1.00
3.88
6.94
6.22
2.13
2.83
1.07
1.09
34.74
1.42
0.67
27.33
2.16
1.00
0.00
0.67
0.67
1.42
5.20
7.09
11.65
1.00
0.67
0.67
851
Health
insurance
5.92
1.19
0.00
5.05
2.26
1.34
0.72
0.54
2.08
0.63
0.17
3.94
2.15
5.99
2.47
8.83
3.46
4.35
1.05
4.83
0.67
1.33
2.57
1.67
4.67
0.00
1.05
2.01
22.96
14.06
8.01
25.96
14.67
42.61
1312
30.90
22.60
28.00
13.53
23.57
20.76
22.65
42.78
7.25
24.71
24.37
23.07
16.20
22.12
18.85
53.83
16.51
29.35
67.37
31.83
0.00
6.00
7.57
41.67
52.00
62.67
38.76
40.45
55.75
46.12
48.37
60.73
83.33
63.61
6849
Motor
insurance
Table S3.5b: Distribution of Households by Type of Insurance Taken By Households (Insured) (Percentage)
1.71
1.94
0.00
0.46
4.26
0.45
1.11
4.09
0.92
2.44
1.34
1.16
0.50
2.30
1.13
3.17
0.53
0.00
0.00
1.17
0.00
0.00
0.14
0.74
0.67
0.67
0.76
0.75
2.84
1.57
7.74
0.67
2.00
0.59
380
Tractor
insurance
74
Livestock
insurance
0.32
0.10
0.00
0.00
0.27
0.00
0.00
0.41
0.25
0.00
0.17
0.70
0.17
1.50
0.00
0.83
0.13
1.09
0.00
2.08
0.00
0.67
0.00
0.26
0.00
0.00
0.48
0.15
0.23
0.11
0.75
0.00
0.00
0.00
72
Accident
insurance
1.66
2.72
0.00
0.92
29.43
1.34
0.33
0.41
0.00
0.00
0.00
1.41
0.66
6.45
0.33
3.67
0.13
0.00
0.00
0.25
0.00
1.33
0.27
0.22
0.00
0.67
0.10
0.30
0.72
2.02
0.93
0.00
0.00
0.00
369
Crop
insurance
1.41
0.93
0.00
0.00
1.86
0.45
1.78
0.41
0.25
0.07
4.34
0.62
0.17
0.23
0.20
1.00
0.00
0.00
0.00
2.33
0.00
1.33
0.00
1.60
0.00
0.00
1.43
2.09
3.74
11.02
2.14
1.50
0.00
1.34
313
0.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
0.00
0.35
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.13
0.56
0.00
0.00
0.00
0.00
8
Pump
insurance
75
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Life insurance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
No insurance
88.01
90.30
95.00
93.75
90.91
85.00
94.58
68.10
93.75
91.90
96.25
86.35
72.22
68.49
84.58
91.25
85.86
92.82
84.81
98.75
95.00
85.00
100.00
87.91
65.00
75.00
89.29
91.19
86.88
91.18
80.58
83.54
75.00
93.57
2849
General insurance
0.62
0.34
0.00
3.13
1.01
0.00
0.00
0.00
0.00
0.56
0.00
0.96
0.00
4.11
0.00
0.00
0.00
0.55
3.16
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.83
0.00
2.16
0.00
5.00
0.00
20
Health insurance
0.56
0.17
0.00
0.00
0.00
0.00
0.42
0.00
0.00
0.28
0.00
0.96
0.00
2.05
0.50
3.75
2.02
1.10
0.63
0.00
0.00
0.00
0.00
0.29
0.00
0.00
0.00
0.63
0.63
0.00
2.16
0.00
0.00
0.00
18
Motor insurance
5.16
5.92
0.00
6.25
3.03
0.00
3.33
28.45
1.25
5.03
3.75
2.31
0.93
0.00
1.00
5.00
1.01
2.76
10.13
0.00
0.00
0.00
0.00
8.55
30.00
25.00
6.43
5.66
8.33
8.82
6.47
16.46
5.00
5.71
167
0.46
0.86
0.00
0.00
0.00
0.00
0.42
1.72
0.00
1.96
0.00
0.16
0.00
0.68
0.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.63
0.00
1.44
0.00
5.00
0.00
15
Tractor insurance
Livestock
insurance
0.19
0.26
0.00
0.00
0.00
0.00
0.42
0.86
0.63
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.88
0.00
0.00
2.14
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
Accident
insurance
0.40
0.26
0.00
0.00
2.02
0.00
0.00
0.00
0.00
0.28
0.00
0.72
0.00
6.16
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.21
0.00
0.72
0.00
0.00
0.00
13
Crop insurance
0.62
0.34
0.00
0.00
0.00
0.00
0.83
0.86
0.00
0.00
1.25
0.16
0.00
0.00
0.00
0.00
0.00
0.00
0.63
0.63
0.00
0.00
0.00
2.36
0.00
0.00
3.57
1.89
1.25
0.98
2.16
0.00
5.00
0.71
20
Pump insurance
0.46
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.08
0.00
0.68
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.92
0.00
8.63
0.00
10.00
0.00
15
Any other
insurance
0.71
0.69
0.00
0.00
0.00
11.67
0.00
0.86
0.00
0.00
0.00
0.80
0.00
4.11
1.00
0.00
1.01
0.00
0.00
0.63
0.00
0.00
0.00
0.59
0.00
0.00
0.00
1.26
0.63
0.98
1.44
0.00
0.00
0.00
23
No insurance
89.11
90.89
86.67
96.21
80.67
94.44
97.21
79.33
84.17
94.25
90.08
92.44
88.51
79.57
95.97
76.67
88.00
93.70
97.64
99.17
100.00
100.00
100.00
81.96
73.33
60.00
83.81
83.72
83.72
90.91
73.94
84.17
63.33
87.04
4254
Life Insurance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
General insurance
0.65
0.72
0.00
0.00
5.33
0.00
0.00
0.00
0.00
0.93
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.20
0.00
9.04
0.00
0.00
0.37
31
Health insurance
0.44
0.17
0.00
0.76
0.00
0.00
0.00
0.67
0.00
0.00
0.83
0.95
0.00
1.08
0.00
10.00
0.67
0.00
0.00
0.00
0.00
0.00
0.00
0.35
0.00
0.00
0.48
0.33
0.12
0.00
0.53
0.00
0.00
0.00
21
Urban
6.79
5.85
10.00
2.27
13.33
2.22
3.06
16.67
7.50
3.15
5.79
1.78
0.00
1.08
0.34
14.17
0.67
3.15
1.57
0.42
0.00
0.00
0.00
14.36
23.33
40.00
13.81
11.30
13.22
5.74
17.55
15.00
33.33
12.96
324
Motor insurance
Rural
0.17
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.42
0.00
0.00
0.06
0.00
0.00
0.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.73
0.48
2.66
0.00
0.00
0.00
8
Tractor insurance
Table S3.5c: Distribution of Households by Type of Insurance Taken by Households (Uninsured) (Percentage)
Livestock
insurance
0.08
0.17
0.00
0.00
0.00
0.00
0.28
0.00
0.00
0.00
1.65
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.42
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
Accident
insurance
0.25
0.44
0.00
0.00
3.33
1.11
0.00
0.00
0.00
0.37
0.00
0.19
0.00
0.54
0.34
0.83
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.12
0.00
0.53
0.00
0.00
0.00
12
Crop insurance
0.10
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.83
0.06
0.00
0.00
0.00
0.00
0.67
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.37
0.48
0.00
0.83
3.33
0.00
5
Pump insurance
0.27
0.06
0.00
0.00
0.00
0.00
0.00
0.67
0.00
0.00
0.00
0.13
0.00
0.00
0.00
0.83
0.00
0.79
0.00
0.00
0.00
0.00
0.00
0.18
0.00
0.00
0.00
0.33
1.10
0.00
4.79
0.00
0.00
0.00
13
0.19
0.17
0.00
0.00
0.67
0.00
0.00
1.33
0.00
0.00
0.00
0.13
0.00
0.00
0.00
0.00
1.33
0.00
0.00
0.00
0.00
0.00
0.00
0.53
0.00
0.00
1.43
0.00
0.12
0.00
0.53
0.00
0.00
0.00
9
Any other
insurance
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Life insurance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.10
4.00
0.00
1.14
0.87
0.77
1.29
1.22
0.00
0.00
0.49
0
General
insurance
0.64
0.57
0.00
0.61
3.61
0.00
0.00
0.00
0.00
0.78
0.00
0.42
0.00
1.81
0.00
0.00
0.00
0.32
1.75
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.70
0.00
6.12
0.00
2.00
0.24
51
Health
insurance
0.49
0.17
0.00
0.61
0.00
0.00
0.17
0.38
0.00
0.11
0.50
0.95
0.00
1.51
0.20
7.50
1.20
0.65
0.35
0.00
0.00
0.00
0.00
0.33
0.00
0.00
0.29
0.43
0.31
0.00
1.22
0.00
0.00
0.00
39
6.13
5.88
6.00
3.05
9.24
1.33
3.17
21.80
5.00
3.90
4.98
2.02
0.51
0.60
0.60
10.50
0.80
2.92
6.32
0.25
0.00
0.00
0.00
12.20
26.00
34.00
10.86
9.35
11.41
6.75
12.84
15.58
22.00
10.49
491
Motor
insurance
0.29
0.37
0.00
0.00
0.00
0.00
0.17
0.75
0.25
0.78
0.00
0.11
0.00
0.30
0.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.69
0.32
2.14
0.00
2.00
0.00
23
Tractor
insurance
All (Rural+Urban)
Table S3.5d: Distribution of Households by Type of Insurance Taken by Households (Uninsured) (Percentage)
0.12
0.20
0.00
0.00
0.00
0.00
0.33
0.38
0.25
0.00
1.00
0.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.00
0.00
0.00
0.33
0.00
0.00
0.86
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
Livestock
insurance
76
Accident
insurance
0.31
0.37
0.00
0.00
2.81
0.67
0.00
0.00
0.00
0.33
0.00
0.42
0.00
3.01
0.20
0.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.15
0.00
0.61
0.00
0.00
0.00
25
Crop insurance
0.31
0.17
0.00
0.00
0.00
0.00
0.33
0.38
0.00
0.00
1.00
0.11
0.00
0.00
0.00
0.00
0.40
0.00
0.35
0.25
0.00
0.00
0.00
0.88
0.00
0.00
1.43
0.65
0.69
0.64
0.92
0.50
4.00
0.24
25
Pump
insurance
0.35
0.03
0.00
0.00
0.00
0.00
0.00
0.38
0.00
0.00
0.00
0.11
0.00
0.30
0.00
0.50
0.00
0.32
0.00
0.00
0.00
0.00
0.00
0.11
0.00
0.00
0.00
0.22
1.77
0.00
6.42
0.00
4.00
0.00
28
0.40
0.37
0.00
0.00
0.40
4.67
0.00
1.13
0.00
0.00
0.00
0.42
0.00
1.81
0.40
0.00
1.20
0.00
0.00
0.25
0.00
0.00
0.00
0.55
0.00
0.00
0.86
0.43
0.31
0.32
0.92
0.00
0.00
0.00
32
Any other
insurance
77
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
31.5
19.5
20.0
57.0
38.4
38.2
6.1
62.5
28.0
5.3
2.2
33.1
46.2
42.1
15.3
10.6
25.2
68.4
68.2
52.0
1.3
48.8
46.6
39.1
46.3
62.5
39.8
34.6
52.2
42.7
42.1
60.4
58.8
63.4
3562
Prevent
certain
events
34.2
22.7
53.8
12.5
61.8
30.3
18.6
52.1
28.3
6.7
1.9
29.1
37.7
26.2
28.3
36.3
31.2
68.4
68.2
40.3
0.0
15.0
0.9
44.0
46.3
16.3
39.6
51.0
63.9
34.2
56.1
82.2
63.8
82.3
3865
Prevent
damage to
assets from
certain events
43.5
43.0
22.5
18.0
44.6
40.3
34.5
41.1
17.0
63.1
47.5
40.1
40.4
38.8
47.6
58.1
43.6
42.1
59.1
46.6
0.0
17.5
1.9
48.8
66.3
32.5
47.0
50.2
46.9
20.9
55.6
41.7
31.3
61.8
4914
Compens
ate losses
from
certain
events
20.8
19.6
17.5
2.3
22.9
15.5
24.1
30.5
10.6
18.4
23.4
14.6
20.9
22.0
16.1
11.6
4.0
21.1
31.8
21.9
0.0
5.0
0.3
34.6
26.3
15.0
39.8
33.5
25.0
45.0
19.8
18.4
47.5
16.6
2352
Rebuild
the
assets
Insured
51.7
63.4
16.3
67.2
41.9
52.1
92.3
58.6
41.1
59.4
90.3
53.4
77.1
43.8
49.8
89.7
31.9
36.8
31.8
30.3
93.8
85.0
75.9
39.9
23.8
96.3
41.6
33.4
29.0
4.5
54.9
25.5
21.3
23.4
5841
Loss
of life
5.2
1.5
1.3
0.8
4.7
10.1
0.0
4.4
0.5
0.1
0.3
14.4
11.0
10.6
3.6
0.6
4.5
15.8
0.0
0.6
100.0
46.3
75.3
0.3
0.0
1.3
0.0
0.5
1.1
1.0
1.1
0.6
10.0
0.4
588
Any
other
2.1
2.4
2.5
7.0
1.5
8.0
0.2
0.8
6.4
1.7
0.6
3.3
0.7
8.1
6.1
1.9
1.5
0.0
0.0
0.9
0.0
8.8
0.0
0.9
0.0
0.0
0.7
1.2
0.3
0.0
0.4
0.9
1.3
0.0
239
Can't
say
Table S4.1a: Distribution of Households Based on Their Perception about Insurance (Rural) (Percentage)
25.9
16.2
10.0
34.4
30.3
35.0
4.2
65.5
14.4
4.5
0.0
28.6
14.8
37.7
9.5
6.3
10.1
41.4
43.7
50.0
0.0
25.0
30.0
26.5
55.0
60.0
27.1
18.2
41.7
40.2
40.3
49.4
40.0
40.0
837
Prevent
certain
events
Prevent
damage to
assets
from
certain
events
24.3
15.9
45.0
6.3
58.6
16.7
8.3
45.7
12.5
3.6
0.0
25.7
8.3
34.9
14.9
16.3
26.3
39.2
57.0
18.1
0.0
15.0
0.0
24.8
45.0
15.0
18.6
28.9
41.0
28.4
43.2
50.6
55.0
40.7
788
29.4
31.2
0.0
18.8
41.4
15.0
28.3
39.7
12.5
41.1
32.5
24.5
21.3
24.0
20.4
16.3
14.1
22.7
45.6
38.8
0.0
15.0
3.8
36.0
55.0
25.0
32.9
37.7
33.1
21.6
37.4
35.4
35.0
35.7
951
12.9
10.5
5.0
0.0
16.2
6.7
18.8
12.1
2.5
8.9
7.5
9.9
9.3
13.0
5.5
2.5
6.1
16.6
22.2
6.3
0.0
5.0
0.0
18.6
15.0
10.0
20.0
18.9
22.5
42.2
17.3
19.0
30.0
14.3
417
Rebuild
the
assets
Uninsured
Compensate
losses from
certain
events
38.3
43.1
20.0
40.6
27.3
58.3
45.0
52.6
30.6
45.3
53.8
36.4
47.2
25.3
32.3
58.8
16.2
11.6
39.2
38.1
90.0
75.0
78.8
44.0
30.0
90.0
51.4
33.3
27.7
17.6
54.7
16.5
0.0
18.6
1240
Loss
of life
3.8
1.0
5.0
0.0
0.0
3.3
0.0
5.2
0.6
0.6
0.0
8.3
4.6
4.8
1.5
1.3
2.0
4.4
0.0
0.0
100.0
60.0
57.5
0.6
0.0
0.0
0.0
1.3
1.3
0.0
3.6
0.0
5.0
0.0
124
Any other
19.7
19.8
25.0
34.4
14.1
16.7
10.0
2.6
50.0
20.7
12.5
21.5
13.9
14.4
33.3
31.3
37.4
41.4
12.7
3.1
0.0
20.0
0.0
10.0
0.0
5.0
10.7
11.3
21.7
12.7
5.8
35.4
40.0
33.6
638
Can't
say
78
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Southern Region
Western Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Northern Region
All India
All India
Prevent
damage
to
assets
from
certain
events
37.58
28.73
45.71
41.23
64.29
27.14
25.09
61.43
42.68
8.64
0.00
30.44
41.21
46.14
20.66
37.50
27.14
68.49
95.89
38.57
0.00
7.14
1.43
45.45
45.71
28.57
38.78
51.79
63.14
42.97
42.38
71.07
81.43
90.16
4083
Prevent
certain
events
30.65
22.09
50.00
52.60
39.43
23.33
10.82
48.00
33.93
7.45
2.51
31.13
38.34
56.76
6.84
11.43
15.43
68.49
35.62
47.50
1.43
57.14
38.81
38.90
50.00
61.43
34.29
38.77
42.56
37.68
39.65
55.00
37.14
43.81
3330
48.07
50.13
34.29
31.17
50.57
48.10
52.08
46.86
15.71
68.91
58.42
39.94
54.95
41.30
30.77
57.14
54.29
64.38
50.68
52.50
0.00
45.71
2.14
54.40
54.29
12.86
52.04
60.23
53.05
32.18
52.54
55.71
47.14
69.21
5223
Compensate
losses from
certain
events
20.38
19.01
8.57
16.56
19.14
26.19
26.04
31.71
6.07
16.57
18.64
13.92
14.70
13.04
10.40
12.86
16.00
12.33
56.16
25.36
0.00
7.14
0.24
39.65
28.57
18.57
41.84
41.34
21.18
34.22
12.89
22.86
41.43
14.76
2214
Rebuild
the
assets
Insured
50.90
63.56
45.71
55.19
30.29
47.14
85.85
58.00
51.61
63.12
97.13
49.29
59.74
46.14
24.50
83.57
43.14
35.62
47.95
33.21
91.43
74.29
81.19
38.37
28.57
92.86
38.78
33.62
35.00
22.20
67.77
4.29
10.00
34.76
5531
Loss of
life
8.49
1.66
1.43
2.60
5.43
13.81
0.12
1.14
0.71
0.24
0.36
23.79
7.35
10.87
32.34
0.71
3.43
17.81
0.00
0.18
100.00
34.29
89.05
0.38
0.00
2.86
0.61
0.00
2.87
2.04
8.40
0.36
4.29
0.00
923
Any other
Table S4.1b: Distribution of Households Based on Their Perception about Insurance (Urban) (Percentage)
1.83
1.92
1.43
3.57
2.29
7.14
0.12
2.86
3.04
1.43
0.00
2.98
0.64
3.38
9.12
1.07
3.71
0.00
0.00
0.36
0.00
1.43
0.00
0.38
0.00
0.00
1.02
0.00
0.71
1.83
0.59
0.00
0.00
0.32
199
Can't
say
24.99
16.07
60.00
24.24
28.00
11.11
6.13
44.00
25.42
7.42
0.00
26.67
6.90
51.08
3.36
7.50
12.00
59.84
41.73
47.08
0.00
40.00
15.56
35.73
73.33
50.00
36.19
30.23
34.03
25.84
44.15
45.83
30.00
28.52
1193
Prevent
certain
events
26.85
21.04
26.67
20.45
62.00
18.89
18.94
54.67
19.17
7.24
0.83
24.19
5.75
51.08
9.73
13.33
10.00
62.99
72.44
20.00
0.00
3.33
0.00
27.15
36.67
26.67
23.33
28.90
44.68
22.97
52.13
45.83
63.33
53.70
1282
Prevent
damage
to
assets
from
certain
events
33.47
32.69
26.67
14.39
36.67
32.22
28.13
38.67
8.33
48.98
31.40
29.40
39.08
38.17
18.12
25.00
22.00
33.86
56.69
46.67
0.00
43.33
0.56
40.98
26.67
13.33
44.29
42.86
37.82
16.27
51.06
44.17
53.33
40.74
1598
Compensate
losses from
certain
events
14.58
13.58
6.67
16.67
18.67
11.11
17.83
32.00
2.08
9.83
11.57
9.59
22.99
9.68
4.70
5.83
4.67
12.60
39.37
7.92
0.00
0.00
0.00
25.57
16.67
20.00
25.71
26.91
18.73
22.49
12.23
25.83
26.67
16.30
696
Rebuild
the
assets
Uninsured
42.06
51.19
46.67
40.15
29.33
53.33
54.87
52.67
47.92
55.47
64.46
39.49
56.32
47.31
23.15
65.00
25.33
5.51
19.69
35.00
43.33
73.33
82.78
41.16
50.00
80.00
43.33
34.88
27.42
19.62
53.19
5.00
0.00
28.52
2008
Loss of
life
6.72
0.72
3.33
0.76
0.67
3.33
0.00
1.33
0.83
0.56
0.00
18.67
11.49
11.29
20.13
0.83
2.67
6.30
0.00
0.42
93.33
40.00
82.78
0.18
0.00
0.00
0.48
0.00
1.59
1.44
3.72
0.83
0.00
0.74
321
Any other
15.94
14.96
16.67
31.82
15.33
24.44
9.19
6.67
27.92
11.50
5.79
17.33
3.45
9.14
36.24
28.33
44.00
24.41
1.57
3.33
0.00
13.33
0.00
5.95
0.00
3.33
4.76
7.64
22.40
32.06
2.66
28.33
26.67
25.56
761
Can't
say
79
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
31.1
20.7
34.0
53.9
38.9
31.3
8.3
55.6
30.8
6.3
2.3
32.1
42.1
49.1
11.3
11.0
20.6
68.5
43.2
49.9
1.3
52.7
42.2
39.0
48.0
62.0
37.2
36.8
47.3
39.9
40.9
57.9
48.7
53.0
6,892
Prevent
certain
events
Prevent
damage to
assets from
certain
events
35.9
25.6
50.0
32.8
63.0
28.8
21.7
56.5
35.0
7.6
1.0
29.8
39.5
35.7
24.7
36.8
29.3
68.5
89.5
39.5
0.0
11.3
1.2
44.7
46.0
22.0
39.2
51.4
63.5
39.0
49.6
77.0
72.0
86.5
7,948
45.7
46.4
28.0
27.3
47.4
44.0
42.7
43.9
16.4
65.8
52.6
40.0
47.9
40.0
39.7
57.7
48.6
59.8
52.6
49.3
0.0
30.7
2.0
51.6
60.7
23.3
49.3
55.4
50.0
27.1
54.1
48.3
38.7
65.7
10,137
Compensate
losses from
certain
events
20.6
19.3
13.3
12.4
21.2
20.5
25.0
31.1
8.5
17.5
21.2
14.2
17.7
17.7
13.5
12.2
9.6
14.1
50.5
23.5
0.0
6.0
0.3
37.1
27.3
16.7
40.8
37.6
23.1
39.0
16.5
20.5
44.7
15.6
4,566
Rebuild
the
assets
51.3
63.5
30.0
58.7
36.5
49.8
89.3
58.3
46.0
61.2
93.5
51.4
68.1
44.9
38.0
86.8
37.2
35.9
44.2
31.7
92.7
80.0
78.9
39.1
26.0
94.7
40.3
33.5
32.0
14.3
61.0
15.6
16.0
29.4
11,372
Loss of
life
6.8
1.6
1.3
2.1
5.1
11.8
0.1
2.9
0.6
0.2
0.3
19.0
9.1
10.7
17.1
0.7
4.0
17.4
0.0
0.4
100.0
40.7
83.1
0.3
0.0
2.0
0.3
0.2
2.0
1.6
4.6
0.5
7.3
0.2
1,511
Any
other
2.0
2.1
2.0
4.6
1.9
7.6
0.2
1.8
4.8
1.6
0.3
3.1
0.7
5.9
7.5
1.5
2.5
0.0
0.0
0.7
0.0
5.3
0.0
0.6
0.0
0.0
0.9
0.6
0.5
1.0
0.5
0.5
0.7
0.2
438
Can't
say
Table S4.1c: Distribution of Households Based on Their Perception about Insurance (Rural + Urban) (Percentage)
25.3
16.1
40.0
26.2
28.9
20.7
5.3
53.4
21.0
6.2
0.0
27.5
11.3
45.2
5.8
7.0
11.2
49.0
42.8
48.3
0.0
34.0
20.0
32.3
66.0
54.0
32.6
26.1
36.9
30.5
42.5
47.2
34.0
32.4
2,030
Prevent
certain
events
Prevent
damage to
assets from
certain
events
25.8
19.0
34.0
17.7
60.6
18.0
14.7
50.8
16.5
5.8
0.5
24.9
7.2
44.0
11.8
14.5
16.5
49.0
63.9
19.3
0.0
8.0
0.0
26.3
40.0
22.0
21.4
28.9
43.3
24.8
48.3
47.7
60.0
49.3
2,070
13.9
12.4
6.0
13.4
17.7
9.3
18.2
23.3
2.3
9.5
10.0
9.7
15.4
11.1
5.0
4.5
5.2
14.9
29.8
7.3
0.0
2.0
0.0
23.0
16.0
16.0
23.4
24.1
20.1
28.9
14.4
23.1
28.0
15.6
1,113
Rebuild
the
assets
40.5
48.0
36.0
40.2
28.5
55.3
50.9
52.6
41.0
51.4
60.2
38.1
51.3
37.7
26.9
62.5
21.7
9.1
30.5
36.3
62.0
74.0
81.5
42.2
42.0
84.0
46.6
34.3
27.5
19.0
53.8
9.5
0.0
25.1
3248
Loss
of life
Any
other
17.5
16.9
20.0
32.3
14.9
21.3
9.5
4.9
36.8
15.2
8.5
19.2
9.2
11.4
35.1
29.5
41.4
34.4
7.7
3.3
0.0
16.0
0.0
7.5
0.0
4.0
7.1
8.9
22.1
25.7
4.0
31.2
32.0
28.3
1,399
Can't
say
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhandl
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
Visual Media
34.0
19.3
20.0
80.5
30.2
61.3
9.3
52.1
13.6
7.9
3.4
41.4
33.9
55.5
20.9
55.6
27.7
15.8
54.5
67.5
40.0
42.5
30.6
50.9
35.0
90.0
53.9
45.4
44.0
2.8
32.4
62.3
43.8
74.5
3843
Print Media
18.8
11.5
12.5
31.3
11.2
18.1
9.1
44.3
9.2
5.3
0.0
19.3
20.2
41.9
10.0
23.8
8.2
42.1
59.1
20.9
23.8
25.0
9.7
24.9
51.3
37.5
27.9
17.5
30.6
2.3
33.9
41.4
42.5
39.5
2119
Radio/Transistor
20.6
15.0
68.8
7.0
11.2
20.6
8.6
31.3
2.3
17.6
18.4
18.5
21.9
13.2
27.5
3.8
36.4
0.0
90.9
13.4
0.0
5.0
7.2
17.2
31.3
1.3
15.0
19.3
40.1
14.8
31.9
67.0
23.8
53.0
2327
Corporate publicity
11.1
13.3
13.8
44.5
12.0
25.6
3.9
18.8
10.3
17.1
4.1
3.1
1.4
4.6
4.9
3.8
4.2
0.0
0.0
0.9
0.0
3.8
1.3
15.4
25.0
38.8
15.9
10.9
16.7
2.0
16.4
17.8
23.8
25.9
1249
8.1
10.0
0.0
0.8
4.0
6.3
13.5
9.6
2.7
11.3
24.7
3.0
19.9
2.4
1.1
1.3
1.7
0.0
0.0
1.6
0.0
5.0
0.0
3.7
1.3
0.0
1.3
6.6
16.0
17.1
18.5
12.1
20.0
14.3
918
Rural camps
Insured
Publicity vans
3.3
3.7
6.3
0.8
7.2
2.1
1.1
19.8
1.7
1.8
1.9
2.4
17.8
0.9
1.3
0.6
1.7
0.0
0.0
0.8
0.0
1.3
0.0
3.7
0.0
0.0
4.6
3.7
3.8
1.0
6.4
2.8
2.5
3.8
373
Panchayat
5.8
7.0
2.5
0.8
0.2
12.2
17.1
9.6
3.4
1.7
12.5
3.3
11.3
5.7
1.9
7.5
2.5
0.0
0.0
0.0
0.0
6.3
0.0
7.2
60.0
0.0
3.4
4.8
8.7
21.4
3.4
6.5
16.3
5.2
650
Friends/Relatives
39.4
35.1
42.5
3.9
52.9
5.0
39.1
33.1
39.8
32.7
38.4
39.2
47.9
13.7
39.0
37.5
15.0
52.6
59.1
62.0
20.0
30.0
59.1
54.7
0.0
57.5
59.8
56.6
36.7
80.2
46.3
11.2
18.8
13.2
4453
69.1
76.6
17.5
39.1
95.3
76.9
74.9
38.0
82.8
87.2
74.7
76.2
59.6
58.1
86.6
93.4
65.6
63.2
9.1
68.9
100.0
97.5
95.3
64.0
60.0
21.3
59.6
73.6
42.1
92.5
52.9
15.6
31.3
12.3
7810
Agents
Table S4.2a: Distribution of Households by Their Major Source of Information on Insurance (Rural) (Percentage)
Print Media
19.0
7.0
0.0
15.6
6.1
3.3
2.9
36.2
5.0
3.4
0.0
26.7
8.3
40.4
4.0
6.3
11.1
53.6
77.8
6.3
5.0
35.0
6.3
19.2
40.0
15.0
20.0
16.4
27.7
5.9
30.2
31.6
10.0
41.4
615
Visual Media
27.1
13.4
0.0
62.5
22.2
26.7
1.3
55.2
5.0
6.4
0.0
31.8
17.6
37.0
7.5
36.3
10.1
44.8
62.7
40.0
20.0
40.0
20.0
34.8
45.0
85.0
30.0
31.4
42.5
10.8
27.3
62.0
40.0
70.0
877
Radio/Transistor
20.5
14.7
70.0
9.4
12.1
38.3
6.7
24.1
3.1
16.5
13.8
22.6
10.2
11.6
29.9
1.3
37.4
0.6
76.6
15.6
0.0
15.0
8.8
13.6
30.0
0.0
9.3
17.0
33.8
3.9
31.7
58.2
35.0
43.6
662
Corporate publicity
7.1
7.4
0.0
25.0
6.1
10.0
1.3
18.1
9.4
7.5
0.0
1.4
0.0
5.5
1.5
5.0
1.0
0.0
0.0
0.6
0.0
5.0
0.0
14.2
25.0
35.0
16.4
8.2
16.5
5.9
14.4
21.5
25.0
22.1
231
5.9
8.6
0.0
0.0
2.0
1.7
15.8
7.8
3.8
9.8
11.3
2.7
4.6
6.2
0.5
2.5
0.0
5.0
0.0
3.8
0.0
10.0
0.0
2.4
0.0
5.0
0.7
3.8
10.2
3.9
6.5
15.2
25.0
13.6
191
Publicity vans
2.0
2.2
0.0
0.0
5.1
5.0
0.0
10.3
3.1
0.3
0.0
1.9
5.6
1.4
0.0
0.0
1.0
0.0
0.0
4.4
40.0
0.0
0.0
2.9
0.0
0.0
4.3
2.5
2.7
4.9
3.6
2.5
0.0
0.7
65
Uninsured
Rural camps
80
5.8
8.1
0.0
0.0
0.0
28.3
20.0
9.5
5.0
0.6
10.0
4.2
3.7
7.5
1.0
7.5
3.0
1.7
0.0
1.3
100.0
5.0
0.0
6.2
10.0
0.0
5.7
6.9
8.8
13.7
9.4
7.6
20.0
3.6
189
Friends/Relatives
41.3
36.3
40.0
6.3
47.5
15.0
33.3
47.4
28.1
41.9
33.8
42.2
27.8
14.4
31.3
52.5
18.2
51.9
46.8
78.8
0.0
25.0
70.0
65.8
75.0
80.0
67.1
61.6
32.3
59.8
48.2
8.9
25.0
10.7
1338
42.0
52.9
25.0
46.9
82.8
58.3
38.8
27.6
63.8
60.1
46.3
35.3
47.2
47.3
58.2
52.5
41.4
9.9
1.3
16.3
0.0
60.0
80.0
29.2
15.0
5.0
35.0
28.9
38.3
74.5
46.0
15.2
45.0
16.4
1361
Agents
81
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
Panchayat
0.9
0.9
1.4
0.0
0.3
0.5
0.1
9.4
0.2
0.0
0.0
0.7
0.3
2.9
0.4
0.7
0.6
0.0
0.0
0.0
0.0
1.4
0.7
0.3
0.0
0.0
0.4
0.3
1.6
2.2
0.6
3.6
1.4
1.0
97
Publicity vans
5.4
8.9
10.0
3.2
8.3
1.9
12.7
17.4
2.5
6.6
22.6
2.9
8.9
7.5
2.7
0.4
1.1
0.0
0.0
2.0
0.0
0.0
0.2
1.9
0.0
0.0
2.7
1.7
4.3
2.9
11.5
2.1
1.4
0.8
583
Rural camps
2.5
1.8
1.4
0.6
3.1
0.5
0.4
14.3
0.2
0.5
0.0
0.9
1.0
1.9
1.6
0.7
0.6
0.0
1.4
0.7
0.0
0.0
0.0
0.2
0.0
0.0
0.2
0.1
8.4
1.0
10.7
15.0
7.1
9.5
275
Corporate publicity
17.6
23.5
14.3
31.2
14.6
42.4
17.5
36.3
12.7
27.8
18.6
6.7
1.6
11.8
9.1
11.8
10.0
0.0
0.0
4.3
0.0
8.6
1.4
16.8
2.9
65.7
19.0
11.7
24.1
11.4
13.5
25.0
30.0
41.6
1916
Radio/Transistor
16.6
13.2
61.4
44.8
14.6
7.6
5.9
46.6
7.9
4.0
1.4
11.0
7.3
17.6
9.4
5.4
21.7
2.7
50.7
10.5
0.0
0.0
3.3
19.3
38.6
0.0
11.4
24.9
31.5
10.0
33.6
57.1
40.0
34.1
1806
Visual Media
45.1
30.8
40.0
57.8
26.3
76.2
28.8
40.0
21.6
22.8
19.7
52.7
39.6
66.7
28.2
67.9
44.3
57.5
86.3
72.3
42.9
64.3
53.1
53.0
42.9
80.0
59.2
47.1
57.5
54.0
33.0
61.8
61.4
77.9
4900
Print Media
28.8
20.4
24.3
40.9
8.3
36.7
21.4
33.1
14.3
17.3
6.8
29.7
40.3
44.2
13.7
35.0
9.1
79.5
60.3
31.6
20.0
32.9
32.6
35.4
54.3
21.4
33.5
36.3
40.5
26.5
35.7
36.4
57.1
55.2
3124
Corporate publicity
12.3
16.8
13.3
16.7
8.7
20.0
12.3
38.7
11.7
21.2
2.5
3.5
0.0
5.4
2.0
13.3
10.7
0.8
0.0
2.1
0.0
3.3
0.0
17.2
23.3
53.3
17.1
13.0
15.8
4.8
11.2
22.5
33.3
22.6
586
Radio/Transistor
17.4
13.7
46.7
37.9
16.7
25.6
4.5
50.7
4.6
6.1
0.8
11.7
6.9
12.9
12.1
5.0
20.7
1.6
26.0
14.6
0.0
0.0
6.7
19.3
36.7
0.0
10.5
25.6
35.0
12.9
41.0
56.7
63.3
35.2
830
Visual Media
35.1
23.2
40.0
56.1
27.3
53.3
16.7
49.3
15.0
13.7
1.7
38.1
19.5
61.3
10.7
53.3
26.7
64.6
74.0
44.2
26.7
30.0
18.9
39.9
46.7
83.3
41.4
33.9
52.5
33.0
43.1
55.0
70.0
71.1
1678
Print Media
20.8
13.3
20.0
31.1
10.7
36.7
7.0
30.7
9.2
9.1
2.5
19.0
11.5
41.4
3.7
22.5
4.0
68.5
31.5
9.2
13.3
20.0
5.0
29.9
60.0
26.7
25.2
30.6
34.3
16.7
38.3
36.7
66.7
40.4
991
Agents
70.8
78.6
41.4
49.4
90.6
70.5
90.5
50.6
78.6
85.0
82.4
78.2
82.1
62.3
82.8
88.6
86.3
39.7
31.5
71.3
98.6
78.6
90.0
66.3
62.9
22.9
61.0
74.7
44.9
72.1
56.4
15.0
40.0
28.3
7697
Friends/Relatives
36.2
28.8
41.4
15.3
57.4
4.3
19.6
34.6
48.2
24.2
24.7
37.8
53.7
12.1
25.2
29.6
28.0
86.3
52.1
58.2
25.7
54.3
47.1
58.9
62.9
60.0
56.3
60.2
33.9
63.7
48.6
13.2
11.4
10.5
3929
1.0
0.6
6.7
0.0
0.0
0.0
1.1
2.0
0.0
0.2
0.0
2.1
2.3
4.3
0.3
0.8
0.0
3.9
0.0
6.3
0.0
0.0
0.6
0.7
0.0
0.0
0.0
1.3
1.7
1.9
2.1
3.3
0.0
0.7
46
Publicity vans
3.4
4.3
6.7
0.8
6.7
3.3
3.9
14.7
1.7
3.3
3.3
2.1
18.4
4.8
1.7
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.5
3.3
0.0
6.2
2.0
2.1
3.8
3.2
1.7
0.0
0.4
163
Rural camps
2.5
1.5
0.0
2.3
2.0
1.1
0.8
10.0
0.4
0.2
0.0
0.7
0.0
1.1
0.0
0.0
0.0
1.6
0.0
2.9
0.0
0.0
0.0
0.5
3.3
0.0
0.5
0.3
9.5
0.5
17.0
20.0
16.7
5.9
119
Uninsured
Panchayat
Insured
47.0
58.5
36.7
34.1
81.3
43.3
59.3
45.3
63.3
62.0
62.8
46.9
43.7
67.2
54.0
52.5
50.7
4.7
26.8
19.2
93.3
46.7
81.7
33.6
13.3
0.0
29.5
41.9
31.2
35.9
43.1
17.5
30.0
25.6
2245
Friends/Relatives
Table S4.2b: Distribution of Households by Their Major Source of Information on Insurance (Urban) (Percentage)
Agents
42.6
34.7
16.7
15.2
51.3
14.4
27.9
34.0
42.9
39.7
37.2
49.7
51.7
17.2
31.5
42.5
31.3
55.9
67.7
84.6
13.3
76.7
70.6
63.2
50.0
70.0
70.0
59.1
31.9
59.3
42.0
14.2
0.0
15.2
2033
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
Print Media
23.7
15.8
18.0
38.1
9.9
26.8
14.8
39.0
11.6
10.9
3.2
24.5
30.6
43.0
11.7
29.0
8.7
71.7
60.0
25.9
22.0
28.7
22.7
30.1
52.7
30.0
30.5
27.3
35.6
15.6
34.8
39.1
49.3
47.8
5243
Visual Media
39.4
24.8
29.3
64.4
28.4
68.3
18.4
46.3
17.3
14.8
11.0
46.9
36.9
60.8
24.3
61.3
35.4
48.9
78.9
69.8
41.3
52.7
43.4
52.0
38.7
85.3
56.4
46.3
50.9
31.0
32.7
62.1
52.0
76.3
8743
Radio/Transistor
18.6
14.2
65.3
33.7
12.8
14.5
7.4
38.6
4.9
11.3
10.5
14.8
14.4
15.3
19.1
4.5
29.6
2.2
60.0
12.1
0.0
2.7
5.0
18.3
34.7
0.7
13.3
22.2
35.7
12.1
32.7
62.4
31.3
43.0
4133
Corporate
publicity
14.3
18.2
14.0
35.1
13.2
33.5
10.2
27.1
11.4
22.1
10.9
4.9
1.5
8.1
6.9
7.5
6.9
0.0
0.0
2.5
0.0
6.0
1.4
16.1
14.7
51.3
17.3
11.3
20.5
7.2
15.0
21.1
26.7
34.2
3165
Rural camps
5.4
6.0
0.7
0.7
3.6
3.6
7.4
11.9
1.5
6.3
13.2
2.0
10.1
2.2
1.3
1.0
1.2
0.0
1.1
1.2
0.0
2.7
0.0
1.9
0.7
0.0
0.8
3.2
12.1
8.2
14.8
13.5
14.0
11.8
1193
Publicity vans
4.3
6.2
8.0
2.5
7.7
2.0
6.6
18.7
2.1
4.0
11.5
2.6
13.2
4.0
1.9
0.5
1.5
0.0
0.0
1.3
0.0
0.7
0.1
2.8
0.0
0.0
3.7
2.7
4.0
2.0
8.9
2.5
2.0
2.2
956
Panchayat
3.4
4.1
2.0
0.2
0.3
6.7
9.2
9.5
1.9
0.9
6.7
2.0
5.6
4.4
1.2
4.3
1.6
0.0
0.0
0.0
0.0
4.0
0.4
2.0
0.0
0.0
2.0
2.5
5.1
10.8
2.1
5.2
9.3
2.9
747
Friends/Relatives
37.8
32.1
42.0
11.9
55.0
4.7
30.0
33.8
43.8
28.7
32.1
38.5
50.9
12.9
32.6
33.8
21.0
79.3
53.7
60.3
22.7
41.3
52.3
58.6
61.3
58.7
58.2
58.5
35.3
71.1
47.4
12.1
15.3
11.8
8382
Agents
70.0
77.6
28.7
46.3
93.1
73.9
82.2
44.0
80.8
86.2
78.3
77.1
71.2
60.1
84.8
91.2
75.2
44.6
26.3
70.0
99.3
88.7
92.3
65.1
61.3
22.0
60.3
74.2
43.6
81.2
54.6
15.3
35.3
20.8
15507
Print Media
20.0
10.9
12.0
28.0
8.8
23.3
5.3
33.1
7.5
6.8
1.5
22.4
9.7
41.0
3.8
16.0
6.8
59.7
57.2
8.0
10.0
26.0
5.4
25.9
52.0
22.0
23.1
25.7
31.8
13.2
34.9
34.7
44.0
40.7
1606
Visual Media
31.9
19.4
24.0
57.3
25.3
42.7
10.5
51.9
11.0
10.8
1.0
35.3
18.5
50.6
9.4
46.5
20.1
52.9
67.7
42.5
24.0
34.0
19.2
38.0
46.0
84.0
36.9
33.0
48.8
25.7
36.4
57.8
58.0
70.7
2555
18.6
14.1
56.0
32.3
14.9
30.7
5.3
39.1
4.0
10.3
6.0
16.5
8.7
12.3
19.2
3.5
27.3
1.0
54.0
15.0
0.0
6.0
7.3
17.1
34.0
0.0
10.0
22.6
34.5
10.0
37.0
57.3
52.0
38.0
1492
Radio/Transistor
10.2
13.1
8.0
18.3
7.6
16.0
7.8
29.7
10.8
15.7
1.5
2.6
0.0
5.4
1.8
10.0
6.8
0.3
0.0
1.5
0.0
4.0
0.0
16.0
24.0
46.0
16.9
11.3
16.0
5.1
12.5
22.1
30.0
22.4
817
Corporate
publicity
3.9
4.3
0.0
1.8
2.0
1.3
6.8
9.0
1.8
4.0
4.5
1.6
2.6
3.3
0.2
1.0
0.0
3.6
0.0
3.3
0.0
4.0
0.0
1.2
2.0
2.0
0.6
1.5
9.8
1.6
12.5
18.1
20.0
8.5
310
Rural camps
Table S4.2c: Distribution of Households by Their Major Source of Information on Insurance (Rural + Urban) (Percentage)
2.8
3.5
4.0
0.6
6.0
4.0
2.3
12.8
2.3
2.1
2.0
2.3
11.3
3.3
1.0
1.5
0.4
0.0
0.0
5.5
0.0
0.0
0.0
3.3
2.0
0.0
5.4
2.2
2.3
4.2
3.4
2.0
0.0
0.5
228
Publicity vans
82
Panchayat
2.9
3.5
4.0
0.0
0.0
11.3
8.7
5.3
2.0
0.3
4.0
1.8
3.1
5.7
0.6
3.5
1.2
2.6
0.0
0.5
0.0
2.0
0.4
2.7
4.0
0.0
2.3
3.3
4.3
5.8
5.2
5.0
8.0
1.7
235
Friends/Relatives
42.1
35.3
26.0
13.4
49.8
14.7
30.1
39.8
37.0
40.6
35.8
46.7
38.5
16.0
31.5
46.5
26.1
53.6
56.1
82.3
24.0
56.0
70.4
64.2
60.0
74.0
68.9
60.0
32.1
59.5
44.6
12.1
10.0
13.7
3371
45.0
56.3
32.0
36.6
81.9
49.3
51.1
37.6
63.5
61.2
56.2
42.4
45.6
58.4
55.7
52.5
47.0
7.8
12.6
18.0
96.0
52.0
81.2
32.0
14.0
2.0
31.7
37.4
33.8
48.6
44.3
16.6
36.0
22.4
3606
Agents
83
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
% Households feel
insurance is relevant
97.0
97.4
91.3
95.3
97.3
96.6
98.3
93.7
93.3
99.6
100.0
94.8
95.8
84.0
96.0
90.0
95.7
88.9
90.9
99.2
100.0
97.5
99.7
99.0
100.0
100.0
99.6
98.1
98.4
99.8
98.6
98.8
100.0
96.8
10957
Natural calamity
22.4
19.3
27.4
30.3
26.2
11.7
20.3
30.9
21.1
13.6
15.9
17.9
42.5
17.1
23.3
10.8
16.2
35.5
10.0
16.2
0.0
19.2
0.0
27.1
58.8
8.8
17.7
33.7
34.2
7.8
39.6
29.3
61.3
46.9
2454
Crop failure
18.1
12.7
15.1
3.3
2.6
6.1
17.5
20.8
2.0
13.6
25.3
8.4
16.4
8.9
8.1
4.2
5.5
11.8
20.0
14.5
0.0
0.0
0.0
10.2
27.5
0.0
9.7
9.9
52.9
66.2
33.5
52.4
81.3
59.0
1978
Accidents
68.1
67.7
74.0
63.9
62.6
82.6
76.5
58.1
30.8
76.5
77.2
63.9
55.4
44.1
78.1
85.4
74.8
47.4
95.0
58.1
13.8
79.5
47.3
68.6
21.3
82.5
75.1
67.1
75.8
93.4
79.4
67.8
58.8
66.4
7458
Theft/Burglary
10.6
11.2
8.2
2.5
2.8
6.1
17.5
32.5
2.7
7.0
20.6
4.9
4.6
12.3
3.0
7.6
6.3
0.0
20.0
3.8
0.0
1.3
0.3
4.3
21.3
5.0
2.7
3.5
23.5
18.6
16.1
32.8
15.0
30.3
1159
Physical disability
8.8
5.8
5.5
9.8
20.5
0.4
3.5
19.5
6.5
1.3
0.6
9.0
3.6
3.7
8.0
17.0
14.1
0.0
0.0
16.4
0.0
0.0
0.0
12.8
1.3
7.5
11.1
16.5
12.5
0.5
17.5
15.5
15.0
14.2
961
Chronic illnesses
3.5
3.4
28.8
2.5
5.9
1.3
1.2
12.8
0.0
3.1
0.0
2.6
2.1
3.4
1.2
4.2
3.9
17.8
0.0
4.1
0.0
0.0
0.3
6.4
8.8
1.3
7.0
6.2
3.3
4.3
3.8
4.7
2.5
1.3
385
Economic burden of
higher education
7.5
5.7
1.4
13.1
18.7
2.2
2.5
17.2
6.5
2.1
2.2
7.7
2.1
3.9
11.0
5.2
11.2
59.2
5.0
7.7
0.0
18.0
4.1
14.9
25.0
12.5
14.7
14.2
6.1
0.3
6.1
11.7
1.3
7.7
823
Untimely death
60.7
61.5
16.4
77.1
66.7
76.5
58.1
44.8
89.9
57.2
43.4
71.2
86.8
62.4
67.3
96.5
30.5
53.3
90.0
84.3
95.0
53.9
76.2
70.5
27.5
93.8
76.2
68.1
33.9
6.3
49.7
43.9
20.0
34.1
6654
Investment
21.7
17.6
6.8
4.9
44.4
37.0
10.1
35.9
3.7
17.0
8.1
31.3
30.0
47.7
15.3
11.8
9.4
11.8
20.0
25.4
100.0
46.2
88.4
33.4
71.3
33.8
36.4
25.9
6.6
5.5
16.8
2.2
2.5
0.2
2378
Tax benefit
8.0
3.8
1.4
1.6
2.6
10.4
2.2
7.2
1.2
5.6
0.0
8.6
6.1
31.7
3.9
12.8
3.4
0.0
0.0
2.0
11.3
5.1
11.0
4.4
15.0
1.3
3.4
4.3
19.2
84.9
2.2
4.1
0.0
0.0
872
Others
1.3
0.8
0.0
0.0
0.3
4.3
1.1
1.7
1.0
0.0
0.3
3.2
8.6
10.8
1.3
0.0
0.3
23.7
0.0
0.0
0.0
28.2
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
138
% Households feel
insurance is relevant
97.5
98.1
98.6
96.4
98.3
93.3
98.9
95.4
97.3
99.6
98.2
96.1
88.0
88.8
97.2
94.6
97.7
97.2
100.0
100.0
100.0
95.7
100.0
99.1
100.0
100.0
99.8
98.4
97.6
95.5
98.2
95.7
100.0
99.4
10593
Natural calamity
21.4
15.9
36.2
37.0
24.4
7.1
10.1
26.3
18.4
7.7
4.7
17.3
32.3
19.3
11.6
13.2
19.6
52.1
71.2
7.3
0.0
62.7
9.3
29.3
70.0
14.3
20.9
32.7
36.7
11.3
30.4
32.5
65.7
59.3
2263
Crop failure
7.8
2.8
10.1
0.7
0.9
1.5
1.8
16.5
0.4
1.5
1.5
2.7
0.4
10.6
1.8
2.6
2.0
0.0
4.1
3.0
0.0
0.0
0.2
2.3
1.4
2.9
1.4
2.9
30.9
3.6
26.2
35.1
25.7
54.0
826
Accidents
67.3
73.7
72.5
82.2
62.8
90.4
78.0
36.2
40.0
78.1
71.9
63.0
49.4
59.3
63.3
86.4
80.7
43.7
87.7
70.7
57.1
64.2
34.8
67.6
21.4
84.3
73.2
66.6
71.1
70.6
81.9
67.2
55.7
66.1
7130
Theft/Burglary
10.3
9.5
13.0
6.7
0.9
15.8
12.0
30.2
3.9
4.0
12.4
6.5
10.9
16.9
2.5
5.7
5.0
0.0
9.6
7.5
0.0
0.0
4.5
5.3
21.4
0.0
4.5
4.8
23.0
29.9
15.7
20.2
47.1
22.2
1093
Physical disability
9.9
7.2
13.0
15.5
18.6
0.0
3.0
32.6
2.2
1.1
0.0
9.1
1.1
4.4
8.1
16.2
13.7
28.2
0.0
18.9
0.0
0.0
0.5
16.2
2.9
17.1
12.3
20.2
13.7
7.7
16.7
20.2
32.9
11.0
1050
Chronic illnesses
5.3
4.1
11.6
1.3
3.2
6.1
3.0
16.2
1.8
2.7
0.0
2.7
3.6
2.7
1.8
3.0
3.2
21.1
0.0
3.8
0.0
0.0
0.0
8.0
8.6
0.0
7.2
9.4
10.9
20.3
9.9
6.0
0.0
8.0
562
Economic burden of
higher education
10.2
9.7
14.5
10.1
25.0
2.0
8.9
23.1
8.4
3.7
1.5
10.2
1.1
16.9
11.0
9.1
11.1
52.1
0.0
11.4
7.1
14.9
1.7
15.3
35.7
4.3
10.0
18.0
9.2
12.6
5.2
14.6
2.9
8.3
1081
Untimely death
60.7
66.7
47.8
80.8
55.5
67.4
62.7
50.9
92.7
53.0
45.3
67.6
96.3
57.4
42.3
91.3
47.1
32.4
43.8
84.5
92.9
46.3
87.4
66.7
32.9
88.6
71.4
64.5
41.7
52.0
47.9
44.0
27.1
29.7
6428
Investment
29.9
31.1
7.2
3.4
54.1
36.8
28.5
36.2
7.7
33.4
41.2
39.7
17.8
29.9
40.4
12.8
26.0
46.5
69.9
30.0
94.3
49.3
85.5
42.6
74.3
62.9
44.8
35.8
6.9
10.9
12.5
4.9
0.0
1.0
3167
Tax benefit
11.6
10.5
0.0
4.7
5.8
5.1
7.6
17.4
1.7
15.8
12.0
14.7
22.9
36.2
8.2
25.3
4.4
2.8
0.0
6.6
8.6
6.0
20.5
9.9
12.9
0.0
4.3
14.7
11.4
39.2
7.0
0.0
0.0
0.3
1227
Others
1.5
0.3
0.0
0.3
0.6
3.1
0.0
0.0
0.6
0.0
0.4
4.0
2.5
9.5
9.4
0.4
0.3
7.0
0.0
0.4
0.0
14.9
0.7
0.1
0.0
0.0
0.0
0.1
0.8
1.9
1.2
0.0
0.0
0.0
158
% Households feel
insurance is relevant
97.2
97.7
94.7
96.1
97.7
95.1
98.6
94.5
95.2
99.6
99.2
95.4
91.8
86.3
96.6
92.2
96.6
95.6
97.9
99.6
100.0
96.6
99.9
99.0
100.0
100.0
99.7
98.3
98.0
97.4
98.4
97.3
100.0
98.2
21551
Natural calamity
21.9
17.7
31.7
35.1
25.3
9.6
15.5
28.7
19.8
10.8
10.8
17.6
37.5
18.2
17.8
11.9
17.8
48.9
58.1
12.1
0.0
39.3
5.3
28.2
64.0
11.3
19.2
33.2
35.5
9.7
35.2
30.8
63.3
53.5
4717
Crop failure
13.0
8.1
12.7
1.4
1.8
4.0
10.1
18.7
1.2
8.0
14.3
5.6
8.5
9.7
5.1
3.4
3.9
2.3
7.5
9.1
0.0
0.0
0.1
6.3
15.3
1.3
5.8
6.2
41.8
32.3
30.0
44.4
55.3
56.3
2804
Accidents
67.7
70.4
73.2
76.9
62.7
86.2
77.2
47.6
35.2
77.3
74.8
63.4
52.4
51.5
71.1
85.9
77.6
44.4
89.3
64.0
34.0
72.4
40.2
68.1
21.3
83.3
74.2
66.8
73.4
81.1
80.6
67.5
57.3
66.3
14588
10.4
10.4
10.6
5.5
1.9
10.6
14.9
31.4
3.2
5.6
16.8
5.7
7.7
14.6
2.8
6.7
5.7
0.0
11.8
5.5
0.0
0.7
2.7
4.8
21.3
2.7
3.5
4.2
23.2
24.7
15.9
27.0
30.0
25.9
2252
Theft/Burglary
9.3
6.4
9.2
13.8
19.6
0.2
3.3
25.8
4.5
1.2
0.3
9.1
2.3
4.0
8.0
16.6
13.9
22.7
0.0
17.6
0.0
0.0
0.3
14.5
2.0
12.0
11.7
18.5
13.2
4.4
17.1
17.6
23.3
12.5
2011
4.4
3.7
20.4
1.7
4.6
3.5
2.0
14.4
0.9
2.9
0.0
2.7
2.9
3.1
1.4
3.6
3.6
20.5
0.0
3.9
0.0
0.0
0.1
7.2
8.7
0.7
7.1
7.9
7.1
12.9
6.7
5.3
1.3
4.9
947
Chronic illnesses
Urban
Physical disability
Rural
8.8
7.6
7.7
11.0
21.7
2.1
5.5
20.0
7.4
2.8
1.9
8.9
1.6
10.3
11.0
7.1
11.2
53.5
1.1
9.5
3.3
16.6
2.7
15.1
30.0
8.7
12.5
16.2
7.7
6.9
5.7
13.0
2.0
8.0
1904
Economic burden of
higher education
Table S4.3a: Distribution of Households Reporting Relevance of Insurance by Reasons (Insured) (Percentage)
Untimely death
60.7
63.9
31.7
79.7
61.4
72.3
60.3
47.7
91.2
55.3
44.3
69.4
91.5
60.0
55.5
94.0
38.3
36.4
53.8
84.4
94.0
50.4
82.5
68.6
30.0
91.3
73.9
66.2
37.9
31.1
48.9
43.9
23.3
31.8
13082
Investment
25.7
23.8
7.0
3.8
48.9
36.9
18.7
36.0
5.6
24.6
23.4
35.5
24.0
39.0
27.1
12.3
17.2
39.8
59.1
27.5
97.3
47.6
86.7
38.0
72.7
47.3
40.3
31.1
6.7
8.4
14.8
3.4
1.3
0.6
5545
9.7
6.9
0.7
3.8
4.1
8.0
4.7
12.1
1.4
10.4
5.6
11.6
14.4
33.9
5.9
18.8
3.9
2.3
0.0
4.2
10.0
5.5
16.4
7.1
14.0
0.7
3.8
9.7
15.2
60.2
4.5
2.2
0.0
0.2
2099
Tax benefit
1.4
0.6
0.0
0.2
0.4
3.8
0.6
0.9
0.8
0.0
0.3
3.6
5.6
10.1
5.1
0.2
0.3
10.2
0.0
0.2
0.0
22.1
0.7
0.0
0.0
0.0
0.0
0.1
0.4
1.0
0.6
0.0
0.0
0.0
296
Others
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Southern Region
Western Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Northern Region
All India
State/UT
% Households
feel insurance is
relevant
54.0
62.8
40.0
71.9
67.7
61.7
69.6
38.6
44.0
73.7
62.5
44.7
14.3
17.1
50.0
27.5
55.2
5.6
41.8
86.2
100.0
89.5
97.5
58.1
65.0
75.0
59.3
54.1
52.7
2.0
67.4
79.8
47.4
60.7
1747
Natural calamity
22.2
16.3
0.0
21.7
38.8
5.4
15.6
20.1
7.1
16.3
6.0
18.9
51.8
24.1
21.9
13.6
22.0
0.0
37.9
16.7
0.0
33.5
1.3
22.3
61.5
13.3
4.8
34.9
47.0
0.0
27.8
55.6
73.9
60.0
388
Crop failure
14.4
8.7
37.5
0.0
0.0
0.0
6.0
13.4
0.0
14.8
12.0
10.2
25.9
16.0
5.0
22.7
5.5
9.9
48.5
1.5
0.0
5.6
0.0
10.2
0.0
0.0
7.2
16.3
43.5
50.0
36.3
47.6
42.2
48.2
251
Accidents
64.8
69.8
87.5
60.9
50.7
94.6
64.7
89.3
52.6
74.7
78.0
59.6
51.8
36.1
77.6
63.6
78.7
98.8
97.0
44.2
20.0
89.4
34.6
62.4
15.4
73.3
77.1
53.5
64.8
50.0
91.8
46.0
31.7
52.9
1132
Theft/Burglary
8.4
8.2
0.0
8.7
4.5
2.7
15.6
22.3
2.8
3.4
14.0
2.1
0.0
8.0
1.0
4.5
3.7
0.0
1.5
2.2
0.0
0.0
2.6
6.1
23.1
0.0
2.4
8.1
24.9
0.0
13.9
30.2
52.8
30.6
147
Physical
disability
8.9
5.7
12.5
4.3
34.3
0.0
0.6
20.1
4.3
1.5
0.0
7.3
0.0
8.0
6.0
9.1
9.1
0.0
0.0
17.4
0.0
11.2
0.0
7.6
0.0
0.0
9.6
8.1
22.5
0.0
16.0
30.2
31.7
23.5
155
Chronic illnesses
3.6
2.9
12.5
0.0
1.5
2.7
1.2
8.9
2.8
3.8
0.0
2.3
6.5
8.0
1.0
4.5
0.0
39.5
0.0
2.2
0.0
5.6
0.0
7.1
0.0
0.0
8.4
8.1
5.9
0.0
7.5
6.3
10.6
3.5
63
Economic burden
of higher
education
4.9
2.3
0.0
21.7
0.0
0.0
0.0
11.2
7.1
0.8
0.0
3.8
0.0
0.0
8.0
0.0
3.7
39.5
3.0
2.9
0.0
5.6
0.0
8.6
38.5
6.7
9.6
3.5
12.3
0.0
2.1
20.6
42.2
14.1
86
Untimely death
55.0
50.7
12.5
52.2
50.7
62.2
32.3
55.8
91.0
55.4
24.0
68.6
90.7
40.1
62.7
81.8
20.1
98.8
72.7
88.5
85.0
61.5
76.9
68.0
46.2
86.7
74.7
61.6
28.5
0.0
50.2
23.8
0.0
11.8
961
Investment
16.9
12.7
25.0
4.3
49.3
35.1
1.8
22.3
1.4
11.0
2.0
23.9
38.9
12.0
7.0
0.0
1.8
0.0
15.2
16.7
95.0
16.8
79.5
27.4
53.8
33.3
20.5
29.1
5.9
50.0
10.7
3.2
0.0
2.4
296
Tax benefit
1.3
1.8
0.0
13.0
0.0
10.8
0.6
6.7
0.0
0.8
0.0
0.9
0.0
8.0
0.0
4.5
3.7
0.0
0.0
0.0
0.0
0.0
0.0
0.5
7.7
0.0
0.0
0.0
1.2
100.0
1.1
0.0
0.0
0.0
22
Others
1.7
1.1
0.0
0.0
0.0
2.7
0.0
6.7
5.7
0.0
0.0
2.9
6.5
24.1
3.0
0.0
1.8
9.9
0.0
0.0
0.0
22.4
0.0
1.5
0.0
6.7
0.0
2.3
1.2
50.0
2.1
0.0
0.0
0.0
30
% Households
feel insurance is
relevant
59.6
67.5
26.7
46.2
74.7
58.9
75.6
42.3
59.3
77.5
77.3
54.3
6.5
27.9
72.8
31.7
46.5
1.6
33.9
84.0
96.7
83.3
92.7
55.1
43.3
86.2
58.4
51.0
55.2
15.9
75.7
73.3
60.0
62.6
2845
Natural calamity
20.0
15.1
75.0
14.8
32.1
18.9
11.4
30.0
12.6
9.3
4.3
15.0
70.8
28.9
9.7
23.7
45.8
49.5
44.2
4.5
0.0
72.0
0.0
25.4
46.2
15.5
17.1
31.9
42.2
12.0
35.1
51.1
38.9
49.7
570
Crop failure
9.6
3.3
0.0
0.0
1.8
1.9
2.9
18.9
0.7
2.9
2.1
5.6
0.0
50.0
1.4
0.0
10.0
0.0
27.9
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
2.6
40.4
3.0
36.5
45.5
27.8
49.7
272
Accidents
63.4
75.8
75.0
73.8
54.5
90.6
72.9
58.3
41.4
82.4
71.6
50.8
53.1
57.7
54.4
78.9
77.4
0.0
32.6
54.0
58.6
76.0
24.6
68.0
46.2
85.1
75.1
61.2
64.6
87.0
78.7
56.8
61.1
52.7
1805
Theft/Burglary
8.6
7.8
0.0
11.5
2.7
11.3
9.6
36.3
2.1
3.1
8.6
2.7
17.7
13.5
2.3
0.0
5.7
49.5
0.0
2.5
0.0
0.0
0.0
6.4
15.4
0.0
2.4
9.8
25.1
3.0
18.3
31.8
61.1
27.8
245
8.8
6.0
12.5
23.0
25.0
0.0
1.1
25.2
2.1
1.0
0.0
6.3
0.0
3.8
2.8
15.8
12.9
0.0
0.0
14.9
0.0
4.0
0.0
12.1
0.0
7.7
10.6
15.0
19.7
15.0
16.9
27.3
72.2
13.6
250
Physical
disability
Urban
4.2
2.6
12.5
1.6
1.8
1.9
1.8
15.8
0.7
2.2
0.0
3.2
0.0
17.3
0.5
5.3
0.0
49.5
0.0
6.0
0.0
8.0
0.0
10.5
7.7
3.9
13.1
9.8
6.4
3.0
8.4
12.5
11.1
1.8
119
Chronic illnesses
Rural
56.1
61.2
87.5
68.9
53.6
79.2
51.2
42.6
94.1
50.1
40.6
63.6
70.8
50.0
35.0
86.8
43.0
49.5
0.0
87.8
96.5
68.0
91.1
62.0
53.9
85.1
64.4
56.7
31.3
81.0
47.1
20.5
5.6
16.6
1597
Economic burden
of higher
education
Table S4.3b: Distribution of Households Reporting Relevance of Insurance by Reasons (Uninsured) (Percentage)
Untimely death
84
6.8
5.8
25.0
14.8
13.4
1.9
3.3
18.9
7.0
1.9
0.0
7.2
0.0
5.8
7.8
2.6
0.0
0.0
44.2
2.5
51.7
8.0
0.0
9.9
30.8
3.9
7.3
11.1
12.0
3.0
5.6
14.8
16.7
17.2
194
Investment
22.5
14.3
0.0
3.3
50.9
1.9
3.3
31.5
7.0
14.4
4.3
38.8
0.0
50.0
30.9
5.3
1.4
198.1
67.4
19.8
41.4
12.0
88.7
38.8
61.5
34.8
32.6
42.3
5.3
9.0
12.7
2.3
0.0
0.6
641
Tax benefit
2.6
3.6
12.5
0.0
2.7
1.9
1.5
23.7
1.4
3.4
1.1
1.3
0.0
11.5
0.5
2.6
1.4
0.0
0.0
0.0
3.4
0.0
0.6
4.8
15.4
0.0
3.3
5.9
1.6
9.0
2.1
0.0
0.0
0.6
74
1.8
0.4
0.0
0.0
0.9
1.9
0.0
1.6
0.0
0.2
1.1
5.0
0.0
3.8
14.3
2.6
5.7
49.5
0.0
0.5
0.0
12.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.0
2.8
0.0
0.0
0.0
52
Others
85
% Households feel
insurance is relevant
57.3
65.7
32.0
51.2
71.9
60.0
73.2
40.7
53.2
76.0
71.4
50.1
10.6
23.5
63.6
30.0
50.0
3.9
38.3
84.9
98.0
85.7
94.2
56.2
52.0
81.6
58.7
52.1
54.3
11.3
72.1
75.9
55.1
62.0
4593
State/UT
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
20.9
15.5
37.5
16.7
34.6
13.3
13.0
25.9
10.8
12.0
4.9
16.5
58.3
26.9
13.5
20.0
35.3
8.3
40.4
9.4
0.0
56.0
0.4
24.2
53.8
14.7
12.2
33.0
43.9
11.4
32.2
53.0
50.8
53.2
958
Natural
calamity
11.4
5.4
18.8
0.0
1.1
1.1
4.1
16.6
0.5
7.5
5.6
7.4
19.4
38.4
2.5
8.3
8.0
8.3
40.4
0.6
0.0
2.3
0.0
4.7
0.0
0.0
2.9
7.5
41.5
5.7
36.5
46.4
32.7
49.2
523
Crop
failure
64.0
73.4
81.3
70.2
53.1
92.2
69.8
71.2
45.1
79.4
73.9
54.2
53.4
50.0
61.7
73.3
77.9
82.6
71.6
50.1
42.9
81.7
27.8
65.9
30.8
80.9
75.9
58.4
64.7
85.1
83.9
52.3
50.8
52.8
2938
Accidents
8.5
7.9
0.0
10.7
3.4
7.8
11.9
30.5
2.4
3.2
10.5
2.5
4.9
11.5
1.9
1.7
4.8
8.3
0.9
2.4
0.0
0.0
0.8
6.3
19.2
0.0
2.4
9.2
25.0
2.8
16.5
31.1
58.1
28.7
392
Theft/Burglary
8.8
5.9
12.5
17.9
28.5
0.0
0.9
23.1
2.8
1.2
0.0
6.7
0.0
5.1
3.8
13.3
11.2
0.0
0.0
15.9
0.0
7.0
0.0
10.4
0.0
4.9
10.2
12.5
20.7
14.2
16.5
28.5
58.1
16.9
405
Physical
disability
4.0
2.7
12.5
1.2
1.7
2.2
1.6
12.9
1.4
2.8
0.0
2.8
4.9
14.1
0.6
5.0
0.0
41.3
0.0
4.4
0.0
7.0
0.0
9.2
3.8
2.5
11.2
9.2
6.3
2.8
8.1
9.9
10.9
2.4
182
Chronic
illnesses
6.1
4.4
12.5
16.7
8.4
1.1
2.1
15.7
7.1
1.5
0.0
4.5
0.0
3.8
7.9
1.7
1.6
33.0
1.8
2.7
30.6
7.0
0.0
9.4
34.6
4.9
8.3
8.3
12.1
2.8
4.2
17.2
25.4
16.1
280
Economic burden of
higher education
Table S4.3c: Distribution of Households Reporting Relevance of Insurance by Reasons (Uninsured: Rural + Urban) (Percentage)
55.7
57.0
50.0
64.3
52.5
72.2
44.0
48.1
93.1
52.1
34.9
66.8
87.4
46.1
43.8
85.0
32.9
90.9
61.5
88.1
91.8
65.3
86.6
64.3
50.0
85.8
68.6
58.4
30.3
76.6
48.3
21.9
3.6
15.0
2559
Untimely
death
20.4
13.7
12.5
3.6
50.3
15.6
2.7
27.7
5.2
13.1
3.5
32.9
29.1
37.2
23.3
3.3
1.6
33.0
35.8
18.6
63.3
14.0
85.8
34.4
57.7
34.3
27.7
37.6
5.5
11.4
11.9
2.6
0.0
1.2
937
Investment
2.1
2.9
6.3
3.6
1.7
5.6
1.1
16.6
0.9
2.3
0.7
1.1
0.0
10.2
0.3
3.3
2.4
0.0
0.0
0.0
2.0
0.0
0.4
3.1
11.5
0.0
1.9
3.8
1.4
14.2
1.7
0.0
0.0
0.4
96
Tax benefit
1.8
0.7
0.0
0.0
0.6
2.2
0.0
3.7
1.9
0.1
0.7
4.2
4.9
10.2
10.7
1.7
4.0
16.5
0.0
0.3
0.0
16.3
0.0
0.6
0.0
2.5
0.0
0.8
1.0
2.8
2.5
0.0
0.0
0.0
82
Others
86
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
17.94
13.89
35
15.63
15.15
8.33
5.42
35.96
6.37
14.29
17.5
17.57
28.57
37.4
26.77
36.25
13.54
7.26
12.66
6.29
0
5.26
1.27
23.89
25
25
23.57
23.9
24.48
94.12
4.35
1.27
21.05
7.14
581
47.36
0.96
13.75
1.56
2.74
0.84
0.31
2.60
0.63
0.07
0.00
49.06
35.65
16.48
44.60
34.48
59.68
68.49
15.00
29.81
0.00
95.06
0.00
40.75
100.00
0.00
45.46
34.21
77.97
97.92
66.15
99.67
0.00
20.01
275
46.67
1.00
6.25
0.78
2.24
0.42
0.21
3.65
1.88
0.14
0.00
40.43
16.20
25.64
46.46
10.34
104.44
30.44
5.00
29.81
0.00
0.00
0.00
46.92
80.00
0.00
51.52
44.74
62.09
62.50
82.69
99.67
0.00
70.03
271
Companies
Enjoy
% of HHs
'swallow'
present
who feel
hardinsurance instead of
earned
securing
is not
money
relevant to future
them
Rural
88.68
0.48
0.00
0.00
1.25
0.00
0.31
2.34
0.63
0.07
0.00
86.30
103.71
49.45
63.19
79.31
44.76
60.88
94.99
29.81
0.00
0.00
98.43
87.67
100.00
100.00
81.82
100.00
73.64
77.08
115.77
99.67
71.26
30.01
515
Do not
feel the
need
21.35
0.37
0.00
0.78
0.00
5.04
0.00
0.52
0.16
0.00
0.31
37.70
29.17
38.46
16.73
24.14
14.92
68.49
5.00
39.75
0.00
95.06
0.00
8.64
20.00
100.00
0.00
13.16
14.44
4.17
66.15
99.67
47.51
10.00
124
Others
18.84
15.33
43.33
30.3
12
13.33
10.36
50.34
3.39
11.73
8.4
17.49
50.65
26.26
8.84
35.83
29.86
4.76
30.71
5.88
3.33
10
5.03
31.16
40
6.9
34.93
30
20.57
65.7
6.49
3.33
6.67
4.81
899
41.47
0.71
4.29
0.65
2.00
0.48
0.36
2.57
0.36
0.24
0.00
47.92
34.04
16.38
56.94
25.58
35.72
33.08
97.43
42.52
0.00
0.00
11.04
43.28
41.67
48.31
31.36
53.16
39.76
35.68
81.96
75.08
0.00
38.50
169
42.36
0.71
2.86
2.27
0.57
0.48
0.12
3.43
0.54
0.16
0.00
37.75
38.58
22.52
102.49
25.58
33.49
99.25
2.56
28.34
0.00
0.00
22.09
37.09
50.00
0.00
40.90
33.22
33.83
23.30
73.76
100.10
99.95
77.00
373
Companies
Enjoy
% of HHs
who feel present 'swallow'
hardinsurance instead
earned
of
is not
money
relevant to securing
future
them
Urban
Table S4.3d: Distribution of Households Reporting Relevance of Insurance by Reasons (Insured) (Percentage)
79.61
0.50
1.43
1.30
0.57
0.48
0.12
2.86
0.00
0.08
0.36
67.16
102.12
53.23
45.55
86.05
69.21
66.17
0.00
49.60
100.10
33.33
66.27
88.80
100.00
96.62
73.62
99.67
72.40
74.28
57.37
100.10
49.98
61.60
381
Do not
feel the
need
19.90
0.28
2.86
0.65
0.86
0.00
0.12
0.29
0.18
0.08
0.36
29.40
22.69
36.85
15.18
34.89
22.33
66.17
5.13
28.34
0.00
66.67
22.09
7.87
0.00
0.00
4.09
12.18
20.77
16.02
98.35
0.00
0.00
7.70
716
Others
Rural + Urban
18.48
14.77
40
27.44
13.25
11.33
8.38
44.11
4.58
12.75
12.06
17.52
39.13
30.79
16.06
36
23.33
6.23
20.7
6.05
2
8.16
3.88
28.45
34
14.29
30.37
27.89
22.02
75.08
5.57
2.51
12.24
5.61
1480
43.78
0.84
9.33
0.92
2.40
0.67
0.33
2.59
0.50
0.15
0.00
26.23
26.50
11.20
38.44
30.88
36.14
58.18
35.04
24.81
0.00
32.68
19.83
77.42
100.00
98.04
99.70
66.17
36.10
85.18
87.81
93.01
0.00
5.26
648
44.05
0.86
4.67
1.83
1.46
0.45
0.17
3.54
1.25
0.15
0.00
21.10
22.43
16.48
51.26
20.59
43.67
14.46
1.71
19.29
0.00
0.00
39.65
58.06
100.00
0.00
70.84
50.98
25.37
75.71
19.21
11.63
61.26
12.78
652
Companies
Enjoy
% of HHs
'swallow'
present
who feel
hardinsurance instead of
earned
securing
is not
money
relevant to future
them
83.17
0.49
0.67
0.92
0.93
0.22
0.22
2.59
0.33
0.07
0.17
40.99
78.49
34.93
45.34
88.24
55.72
59.27
16.24
27.56
0.00
32.68
138.78
96.06
85.71
49.02
94.45
98.72
32.52
37.86
74.09
81.39
85.76
8.27
1231
Do not
feel the
need
20.47
0.33
1.33
0.69
0.40
2.68
0.06
0.41
0.17
0.04
0.33
17.93
19.37
25.70
12.81
32.35
18.07
87.82
2.56
22.05
0.00
98.04
39.65
15.05
14.29
49.02
7.87
17.36
24.39
56.78
49.39
2.33
73.51
1.50
303
Others
87
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Southern Region
Western Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Northern Region
All India
State/UT
2.33
1.20
7.50
0.78
0.25
0.84
0.73
5.48
1.10
0.35
1.56
3.24
2.44
4.32
2.14
0.63
3.03
0.00
0.00
7.86
1.25
0.00
0.94
2.65
3.75
1.25
3.04
2.34
3.24
2.27
1.25
0.31
20.00
5.20
263
Only for
rich
3.94
1.59
2.50
2.34
1.25
0.42
0.31
10.97
1.25
0.56
0.31
3.30
17.07
1.82
1.13
0.63
2.78
0.00
0.00
4.58
0.00
1.25
0.94
2.28
6.25
0.00
2.33
2.03
11.85
48.87
2.50
2.18
0.00
2.15
445
Only for
middle class
182
33
0.29
0.15
1.25
0.78
87.98
93.48
88.75
89.84
98.25
97.47
92.98
77.02
89.36
97.64
97.81
87.47
70.03
78.64
93.44
87.15
88.89
73.68
100.00
85.11
98.75
97.50
98.13
90.15
86.25
91.25
90.16
90.48
74.22
44.84
67.14
94.70
78.75
89.78
9943
1.61
0.48
0.00
0.78
0.00
0.42
0.84
1.57
0.63
0.14
0.00
1.54
3.48
2.50
1.51
0.00
2.78
0.00
0.00
1.15
0.00
1.25
0.00
3.68
3.75
1.25
3.22
4.37
2.97
3.02
4.64
2.49
0.00
1.97
0.42
0.10
0.26
0.16
0.07
0.00
0.33
0.00
0.45
0.38
0.63
0.00
0.00
0.00
0.65
0.00
0.00
0.00
0.15
0.00
0.00
0.00
0.31
0.63
0.00
2.14
0.00
0.00
0.00
None
For all
classes
Insured
3.85
3.10
5.47
0.25
0.42
5.03
4.70
7.51
1.25
0.31
0.00
4.13
6.97
12.27
1.39
10.97
2.53
26.32
0.00
0.65
0.00
0.00
0.00
1.10
0.00
6.25
1.25
0.47
7.10
1.01
22.32
0.31
1.25
0.90
435
Can't say
95
74
2.28
1.55
0.00
3.13
0.00
0.00
1.26
0.87
4.38
1.68
0.00
1.53
1.27
2.44
3.08
1.25
2.15
0.56
0.64
1.32
0.00
0.00
1.27
6.53
0.00
0.00
6.43
8.28
2.92
0.00
5.76
1.28
0.00
3.57
2.92
1.72
0.00
6.25
0.00
0.00
0.42
12.17
0.00
0.84
0.00
1.53
5.06
3.25
1.54
0.00
2.15
0.56
0.00
1.97
0.00
5.00
0.00
4.15
10.00
5.00
3.57
3.82
8.35
29.41
0.72
2.56
5.00
4.29
12.68
6.12
30.00
6.25
5.05
22.03
1.68
7.83
5.63
5.60
3.75
20.71
20.25
21.95
16.41
23.75
21.51
16.67
15.29
45.39
25.00
0.00
2.53
18.10
35.00
10.00
20.71
14.65
5.01
13.73
2.16
0.00
5.00
4.29
410
None
0.41
0.43
10.00
0.00
0.00
1.69
0.00
0.87
0.00
0.28
0.00
0.17
0.00
0.00
0.51
0.00
1.08
0.00
0.00
0.00
0.00
0.00
0.00
0.30
0.00
0.00
0.71
0.00
1.04
0.00
2.16
1.28
0.00
0.71
For all
classes
58.40
71.47
55.00
62.50
86.87
72.88
70.17
60.00
41.25
85.43
77.50
47.11
21.52
39.02
57.44
26.25
58.06
10.00
67.52
46.05
75.00
90.00
96.20
52.52
45.00
65.00
51.43
52.87
58.66
50.98
56.83
79.49
40.00
57.14
1890
Uninsured
Only for
poor class
Only for
middle
class
Only for
rich
Table S4.4a: Distribution of Households Based on Their Perception about the Class to Which Insurance Is Relevant (Rural) (Percentage)
13
23.30
18.71
5.00
21.88
8.08
3.39
26.47
18.26
48.75
6.16
18.75
28.95
51.90
33.33
21.03
48.75
15.05
72.22
16.56
5.26
0.00
5.00
0.00
18.40
10.00
20.00
17.14
20.38
24.01
5.88
32.37
15.38
50.00
30.00
754
Can't say
88
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All sample
State/UT
2.52
1.45
1.43
0.98
1.14
3.33
0.60
7.43
0.36
0.79
1.09
2.78
1.60
2.04
2.61
2.50
2.01
0.00
0.00
8.58
0.00
1.43
0.48
2.04
2.86
1.43
1.43
2.44
4.69
3.68
0.78
1.07
1.43
10.63
274
Only for
rich
3.42
2.61
1.43
0.98
4.57
0.95
0.48
20.29
1.08
0.48
0.36
2.81
10.58
3.31
0.58
0.36
0.00
0.00
0.00
7.11
0.00
1.43
0.95
3.32
7.14
1.43
4.09
2.58
6.21
19.63
0.78
4.29
0.00
1.75
372
Only for
middle
class
1.52
0.57
0.00
1.31
0.00
0.00
0.60
1.43
1.08
0.32
0.00
0.90
0.64
1.78
1.16
0.00
1.43
6.94
0.00
0.00
0.00
2.86
0.00
4.45
10.00
0.00
4.91
4.02
2.57
3.07
2.34
5.36
0.00
1.43
165
Only for
poor class
Insured
88.94
93.65
97.14
94.43
94.29
93.81
96.90
69.71
91.74
97.38
98.18
89.02
75.64
83.97
94.35
90.00
95.13
56.94
87.50
83.89
98.57
94.29
98.33
89.06
78.57
95.71
88.75
89.67
78.70
68.10
71.29
88.93
98.57
86.19
9664
For all
classes
0.25
0.12
0.00
0.00
0.00
0.48
0.00
0.29
0.18
0.16
0.00
0.28
0.00
1.02
0.14
0.00
0.00
1.39
0.00
0.21
1.43
0.00
0.24
0.38
1.43
0.00
0.20
0.43
0.40
0.00
1.37
0.36
0.00
0.00
27
None
3.35
1.61
0.00
2.30
0.00
1.43
1.43
0.86
5.57
0.87
0.36
4.21
11.54
7.89
1.16
7.14
1.43
34.72
12.50
0.21
0.00
0.00
0.00
0.75
0.00
1.43
0.61
0.86
7.42
5.52
23.44
0.00
0.00
0.00
364
Can't say
12.56
9.38
10.00
25.00
1.33
21.59
7.30
24.00
6.33
6.13
1.65
17.95
3.95
16.47
13.99
12.61
22.70
4.72
36.22
43.26
0.00
0.00
3.37
17.70
34.48
16.67
16.35
17.11
6.06
18.91
3.21
0.00
0.00
1.85
600
Only for
rich
1.90
1.89
0.00
1.52
0.00
0.00
2.53
10.67
1.27
0.37
1.65
0.87
0.00
2.35
0.00
0.00
0.71
0.00
0.00
2.33
0.00
3.33
1.12
1.95
6.90
0.00
1.44
2.01
3.84
7.46
0.53
6.67
0.00
2.59
91
Only for
middle
class
Table S4.4b: Distribution of Households Based on Their Perception about the Class to Which Insurance Is Relevant (Urban) (Percentage)
1.82
1.22
0.00
4.55
0.00
0.00
1.40
1.33
2.53
0.37
0.83
1.33
0.00
0.59
3.85
0.00
2.13
0.79
0.00
0.93
0.00
6.67
0.00
3.54
6.90
0.00
2.88
4.03
2.85
1.00
3.74
3.33
0.00
3.70
87
Only for
poor
class
63.09
73.03
70.00
51.52
88.00
64.77
71.07
60.67
55.70
85.13
85.95
53.64
11.84
42.94
70.98
44.54
56.74
5.51
37.01
49.77
100.00
86.67
94.94
64.07
48.28
83.33
67.31
61.41
57.80
43.78
59.36
66.67
70.00
61.85
3012
For all
classes
Uninsured
0.66
0.44
3.33
0.76
0.00
1.14
0.00
0.67
0.00
0.56
0.83
0.27
0.00
0.59
0.00
0.84
0.71
0.79
0.00
0.00
0.00
0.00
0.00
0.35
0.00
0.00
0.48
0.34
2.10
3.98
2.67
0.00
0.00
1.48
32
None
19.96
14.04
16.67
16.67
10.67
12.50
17.70
2.67
34.18
7.43
9.09
25.95
84.21
37.06
11.19
42.02
17.02
88.19
26.77
3.72
0.00
3.33
0.56
12.39
3.45
0.00
11.54
15.10
27.35
24.88
30.48
23.33
30.00
28.52
953
Can't say
89
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
2.42
1.32
4.67
0.92
0.67
2.01
0.67
6.41
0.75
0.56
1.34
3.01
2.00
3.24
2.36
1.50
2.55
0.00
0.00
8.17
0.67
0.67
0.68
2.35
3.33
1.33
2.29
2.39
3.98
3.05
1.03
0.67
11.33
8.08
536
Only for
rich
3.68
2.08
2.00
1.39
2.80
0.67
0.39
15.42
1.17
0.52
0.34
3.06
13.69
2.52
0.88
0.50
1.48
0.00
0.00
5.69
0.00
1.33
0.95
2.79
6.67
0.67
3.15
2.32
8.98
32.73
1.68
3.16
0.00
1.94
816
Only for
middle
class
1.57
0.52
0.00
1.15
0.00
0.22
0.72
1.50
0.84
0.22
0.00
1.23
2.00
2.16
1.35
0.00
2.15
5.49
0.00
0.64
0.00
2.00
0.00
4.06
6.67
0.67
4.01
4.19
2.77
3.05
3.54
3.83
0.00
1.68
348
Only for
poor
class
88.45
93.56
92.67
93.07
96.40
95.75
94.82
73.53
90.47
97.52
97.98
88.22
72.95
81.15
93.86
88.48
91.81
60.44
90.43
84.57
98.67
96.00
98.24
89.61
82.67
93.33
89.50
90.06
76.49
57.67
69.12
92.01
88.00
87.88
19607
For all
classes
0.27
0.14
0.67
0.23
0.00
0.45
0.06
0.27
0.17
0.11
0.00
0.30
0.00
0.72
0.27
0.33
0.00
1.10
0.00
0.46
0.67
0.00
0.14
0.26
0.67
0.00
0.10
0.37
0.51
0.00
1.77
0.17
0.00
0.00
60
None
3.61
2.39
0.00
3.23
0.13
0.89
3.34
2.86
6.61
1.07
0.34
4.17
9.35
10.20
1.28
9.18
2.01
32.97
9.57
0.46
0.00
0.00
0.00
0.93
0.00
4.00
0.95
0.67
7.26
3.50
22.85
0.17
0.67
0.42
800
Can't say
12.61
8.10
18.00
21.34
2.81
21.77
5.05
16.98
6.05
5.92
2.49
19.16
12.26
18.77
14.97
17.09
22.22
11.73
24.65
44.14
10.00
0.00
3.11
17.85
34.69
14.00
18.10
16.26
5.67
17.16
2.76
0.00
2.00
2.68
1010
Only for
rich
2.31
1.82
0.00
2.44
0.00
0.00
1.68
11.32
0.76
0.56
1.00
1.16
2.58
2.73
0.62
0.00
1.28
0.33
0.00
2.18
0.00
4.00
0.78
2.77
8.16
2.00
2.30
2.64
5.52
14.85
0.61
5.05
2.00
3.17
185
Only for
middle
class
Table S4.4c: Distribution of Households Based on Their Perception about the Class to Which Insurance Is Relevant (Rural+Urban) (Percentage)
2.01
1.35
0.00
4.27
0.00
0.00
1.35
1.13
3.27
0.89
0.50
1.42
0.65
1.37
3.53
0.50
2.14
0.65
0.35
1.09
0.00
4.00
0.39
4.66
4.08
0.00
4.31
5.49
2.87
0.66
4.60
2.53
0.00
3.66
161
Only for
poor
class
61.20
72.42
64.00
53.66
87.55
68.03
70.71
60.38
49.87
85.25
82.59
50.77
16.77
41.30
65.49
37.19
57.26
8.14
53.87
48.23
90.00
88.00
95.33
59.76
46.94
76.00
60.92
58.46
58.12
46.20
58.28
71.72
58.00
60.24
4903
For all
classes
0.34
0.21
0.50
0.85
0.33
0.00
0.00
0.00
0.00
0.00
0.33
0.00
0.00
0.57
0.22
1.71
2.64
2.45
0.51
0.00
1.22
45
0.56
0.44
6.00
0.61
0.00
1.36
0.00
0.75
0.00
0.45
0.50
0.22
None
21.31
15.87
12.00
17.68
9.64
8.84
21.21
9.43
40.05
6.93
12.94
27.27
67.74
35.49
15.18
44.72
16.24
78.83
21.13
4.36
0.00
4.00
0.39
14.63
6.12
8.00
13.79
16.92
26.11
18.48
31.29
20.20
38.00
29.02
1707
Can't say
90
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
Western Region
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
10.52
7.98
8.75
3.17
4.99
7.98
6.58
14.92
9.74
8.48
3.76
7.36
4.84
2.92
3.96
8.52
7.83
0.00
9.09
16.30
5.00
2.56
6.58
8.71
12.50
23.75
7.76
7.19
23.43
45.84
9.82
7.81
31.25
29.01
1189
Saving tools
20.51
21.37
21.25
8.73
1.50
26.89
13.88
18.32
27.89
31.71
14.42
15.78
19.38
22.47
13.81
10.73
16.67
5.56
13.64
18.50
1.25
21.79
9.40
25.33
53.75
18.75
23.83
23.91
23.43
11.84
27.86
23.44
25.00
27.03
2318
Protection tool
Insured
49.69
46.72
32.50
15.08
1.00
52.10
59.81
50.52
32.01
53.34
70.53
53.37
75.43
63.15
26.47
53.31
32.58
88.89
77.27
57.68
93.75
75.64
83.70
49.26
33.75
48.75
53.61
47.50
50.52
42.07
56.96
67.81
42.50
41.26
5615
Both
19.28
23.92
37.50
73.02
92.52
13.03
19.73
16.23
30.36
6.47
11.29
23.49
0.35
11.46
55.75
27.44
42.93
5.56
0.00
7.52
0.00
0.00
0.31
16.69
0.00
8.75
14.80
21.41
2.62
0.25
5.36
0.94
1.25
2.70
2179
None
Table S4.5a: Distribution of Households Based on Their Perception about Insurance as a Tool (Rural) (Percentage)
9.95
6.75
5.00
0.00
4.08
10.17
0.85
10.34
4.86
12.61
0.00
11.59
29.76
4.27
3.59
10.00
6.59
5.07
7.01
30.57
20.00
0.00
13.75
9.52
10.00
20.00
12.32
5.70
13.96
50.98
5.76
2.53
15.00
1.43
322
Saving tools
15.63
19.11
10.00
12.90
2.04
25.42
3.81
20.69
13.19
38.10
8.75
12.64
10.71
9.40
12.31
5.00
14.29
8.70
12.10
21.66
10.00
30.00
12.50
18.45
45.00
5.00
19.57
15.82
12.50
28.43
10.79
7.59
10.00
5.71
506
Protection tool
Uninsured
26.45
18.58
30.00
9.68
0.00
38.98
7.20
32.76
14.58
23.81
23.75
38.89
28.57
28.21
8.21
20.00
13.19
74.64
65.61
34.39
70.00
65.00
68.75
18.75
25.00
20.00
18.84
17.72
21.04
18.63
48.20
5.06
0.00
7.86
856
Both
47.97
55.57
55.00
77.42
93.88
25.42
88.14
36.21
67.36
25.49
67.50
36.87
30.95
58.12
75.90
65.00
65.93
11.59
15.29
13.38
0.00
5.00
5.00
53.27
20.00
55.00
49.28
60.76
52.50
1.96
35.25
84.81
75.00
85.00
1553
None
91
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
9.27
7.34
5.71
2.98
4.87
1.94
2.26
20.06
13.24
8.53
2.87
6.02
3.51
2.68
3.68
3.23
6.10
1.47
24.66
15.03
4.29
2.86
3.10
9.89
12.86
5.71
10.45
9.63
18.31
17.01
9.18
17.86
17.14
27.11
1007
Saving tools
20.79
21.16
25.71
15.23
2.58
19.90
16.69
14.61
35.18
28.76
12.54
13.48
16.61
15.09
11.18
13.98
13.66
2.94
41.10
15.74
5.71
17.14
7.38
33.01
45.71
7.14
27.46
38.22
23.98
23.16
17.97
24.64
20.00
29.67
2259
Protection tool
Insured
53.60
51.55
45.71
27.48
9.74
67.48
73.78
50.72
26.88
56.97
74.19
57.93
76.04
69.83
17.94
50.90
53.78
95.59
34.25
62.08
90.00
77.14
89.52
47.51
41.43
87.14
51.64
41.24
54.78
55.94
69.73
56.79
42.86
42.11
5824
Both
16.35
19.95
22.86
54.30
82.81
10.68
7.27
14.61
24.70
5.74
10.39
22.57
3.83
12.41
67.21
31.90
26.45
0.00
0.00
7.16
0.00
2.86
0.00
9.59
0.00
0.00
10.45
10.92
2.93
3.89
3.13
0.71
20.00
1.12
1777
None
Table S4.5b: Distribution of Households Based on Their Perception about Insurance as a Tool (Urban) (Percentage)
9.98
8.99
6.67
3.05
1.34
2.25
1.97
25.33
9.55
14.23
6.61
12.11
11.69
9.94
2.50
4.20
4.26
3.41
37.01
30.80
0.00
0.00
6.70
10.04
3.33
26.67
11.96
7.69
8.26
20.00
5.35
6.67
3.33
2.60
476
Saving tools
17.60
21.12
6.67
6.11
4.03
28.09
21.35
12.67
24.55
33.52
5.79
12.11
19.48
7.60
5.36
4.20
9.22
3.41
29.13
19.41
34.48
16.67
9.50
28.87
66.67
3.33
34.45
23.75
11.96
21.46
8.56
6.67
0.00
10.78
840
Protection tool
Uninsured
25.99
20.73
33.33
14.50
6.04
33.71
9.27
43.33
16.36
24.91
28.10
36.33
12.99
56.73
5.71
21.85
15.60
75.00
29.92
32.91
58.62
73.33
81.01
19.89
13.33
46.67
24.88
14.38
22.93
21.95
52.94
11.67
6.67
9.67
1241
Both
46.43
49.16
53.33
76.34
88.59
35.96
67.42
18.67
49.55
27.34
59.50
39.45
55.84
25.73
86.43
69.75
70.92
18.18
3.94
16.88
6.90
10.00
2.79
41.20
16.67
23.33
28.71
54.18
56.84
36.59
33.16
75.00
90.00
76.95
2217
None
92
All India
North Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
9.91
7.68
7.33
3.04
4.93
5.18
4.56
17.37
11.33
8.50
3.34
6.70
4.15
2.80
3.83
6.04
7.03
1.16
21.05
15.71
4.67
2.70
4.60
9.30
12.67
15.33
9.02
8.46
20.83
29.94
9.51
12.50
24.67
28.00
2197
Saving tools
20.65
21.27
23.33
13.32
2.00
23.65
15.19
16.55
31.21
30.34
13.55
14.65
17.94
18.93
12.59
12.25
15.27
3.49
34.74
17.21
3.33
19.59
8.25
29.13
50.00
13.33
25.53
31.36
23.71
18.08
23.13
24.00
22.67
28.43
4577
Protection tool
51.60
49.03
38.67
23.83
5.07
59.23
66.33
50.62
29.68
55.03
72.24
55.61
75.75
66.36
22.50
52.18
42.43
94.19
44.21
59.73
92.00
76.35
87.01
48.39
37.33
66.67
52.69
44.24
52.69
49.72
63.06
62.67
42.67
41.71
11438
Both
17.84
22.03
30.67
59.81
88.00
11.94
13.91
15.46
27.79
6.13
10.87
23.04
2.16
11.92
61.08
29.53
35.27
1.16
0.00
7.35
0.00
1.35
0.14
13.18
0.00
4.67
12.76
15.94
2.78
2.26
4.29
0.83
10.00
1.86
3955
None
9.97
8.11
6.00
2.47
2.43
5.41
1.52
18.80
7.69
13.58
3.98
11.88
21.12
7.64
2.95
6.53
5.17
4.42
20.42
30.71
8.16
0.00
8.88
9.85
6.00
24.00
12.10
7.00
10.38
30.29
5.52
5.03
8.00
2.20
799
Saving tools
Table S4.5c: Distribution of Households Based on Their Perception about Insurance as a Tool (Rural + Urban) (Percentage)
16.81
20.34
8.00
7.41
3.24
27.03
14.36
16.17
20.05
35.35
6.97
12.34
14.91
8.33
8.21
4.52
11.21
6.64
19.72
20.30
24.49
22.00
10.42
25.00
58.00
4.00
28.53
21.01
12.16
23.78
9.51
7.04
4.00
9.05
1347
Protection tool
26.17
19.89
32.00
13.58
3.64
35.81
8.45
38.72
15.66
24.47
26.37
37.45
21.12
45.14
6.74
21.11
14.66
74.78
49.65
33.50
63.27
70.00
77.22
19.47
18.00
36.00
22.48
15.54
22.23
20.85
50.92
9.05
4.00
9.05
2096
Both
47.05
51.66
54.00
76.54
90.69
31.76
75.68
26.32
56.59
26.60
62.69
38.33
42.86
38.89
82.11
67.84
68.97
14.16
10.21
15.48
4.08
8.00
3.47
45.69
18.00
36.00
36.89
56.46
55.23
25.08
34.05
78.89
84.00
79.71
3769
None
93
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Full
28.91
40.65
7.59
4.69
31.92
13.56
65.28
22.57
5.03
50.55
68.03
13.94
11.11
7.61
13.48
21.25
22.61
27.78
0.00
19.22
2.50
5.00
3.13
20.43
23.75
16.25
18.21
22.46
33.47
1.76
37.43
35.31
50.00
48.74
3267
State/UT
All India
41.38
32.72
40.51
28.91
23.19
23.73
20.33
47.77
43.55
37.17
28.53
41.41
76.04
56.82
28.97
26.56
29.15
66.67
100.00
47.97
18.75
21.25
41.88
50.62
61.25
63.75
48.75
49.30
55.46
96.73
29.77
63.13
47.50
48.56
4676
Part
Insured
2.40
1.18
11.39
0.00
0.00
1.69
0.83
5.77
0.94
0.28
0.31
4.34
2.08
11.41
2.64
0.94
2.01
0.00
0.00
1.56
0.00
30.00
7.81
3.01
0.00
0.00
4.11
2.81
1.41
0.25
2.50
1.25
2.50
1.08
271
None
27.32
25.45
40.51
66.41
44.89
61.02
13.56
23.88
50.47
12.00
3.13
40.30
10.76
24.16
54.91
51.25
46.23
5.56
0.00
31.25
78.75
43.75
47.19
25.94
15.00
20.00
28.93
25.43
9.66
1.26
30.30
0.31
0.00
1.62
3087
Can't say
13.98
27.50
5.00
6.25
21.21
1.67
42.68
17.24
1.27
35.01
56.25
3.03
5.95
3.25
4.06
1.25
7.53
0.57
0.00
4.40
0.00
5.00
2.50
7.96
5.00
0.00
8.57
8.81
12.71
18.63
20.86
2.53
15.00
5.71
453
Full
20.11
15.69
20.00
18.75
15.15
8.33
7.95
32.76
8.92
17.93
21.25
22.71
15.48
21.95
9.14
12.50
16.13
8.52
82.80
16.98
5.00
10.00
15.00
21.24
35.00
45.00
18.57
18.87
23.54
72.55
10.07
16.46
0.00
8.57
651
Part
Table S4.6a: Distribution of Households Based on Their Perception about the Extent to Which Insurance Can Replace Physical Losses (Rural) (Percentage)
None
2.21
1.29
10.00
3.13
0.00
3.33
0.84
3.45
0.64
0.56
1.25
3.53
20.24
7.32
2.54
1.25
4.30
1.14
0.00
0.63
0.00
15.00
0.00
0.59
0.00
0.00
0.71
0.63
2.29
0.00
7.19
0.00
0.00
0.71
72
Uninsured
63.70
55.52
65.00
71.88
63.64
86.67
48.54
46.55
89.17
46.50
21.25
70.73
58.33
67.48
84.26
85.00
72.04
89.77
17.20
77.99
95.00
70.00
82.50
70.21
60.00
55.00
72.14
71.70
61.46
8.82
61.87
81.01
85.00
85.00
2062
Can't say
94
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
State/UT
Part
43.73
38.65
52.86
38.24
26.86
23.33
34.64
56.57
43.55
40.95
31.18
43.21
62.94
60.05
21.88
36.79
20.81
64.79
100.00
59.71
28.57
5.71
42.62
58.69
77.14
61.43
55.51
58.80
45.39
64.97
34.18
52.86
38.57
36.67
4752
Full
29.23
37.41
17.14
16.34
31.71
14.29
50.83
24.29
10.93
48.65
68.46
15.18
19.49
4.36
13.07
24.64
28.61
4.23
0.00
22.12
1.43
1.43
8.57
21.37
22.86
31.43
15.51
24.32
40.39
13.24
37.11
39.29
61.43
62.38
3176
Insured
2.43
1.37
7.14
1.63
0.00
10.00
0.60
4.29
0.72
0.24
0.00
4.28
4.79
6.78
2.35
1.07
5.49
0.00
0.00
0.54
0.00
55.71
4.29
2.26
0.00
0.00
3.47
1.86
1.71
3.05
0.98
3.57
0.00
0.63
264
None
24.61
22.57
22.86
43.79
41.43
52.38
13.93
14.86
44.80
10.16
0.36
37.32
12.78
28.81
62.70
37.50
45.09
30.99
0.00
17.63
70.00
37.14
44.52
17.68
0.00
7.14
25.51
15.02
12.51
18.74
27.73
4.29
0.00
0.32
2674
Can't say
14.83
25.80
6.67
3.79
22.15
1.11
34.92
19.33
5.46
36.06
52.89
3.91
5.19
1.73
3.77
4.17
9.15
0.00
0.00
7.53
0.00
3.33
2.78
10.70
0.00
16.67
7.62
13.33
13.97
7.66
20.74
13.33
10.00
14.87
708
Full
19.71
18.00
26.67
14.39
17.45
14.44
12.29
45.33
10.92
16.73
25.62
19.27
10.39
30.06
7.19
13.33
7.04
7.14
83.46
18.41
3.33
3.33
15.56
30.00
36.67
46.67
32.86
25.67
17.16
37.32
16.49
8.33
3.33
7.43
941
Part
Table S4.6b: Distribution of Households Based on Their Perception about the Extent to which Insurance Can Replace Physical Losses (Urban) (Percentage)
None
2.96
1.83
3.33
5.30
0.00
5.56
0.84
6.00
0.42
0.93
1.65
4.62
28.57
8.67
2.74
5.00
3.52
0.00
0.79
0.00
0.00
16.67
5.00
1.58
0.00
0.00
2.86
1.00
3.31
2.39
7.98
2.50
0.00
1.49
141
Uninsured
62.50
54.37
63.33
76.52
60.40
78.89
51.96
29.33
83.19
46.28
19.83
72.20
55.84
59.54
86.30
77.50
80.28
92.86
15.75
74.06
96.67
76.67
76.67
57.72
63.33
36.67
56.67
60.00
65.56
52.63
54.79
75.83
86.67
76.21
2984
Can't say
95
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhandl
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
State/UT
29.06
39.10
12.08
12.90
31.82
13.90
58.53
23.39
7.79
49.67
68.23
14.55
15.47
6.05
13.29
22.83
25.40
8.99
0.00
20.57
2.00
3.33
6.22
20.89
23.33
23.33
16.95
23.43
36.99
11.57
32.71
31.50
46.00
48.16
6442
Full
42.53
35.56
46.31
35.48
24.90
23.54
27.02
51.98
43.55
38.93
29.77
42.30
69.22
58.37
25.69
31.33
25.27
65.17
100.00
53.43
23.33
14.00
42.30
54.61
68.67
62.67
51.90
54.25
50.33
56.71
29.43
39.50
28.00
27.92
9428
Part
Insured
2.41
1.27
9.40
1.15
0.00
5.61
0.72
5.06
0.84
0.26
0.17
4.31
3.49
9.19
2.51
1.00
3.63
0.00
0.00
1.09
0.00
42.00
5.81
2.64
0.00
0.00
3.81
2.31
1.56
2.86
2.86
3.25
0.00
0.89
534
None
25.99
24.07
32.21
50.46
43.28
56.95
13.73
19.56
47.82
11.14
1.84
38.84
11.81
26.40
58.51
44.83
45.70
25.84
0.00
24.92
74.67
40.67
45.68
21.86
8.00
14.00
27.33
20.00
11.11
28.86
35.00
25.75
26.00
23.03
5761
Can't say
14.49
26.47
6.00
4.27
21.77
1.33
38.02
18.42
3.80
35.64
54.23
3.52
5.59
2.36
3.89
3.00
8.51
0.33
0.00
6.28
0.00
4.00
2.69
9.68
2.00
10.00
8.00
11.76
13.50
11.25
20.80
9.05
12.00
11.74
1161
Full
19.87
17.09
24.00
15.24
16.53
12.00
10.55
39.85
10.13
17.21
23.88
20.77
13.04
26.69
7.98
13.00
10.64
7.95
83.10
17.84
4.00
6.00
15.38
26.73
36.00
46.00
27.14
23.31
19.52
48.87
13.76
11.56
2.00
7.82
1592
Part
2.66
1.62
6.00
4.88
0.00
4.67
0.84
4.89
0.51
0.78
1.49
4.15
24.22
8.11
2.66
3.50
3.83
0.66
0.35
0.25
0.00
16.00
3.46
1.21
0.00
0.00
2.00
0.87
2.93
1.61
7.65
1.51
0.00
1.22
213
None
Uninsured
Table S4.6c: Distribution of Households Based on Their Perception about the Extent to Which Insurance Can Replace Physical Losses (Rural + Urban) (Percentage)
62.98
54.82
64.00
75.61
61.69
82.00
50.59
36.84
85.57
46.37
20.40
71.56
57.14
62.84
85.48
80.50
77.02
91.06
16.55
75.63
96.00
74.00
78.46
62.38
62.00
44.00
62.86
64.05
64.04
38.26
57.80
77.89
86.00
79.22
5045
Can't say
96
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
State/UT
25.78
2.50
6.25
3.44
23.22
21.25
27.50
23.57
22.62
30.22
2.26
24.42
36.25
48.75
49.91
2981
Full
26.38
30.48
8.75
4.69
28.68
3.39
51.41
9.95
3.76
38.56
47.19
19.95
9.72
16.37
12.12
55.00
29.59
31.58
Part
43.03
38.46
37.50
28.91
22.44
18.64
36.60
51.05
35.84
44.80
44.38
37.63
78.13
56.50
24.49
10.00
15.82
57.89
100.00
38.91
25.00
16.25
62.19
51.95
73.75
48.75
46.43
54.45
57.20
96.98
36.90
62.19
48.75
47.58
4863
Rural
Insured
None
2.12
2.53
8.75
0.78
0.00
0.85
2.09
9.95
2.19
1.80
2.50
2.74
3.47
6.05
1.77
0.31
1.79
0.00
0.00
0.31
0.00
33.75
1.56
0.88
0.00
0.00
1.25
0.78
0.94
0.00
1.78
1.25
2.50
0.36
240
Can't say
28.47
28.54
45.00
65.63
48.88
77.12
9.91
29.06
58.22
14.84
5.94
39.69
8.68
21.08
61.62
34.69
52.81
10.53
0.00
35.00
72.50
43.75
32.81
23.95
5.00
23.75
28.75
22.15
11.64
0.75
36.90
0.31
0.00
2.15
3217
Full
8.17
10.86
0.00
6.25
21.21
1.67
5.44
11.21
1.91
18.21
10.00
5.53
4.76
5.69
6.63
15.00
17.20
0.56
0.64
5.00
0.00
5.00
3.75
8.26
5.00
5.00
9.29
8.18
8.13
13.73
10.07
2.53
10.00
5.00
264
Part
19.14
12.59
15.00
21.88
14.14
6.67
5.86
30.17
5.10
16.81
1.25
21.71
15.48
19.51
5.61
7.50
7.53
7.22
81.53
18.13
10.00
15.00
28.75
23.60
55.00
30.00
20.71
21.38
25.42
76.47
12.95
16.46
5.00
8.57
620
Rural
Uninsured
Table S4.6d: Distribution of Households Based on Their Perception about the Extent to Which Insurance Can Replace Financial Losses (Rural) (Percentage)
None
3.28
4.22
25.00
0.00
0.00
3.33
1.67
7.76
1.27
4.48
13.75
3.52
21.43
9.76
2.55
2.50
1.08
0.56
0.00
1.25
0.00
5.00
0.00
0.00
0.00
0.00
0.00
0.00
2.71
0.00
7.91
1.27
0.00
0.71
106
Can't say
69.42
72.33
60.00
71.88
64.65
88.33
87.03
50.86
91.72
60.50
75.00
69.24
58.33
65.04
85.20
75.00
74.19
91.67
17.83
75.63
90.00
75.00
67.50
68.14
40.00
65.00
70.00
70.44
63.75
9.80
69.06
79.75
85.00
85.71
2247
97
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Full
27.42
31.57
10
10.46
26
3.81
48.21
20.63
9.5
42.86
44.8
16.5
14.7
12.59
7.36
55
19.42
5.56
0.0
22.86
0.0
1.43
10.24
27.99
18.57
41.43
23.27
30.9
36.41
22.4
17.97
35
60
60.32
2979
Part
45.38
42.54
58.57
44.44
26
24.76
43.69
57.02
37.28
44.76
49.46
43.03
69.01
64.65
17.32
16.43
22.61
62.5
100
52.86
64.29
5.71
55.71
56.43
81.43
54.29
56.12
54.36
47.96
63.34
41.6
56.79
40
38.1
4931
Urban
Insured
None
2.03
1.89
10
0.65
0.57
8.1
0.95
6.59
0.54
0.95
2.15
3.26
5.43
3.15
4.04
0.71
0.87
0.0
0.0
0.54
0.0
55.71
0.71
0.38
0.0
0.0
0.2
0.57
1.36
0.61
2.34
1.43
0.0
1.27
221
Can't say
25.17
23.99
21.43
44.44
47.43
63.33
7.14
15.76
52.69
11.43
3.58
37.2
10.86
19.61
71.28
27.86
57.1
31.94
0.0
23.75
35.71
37.14
33.33
15.2
0.0
4.29
20.41
14.16
14.27
13.65
38.09
6.79
0.0
0.32
2735
Full
10.47
13.66
10
0.76
19.33
3.33
11.98
18
3.38
21.15
15.7
5.45
6.49
6.9
3.07
18.33
6.94
0.0
0.0
7.11
0.0
3.33
4.44
12.96
3.33
20
12.86
13.29
11.14
12.92
7.98
6.67
10
14.07
500
Part
19.67
16.65
23.33
18.94
18.67
11.11
7.8
47.33
10.97
17.81
8.26
20.38
7.79
33.33
4.1
7.5
9.72
7.87
83.46
19.25
3.33
3.33
28.33
28.9
56.67
40
25.24
27.57
18.6
36.84
19.15
15
0.0
7.78
939
Urban
Uninsured
Table S4.6e: Distribution of Households Based on Their Perception about the Extent to Which Insurance Can Replace Financial Losses (Urban) (Percentage)
None
3.15
3.71
6.67
5.3
0.0
4.44
2.23
5.33
1.27
3.34
14.05
3.5
29.87
1.72
3.07
4.17
5.56
0.0
0.79
0.0
0.0
16.67
0.0
0.53
0.0
0.0
0.95
0.33
3.06
1.44
8.51
3.33
0.0
0.74
150
Can't say
66.71
65.98
60
75
62
81.11
77.99
29.33
84.39
57.7
61.98
70.67
55.84
58.05
89.76
70
77.78
92.13
15.75
73.64
96.67
76.67
67.22
57.62
40
40
60.95
58.8
67.2
48.8
64.36
75
90
77.41
3185
98
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
All India
State/UT
Part
44.18
40.41
47.33
39.86
24.10
21.52
39.91
53.90
36.51
44.78
46.74
40.30
73.38
60.42
21.14
13.00
19.00
61.54
100.00
45.42
43.33
11.33
58.51
54.16
77.33
51.33
50.95
54.40
52.50
78.40
39.14
59.67
44.67
42.54
9793
Full
26.89
31.00
9.33
8.76
27.43
3.59
49.92
15.05
6.43
40.56
46.08
18.25
12.31
14.55
9.90
55.00
24.83
10.99
0.00
24.42
1.33
4.00
7.30
25.58
20.00
34.00
23.43
26.94
33.37
13.39
21.34
35.67
54.00
55.43
5961
2.08
2.22
9.33
0.69
0.27
4.26
1.56
8.34
1.42
1.41
2.34
3.00
4.49
4.66
2.83
0.50
1.36
0.00
0.00
0.42
0.00
44.00
1.08
0.63
0.00
0.00
0.76
0.67
1.15
0.34
2.05
1.33
1.33
0.84
461
None
Insured
26.85
26.36
34.00
50.69
48.20
70.63
8.62
22.71
55.64
13.25
4.84
38.46
9.82
20.37
66.13
31.50
54.82
27.47
0.00
29.75
55.33
40.67
33.11
19.63
2.67
14.67
24.86
17.99
12.98
7.87
37.47
3.33
0.00
1.18
5952
Can't say
9.55
12.57
6.00
1.83
20.08
2.67
9.36
15.04
2.79
19.98
13.43
5.49
5.59
6.40
4.50
17.00
10.97
0.33
0.35
6.27
0.00
4.00
4.23
11.21
4.00
14.00
11.43
11.52
10.02
13.18
8.87
5.03
10.00
10.98
765
Full
19.46
15.06
20.00
19.51
16.87
9.33
7.02
39.85
8.63
17.41
5.47
20.96
11.80
27.61
4.70
7.50
8.86
7.49
82.39
18.80
6.00
8.00
28.46
26.92
56.00
36.00
23.43
25.43
21.13
49.84
16.51
15.58
2.00
8.05
1559
Part
3.20
3.91
14.00
4.27
0.00
4.00
2.01
6.39
1.27
3.79
13.93
3.51
25.47
5.05
2.86
3.50
3.80
0.33
0.35
0.50
0.00
12.00
0.00
0.33
0.00
0.00
0.57
0.22
2.93
0.96
8.26
2.51
0.00
0.73
256
None
Uninsured
Table S4.6f: Distribution of Households Based on Their Perception about the Extent to Which Insurance Can Replace Financial Losses (Rural + Urban) (Percentage)
67.80
68.46
60.00
74.39
63.05
84.00
81.61
38.72
87.31
58.82
67.16
70.04
57.14
60.94
87.93
72.00
76.37
91.86
16.90
74.44
94.00
76.00
67.31
61.54
40.00
50.00
64.57
62.83
65.92
36.01
66.36
76.88
88.00
80.24
5431
Can't say
99
Easy
marketability
10.98
3.07
13.75
6.25
2.99
6.30
0.42
16.93
2.97
0.42
0.31
11.29
18.15
10.35
6.63
1.25
2.74
0.00
27.27
30.63
0.00
7.50
3.44
13.59
21.25
12.50
9.29
16.54
27.50
16.58
25.67
24.61
22.50
39.46
1241
State/UT
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Easy liquidity
14.37
8.80
47.50
7.03
22.69
14.29
4.06
39.32
3.28
1.25
0.94
14.44
6.85
20.70
8.14
34.06
7.98
10.53
50.00
24.38
0.00
5.00
0.63
23.14
46.25
8.75
15.89
28.39
21.35
18.34
30.66
16.51
30.00
15.71
1624
Transferability
10.19
5.36
1.25
0.00
11.72
1.26
0.63
47.14
0.47
0.21
0.63
10.74
20.89
17.18
6.26
9.06
23.44
31.58
54.55
5.47
0.00
2.50
0.31
9.63
23.75
1.25
9.29
9.20
21.20
1.76
22.28
41.43
26.25
21.61
1152
Appreciation
28.11
36.66
11.25
7.81
64.34
19.33
49.58
17.97
35.47
32.04
39.69
16.69
10.62
3.96
13.89
13.75
8.98
0.00
0.00
49.53
0.00
2.50
4.06
42.98
31.25
50.00
49.82
37.60
17.50
3.27
15.86
29.60
27.50
20.89
3177
19.13
12.43
13.75
13.28
22.19
23.11
8.23
37.50
2.34
10.54
2.81
15.99
21.58
26.21
10.51
27.81
13.97
26.32
40.91
7.66
11.25
5.00
19.06
17.12
28.75
10.00
11.96
21.06
42.19
79.40
16.58
61.06
35.00
31.61
2162
Tax benefits
Insured
Usefulness in
emergency
51.58
55.50
2.50
42.19
36.41
14.29
56.15
42.71
52.66
75.10
59.38
40.68
69.86
40.75
52.57
50.63
35.66
68.42
45.45
35.78
3.75
1.25
7.50
74.50
57.50
82.50
81.25
69.73
45.42
69.60
46.17
31.46
37.50
36.61
5829
No benefits
1.19
0.67
1.25
0.00
0.25
5.88
0.31
2.08
0.63
0.00
0.00
2.19
0.34
2.20
3.00
2.19
0.00
0.00
0.00
1.25
2.50
25.00
0.94
0.29
0.00
0.00
0.54
0.16
1.30
0.75
1.78
2.80
0.00
0.54
135
Any other
benefits
5.97
2.98
11.25
0.00
10.22
3.78
0.21
12.24
3.59
0.28
0.63
13.80
9.59
15.42
1.75
0.00
1.00
15.79
0.00
14.38
13.75
30.00
70.94
1.76
0.00
1.25
0.71
2.96
2.14
1.76
4.63
1.25
0.00
0.71
675
Can't say
14.38
15.68
27.50
42.97
24.69
50.42
6.98
9.38
19.38
12.90
3.44
22.99
13.36
20.70
27.66
34.06
26.18
21.05
9.09
10.00
72.50
38.75
19.06
2.72
0.00
2.50
1.79
3.90
4.17
2.51
9.80
0.31
1.25
2.32
1625
Easy
marketability
2.38
1.12
0.00
9.38
3.03
0.00
0.00
3.45
0.00
0.56
1.25
3.91
2.78
2.05
1.00
0.00
0.00
0.00
20.25
5.00
0.00
0.00
1.25
0.29
5.00
0.00
0.00
0.00
2.92
2.94
2.88
3.80
0.00
2.86
258
Easy liquidity
4.32
3.78
5.00
6.25
10.10
5.00
0.83
22.41
0.00
0.00
0.00
4.63
0.00
9.59
0.50
1.25
3.03
0.55
19.62
3.75
0.00
0.00
1.25
5.90
5.00
0.00
3.57
8.81
3.75
0.98
7.91
2.53
0.00
2.86
470
Transferability
3.34
2.75
0.00
0.00
2.02
0.00
0.00
25.00
0.63
0.00
0.00
4.31
3.70
6.85
2.99
0.00
9.09
1.10
12.03
2.50
0.00
0.00
0.00
2.36
10.00
0.00
1.43
2.52
2.92
0.00
5.04
2.53
0.00
3.57
363
Appreciation
8.84
15.88
0.00
3.13
43.43
3.33
18.75
16.38
4.38
13.41
25.00
2.55
1.85
0.00
2.49
5.00
3.03
0.00
0.00
9.38
0.00
0.00
3.75
17.40
15.00
25.00
22.14
12.58
2.08
1.96
2.88
0.00
5.00
2.14
960
Uninsured
4.63
6.09
10.00
9.38
20.20
6.67
0.42
25.86
2.50
1.96
0.00
3.35
0.93
3.42
1.99
5.00
6.06
2.76
7.59
1.25
0.00
0.00
3.75
5.01
15.00
0.00
5.71
3.77
4.17
7.84
2.16
6.33
10.00
1.43
504
Tax benefits
Table S4.7a: Distribution of Households by Their Perception about Benefits of Insurance vis--vis Other Avenues of Savings (Rural) (Percentage)
Usefulness in
emergency
16.13
19.57
0.00
15.63
28.28
5.00
5.83
20.69
14.38
36.31
1.25
9.34
14.81
6.16
13.93
8.75
17.17
11.05
6.96
5.63
0.00
0.00
0.00
34.51
40.00
35.00
37.86
30.82
12.50
6.86
37.41
0.00
0.00
0.71
1752
No benefits
2.01
1.72
0.00
0.00
2.02
5.00
0.00
3.45
2.50
0.84
5.00
1.68
0.00
3.42
3.98
3.75
0.00
0.00
0.00
1.25
0.00
10.00
1.25
3.83
15.00
0.00
2.86
3.77
2.29
1.96
0.72
8.86
0.00
0.71
218
Any other
benefits
2.93
2.32
20.00
0.00
3.03
5.00
0.00
7.76
3.75
0.56
0.00
5.19
1.85
3.42
0.00
0.00
2.02
2.76
3.80
2.50
10.00
10.00
46.25
0.29
0.00
0.00
0.00
0.63
0.42
0.00
0.00
1.27
0.00
0.71
319
62.84
59.66
70.00
65.63
38.38
76.67
75.83
43.97
55.63
55.59
68.75
64.57
57.41
17.12
69.65
83.75
53.54
85.64
70.89
75.00
90.00
80.00
51.25
49.56
25.00
45.00
47.86
54.72
75.42
87.25
47.48
82.28
90.00
88.57
6828
Can't say
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhandl
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Easy marketability
11.74
3.24
12.86
3.25
1.71
2.86
1.55
16.29
3.75
1.03
0.72
15.58
46.01
11.11
3.28
2.86
4.00
13.70
90.41
35.71
0.00
2.86
1.19
9.93
21.43
4.29
5.10
12.73
24.66
15.68
21.68
18.93
11.43
38.10
1276
Easy liquidity
14.74
8.94
41.43
9.09
11.43
5.24
6.30
40.57
6.25
2.70
2.15
17.62
17.57
29.47
7.83
34.64
7.43
9.59
61.64
30.89
0.00
2.86
0.95
20.84
37.14
2.86
14.08
25.75
18.20
15.07
25.98
20.36
27.14
12.38
1602
Transferability
10.83
6.08
8.57
6.17
13.14
0.95
1.55
46.86
0.36
0.32
0.36
13.71
37.06
17.87
14.39
10.36
14.86
13.70
47.95
6.61
0.00
1.43
0.24
8.65
20.00
0.00
3.06
12.30
17.60
11.20
16.41
39.29
25.71
13.02
1177
Appreciation
27.88
35.09
18.57
12.01
71.71
18.10
39.36
26.00
40.71
32.20
31.90
17.68
3.19
7.97
18.23
16.79
17.43
0.00
0.00
53.21
0.00
7.14
1.43
48.38
51.43
82.86
58.98
37.20
15.83
6.72
10.94
37.86
37.14
14.76
3029
28.70
22.06
21.43
16.88
30.86
30.48
17.84
50.57
4.46
24.43
12.19
26.44
37.06
39.86
12.82
42.14
24.00
24.66
27.40
18.21
14.29
21.43
33.57
35.52
32.86
5.71
27.76
44.21
42.06
42.16
15.43
61.79
60.00
52.86
3118
Tax benefits
Insured
Usefulness in
emergency
52.65
63.49
30.00
51.62
39.14
33.81
75.15
45.43
54.29
78.43
76.34
36.99
55.27
47.83
36.04
50.00
37.14
41.10
45.21
40.00
15.71
1.43
8.81
71.78
55.71
78.57
73.88
71.24
42.97
54.58
56.05
31.07
31.43
29.84
5721
No benefits
1.46
0.95
0.00
0.32
0.86
13.33
0.00
1.43
0.54
0.00
0.00
1.35
0.32
0.48
1.00
3.93
0.29
1.37
0.00
0.18
0.00
30.00
0.00
0.45
0.00
0.00
0.20
0.72
3.43
5.09
1.76
2.86
1.43
3.97
159
Can't say
12.58
13.15
18.57
32.47
20.86
30.95
7.02
9.43
15.71
9.60
1.43
18.29
14.38
14.25
19.66
26.43
27.71
41.10
0.00
5.00
32.86
14.29
24.76
1.81
0.00
0.00
1.63
2.29
9.03
17.72
9.77
4.29
1.43
4.60
1367
Easy marketability
2.51
1.38
3.33
2.27
2.67
0.00
0.28
6.67
0.42
0.74
0.83
2.92
1.15
3.76
1.68
0.00
0.67
0.00
14.17
5.42
0.00
0.00
0.56
3.15
3.33
0.00
2.86
3.65
3.79
1.44
10.64
0.83
0.00
2.59
120
Easy liquidity
4.96
4.80
3.33
3.79
12.00
1.11
0.84
36.00
0.00
0.93
0.00
4.89
0.00
6.99
4.03
9.17
0.67
0.00
19.69
5.83
0.00
0.00
0.56
5.78
3.33
0.00
4.76
7.31
4.90
2.87
12.77
4.17
3.33
1.48
237
Transferability
3.39
4.25
3.33
1.52
8.00
0.00
0.28
39.33
0.42
0.19
0.00
2.22
1.15
5.38
4.36
2.50
3.33
0.00
2.36
0.00
0.00
0.00
0.00
2.28
3.33
0.00
0.95
3.32
4.53
0.96
6.91
10.00
0.00
3.70
162
11.92
18.66
0.00
3.79
50.00
1.11
23.96
12.67
9.17
14.29
43.80
3.68
0.00
2.15
5.70
3.33
2.67
0.00
0.79
10.42
0.00
0.00
1.67
22.94
13.33
46.67
27.14
18.60
5.14
1.91
6.38
7.50
3.33
5.93
569
Appreciation
Table S4.7b: Distribution of Households by Their Perception about Benefits of Insurance vis--vis Other Avenues of Savings (Urban) (Percentage)
Uninsured
6.83
7.79
0.00
3.79
24.00
6.67
1.39
44.67
0.83
3.71
0.00
4.25
1.15
4.84
2.01
10.00
2.67
0.00
18.11
1.67
3.33
3.33
3.33
12.78
36.67
0.00
7.62
15.28
5.51
3.83
5.32
10.83
3.33
4.81
326
Tax benefits
100
Usefulness in
emergency
19.19
26.01
0.00
16.67
36.67
6.67
21.73
33.33
14.58
41.00
3.31
7.87
4.60
2.69
12.08
12.50
8.67
2.36
10.24
14.17
0.00
0.00
0.56
39.75
30.00
70.00
51.43
29.57
11.51
14.35
29.79
0.83
0.00
2.59
916
No benefits
3.12
2.60
0.00
4.55
0.00
21.11
1.11
4.67
2.92
0.74
0.00
2.29
0.00
0.54
3.02
6.67
5.33
0.00
0.00
2.50
0.00
10.00
0.56
2.80
0.00
3.33
1.43
3.99
6.12
15.79
2.13
2.50
0.00
3.70
149
56.14
49.64
96.67
65.15
31.33
70.00
54.60
20.00
49.58
49.17
52.89
62.67
80.46
24.19
59.40
74.17
70.00
92.13
70.08
67.50
43.33
60.00
56.67
39.40
36.67
3.33
30.95
49.17
69.65
63.64
46.81
82.50
93.33
81.85
2680
Can't say
101
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhandl
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Easy marketability
11.35
3.15
13.33
4.13
2.40
4.69
0.94
16.62
3.33
0.70
0.50
13.40
32.56
10.71
5.06
2.00
3.33
10.87
75.79
33.00
0.00
5.33
2.16
11.78
21.33
8.67
7.33
14.55
26.06
16.09
23.77
21.96
17.33
38.74
2517
Easy liquidity
14.55
8.86
44.67
8.49
17.44
10.04
5.11
39.92
4.67
1.92
1.50
16.01
12.40
24.88
7.99
34.33
7.72
9.78
58.95
27.42
0.00
4.00
0.81
22.01
42.00
6.00
15.05
27.01
19.75
16.54
28.42
18.30
28.67
13.95
3226
Transferability
10.51
5.70
4.67
4.36
12.38
1.12
1.05
47.00
0.42
0.26
0.50
12.20
29.26
17.51
10.06
9.67
19.44
17.39
49.47
6.00
0.00
2.00
0.27
9.14
22.00
0.67
6.38
10.82
19.37
6.97
19.48
40.43
26.00
17.06
2329
Appreciation
28.00
35.91
14.67
10.78
67.78
18.75
44.81
21.80
37.92
32.11
36.06
17.18
6.78
5.88
15.92
15.17
12.92
0.00
0.00
51.25
0.00
4.67
2.57
45.65
40.67
65.33
54.10
37.39
16.65
5.17
13.51
33.44
32.00
17.65
6206
Tax benefits
23.82
17.05
17.33
15.83
26.23
26.56
12.72
43.73
3.33
17.02
7.18
21.13
29.59
32.72
11.59
34.50
18.64
25.00
30.53
12.58
12.67
12.67
27.30
26.21
30.67
8.00
19.33
33.13
42.12
58.83
16.03
61.40
46.67
42.86
5280
Usefulness in
emergency
52.10
59.33
15.33
48.85
37.68
23.44
65.02
44.01
53.42
76.66
67.28
38.86
62.31
44.12
44.84
50.33
36.35
46.74
45.26
37.75
9.33
1.33
8.24
73.16
56.67
80.67
77.81
70.52
44.17
61.30
50.89
31.28
34.67
33.03
11550
No benefits
1.33
0.80
0.67
0.23
0.53
9.38
0.17
1.77
0.58
0.00
0.00
1.78
0.33
1.38
2.07
3.00
0.13
1.09
0.00
0.75
1.33
27.33
0.41
0.37
0.00
0.00
0.38
0.45
2.38
3.15
1.77
2.83
0.67
2.35
294
Can't say
13.50
14.46
23.33
35.55
22.90
41.29
7.00
9.40
17.67
11.36
2.50
20.68
13.88
17.63
23.92
30.50
26.90
36.96
2.11
7.67
54.00
27.33
22.30
2.27
0.00
1.33
1.71
3.06
6.64
10.91
9.79
2.16
1.33
3.53
2992
Easy marketability
2.46
1.28
2.00
3.66
2.81
0.00
0.17
5.26
0.25
0.67
1.00
3.36
2.05
3.01
1.40
0.00
0.40
0.00
17.54
5.25
0.00
0.00
0.77
2.09
4.00
0.00
1.71
2.39
3.47
1.93
7.34
2.01
0.00
2.68
197
Easy liquidity
4.71
4.40
4.00
4.27
11.24
2.67
0.83
30.08
0.00
0.56
0.00
4.77
0.00
8.13
2.61
6.00
1.61
0.32
19.65
5.00
0.00
0.00
0.77
5.82
4.00
0.00
4.29
7.83
4.47
2.25
10.70
3.52
2.00
1.95
377
3.37
3.66
2.00
1.22
5.62
0.00
0.17
33.08
0.50
0.11
0.00
3.15
2.56
6.02
3.81
1.50
5.62
0.65
7.72
1.00
0.00
0.00
0.00
2.31
6.00
0.00
1.14
3.04
3.93
0.64
6.12
7.04
0.00
3.66
270
Appreciation
10.67
17.57
0.00
3.66
47.39
2.00
21.87
14.29
7.25
13.94
36.32
3.18
1.03
1.20
4.41
4.00
2.81
0.00
0.35
10.00
0.00
0.00
2.31
20.88
14.00
38.00
25.14
16.52
4.01
1.93
4.89
4.52
4.00
4.63
855
5.94
7.12
4.00
4.88
22.49
6.67
1.00
36.47
1.50
3.01
0.00
3.85
1.03
4.22
2.00
8.00
4.02
1.62
12.28
1.50
2.00
2.00
3.46
9.89
28.00
0.00
6.86
11.30
5.01
5.14
3.98
9.05
6.00
3.66
476
Tax benefits
17.95
23.49
0.00
16.46
33.33
6.00
15.36
27.82
14.50
39.13
2.49
8.52
10.26
4.22
12.83
11.00
12.05
7.47
8.42
10.75
0.00
0.00
0.38
37.80
34.00
56.00
46.00
30.00
11.87
11.90
33.03
0.50
0.00
1.95
1438
Usefulness in
emergency
Transferability
Table S4.7c: Distribution of Households by Their Perception about Benefits of Insurance vis--vis Other Avenues of Savings (Rural + Urban) (Percentage)
No benefits
2.67
2.25
0.00
3.66
0.80
14.67
0.67
4.14
2.75
0.78
1.99
2.02
0.00
1.81
3.41
5.50
3.21
0.00
0.00
2.00
0.00
10.00
0.77
3.19
6.00
2.00
2.00
3.91
4.70
11.25
1.53
5.03
0.00
2.68
214
58.84
53.56
86.00
65.24
34.14
72.67
63.11
30.45
52.00
51.73
59.20
63.51
67.69
21.08
63.53
78.00
63.45
88.31
70.53
70.50
62.00
68.00
55.00
43.19
32.00
20.00
37.71
51.09
71.78
71.38
47.09
82.41
92.00
84.15
4714
Can't say
All India
North Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
East Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman & Diu
Goa
Gujarat
Maharashtra
South Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
% of Households aware
about lifeinsurance
Policies
97.23
98.01
96.00
97.47
97.47
92.17
99.50
96.04
97.23
99.07
98.66
93.98
94.34
80.42
90.26
95.99
96.78
97.78
96.77
99.67
100.00
100.00
100.00
99.74
99.33
99.33
100.00
99.63
99.31
99.33
98.88
99.67
98.00
99.66
21553
Security purposes
61.24
65.03
57.64
84.71
77.05
83.07
52.85
57.17
75.17
61.69
36.55
64.57
73.24
70.20
69.60
69.45
62.05
80.04
95.72
73.41
34.00
88.00
23.51
69.14
67.12
94.63
70.95
65.09
46.52
28.20
39.40
49.41
23.81
67.88
13200
Daughter's marriage
19.25
14.12
9.03
29.41
40.03
1.45
6.19
24.54
8.74
12.29
5.08
14.42
2.10
15.47
21.92
8.51
21.74
6.67
6.53
10.03
16.00
6.67
16.89
13.68
10.74
6.04
12.95
15.43
43.45
27.07
41.47
46.58
26.53
57.93
4148
18.56
12.22
16.67
24.47
22.54
5.33
7.37
32.49
9.08
7.92
4.91
17.07
2.28
13.32
19.34
12.15
29.58
60.03
1.09
20.07
6.67
17.33
13.38
22.36
34.90
18.12
17.81
25.02
33.38
24.23
41.94
27.55
54.42
32.88
4000
Children s education
Insured
Tax benefits
11.85
9.97
9.72
6.35
3.69
8.23
11.05
28.80
1.63
10.79
4.06
11.47
10.34
30.37
5.98
23.79
6.33
5.56
7.61
5.69
10.00
3.33
12.57
10.62
11.41
1.34
6.57
14.76
18.21
61.83
2.92
9.52
40.14
1.10
2554
Risk coverage
43.44
44.12
27.78
48.47
27.73
76.29
44.59
42.98
44.82
40.70
36.38
51.60
64.83
43.26
47.61
61.64
51.73
45.58
3.26
24.50
94.00
57.33
89.46
49.50
22.82
75.84
54.76
45.39
27.53
58.55
30.44
13.86
12.93
10.54
9363
Others
0.94
0.49
2.08
0.00
0.82
2.18
0.00
1.99
0.51
0.04
0.34
2.16
4.20
4.01
2.51
0.52
0.28
4.45
0.00
0.67
0.00
22.00
0.14
0.15
0.00
0.00
0.10
0.22
0.52
1.02
0.66
0.33
0.00
0.17
202
% of Households aware
about life insurance
policies
62.23
56.45
28.00
38.41
67.47
43.24
59.90
53.58
44.35
68.65
35.50
57.92
17.14
52.81
45.23
45.00
31.82
53.92
44.91
89.47
96.00
92.00
95.75
77.25
64.00
94.00
81.43
73.70
73.05
53.87
65.03
89.95
80.00
84.88
4985
Security purposes
51.95
60.56
92.86
65.09
92.86
67.84
48.49
51.22
33.26
63.66
33.63
47.38
44.88
11.41
50.95
46.67
51.75
86.11
76.57
62.87
39.58
82.61
8.03
60.46
71.88
87.23
61.75
54.57
43.59
16.71
24.45
52.51
57.50
62.07
2590
Daughter's marriage
15.75
10.30
14.29
22.22
29.76
7.71
2.23
18.24
5.07
8.28
1.40
7.39
0.00
5.13
15.95
5.56
15.15
0.00
0.78
4.47
8.33
6.52
14.06
7.54
6.25
0.00
7.37
8.85
46.97
10.15
38.56
52.51
57.50
65.80
785
Uninsured
11.05
6.76
14.29
26.99
7.14
4.63
2.79
28.07
2.82
3.25
0.00
10.20
2.99
2.28
11.96
3.33
17.67
42.15
3.13
8.94
0.00
4.35
4.02
11.24
12.50
4.26
10.18
12.98
20.69
5.97
24.45
26.26
7.50
24.14
551
Childern's education
Table S4.8: Distribution of Households by Their Awareness and Views of Benefits of Life Insurance Policies (Rural + Urban) (Percentage)
18.05
12.97
14.29
3.17
25.60
4.63
9.48
31.57
12.40
8.12
11.21
23.69
26.93
5.13
7.98
30.00
8.83
13.85
39.85
31.30
18.75
2.17
49.01
20.20
0.00
8.51
18.25
25.37
16.99
8.36
13.64
20.67
40.00
18.68
900
102
Tax benefits
5.34
6.08
0.00
6.35
4.17
7.71
5.02
26.66
1.13
3.90
0.00
4.88
2.99
9.13
5.76
13.33
11.36
1.20
16.41
0.56
2.08
0.00
1.21
7.25
50.00
0.00
2.81
7.96
3.91
9.55
3.29
2.79
2.50
2.30
266
Risk coverage
39.30
44.36
57.14
41.27
44.64
70.92
40.69
51.22
62.01
35.08
21.02
39.56
32.91
6.27
43.86
40.00
54.27
50.58
0.00
19.84
93.75
67.39
87.17
43.96
28.13
57.45
52.63
36.28
30.29
64.46
39.50
19.55
32.50
13.51
1959
3.77
1.86
21.43
9.52
0.60
7.71
0.00
4.91
2.25
0.65
0.00
5.80
71.81
3.42
4.87
2.22
7.57
18.06
0.00
0.84
2.08
23.91
0.40
0.85
0.00
0.00
1.05
0.88
1.79
5.97
2.35
0.56
2.50
0.00
188
Others
103
51.16
All India
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Southern Region
Western Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhandl
70.00
50.00
32.67
30.74
60.47
64.40
26.79
61.58
77.16
47.23
59.66
66.05
29.97
48.25
34.88
39.69
83.75
51.26
30.00
59.60
52.75
56.82
57.00
53.00
54.00
59.75
48.60
83.20
29.61
42.86
57.00
44.92
7438
State/UT
45.86
37.47
32.86
81.25
24.49
74.23
14.19
51.24
50.39
48.36
15.88
54.79
62.86
40.37
56.39
73.58
46.44
41.57
46.43
74.86
50.00
28.52
31.75
49.69
43.86
86.79
41.53
52.72
27.50
52.76
6.24
18.69
27.50
35.89
3411
38.14
33.84
34.29
70.00
80.81
26.20
9.10
55.90
57.86
36.36
11.66
30.54
38.97
22.71
22.02
34.72
19.50
68.03
33.83
36.09
3.33
36.91
23.22
40.79
77.19
28.30
36.51
41.21
36.30
46.23
13.55
42.37
53.75
46.07
2837
Only OPD
8.47
4.63
4.29
2.50
3.06
4.37
0.55
36.34
0.00
0.72
0.00
8.41
15.50
14.13
7.34
8.29
16.06
0.00
2.65
1.95
0.00
25.17
0.00
7.56
7.02
1.89
6.61
9.00
11.15
1.76
9.27
10.59
32.50
16.96
630
32.11
27.36
28.57
22.50
28.77
28.38
29.08
46.58
9.80
23.01
31.43
33.93
19.69
21.95
27.03
50.26
28.67
8.82
61.69
39.26
66.67
18.46
45.50
29.92
14.04
9.43
32.54
32.01
25.21
67.09
11.41
20.25
13.75
13.75
2388
Only hospitalisation
Cashless facility
17.20
22.09
4.29
3.75
3.06
3.27
32.66
38.51
6.53
15.25
40.18
14.30
30.59
15.64
16.35
15.03
5.16
11.34
4.64
10.97
6.67
3.36
13.74
9.94
0.00
7.55
8.99
12.13
8.65
1.01
18.89
3.43
1.25
7.86
1279
Others
6.23
6.41
14.29
2.50
2.45
17.47
15.57
5.59
3.27
0.36
7.78
10.77
32.27
4.54
4.00
0.52
10.32
66.77
5.31
1.22
3.33
57.05
5.21
0.52
0.00
0.00
0.00
1.05
1.15
0.50
1.43
3.43
0.00
0.18
463
No benefits
3.80
5.93
0.00
1.25
0.00
12.01
13.09
0.62
8.87
2.89
7.45
3.26
0.00
9.08
4.34
3.63
2.87
0.00
0.00
0.24
0.00
13.42
0.95
1.97
0.00
0.00
3.44
1.26
0.26
0.00
0.71
0.31
0.00
0.00
283
56.11
54.58
66.00
59.77
34.80
48.15
55.72
64.93
32.73
61.64
69.90
58.26
65.04
69.15
42.86
57.50
41.67
70.26
82.50
65.07
44.90
67.00
64.99
68.99
43.00
58.00
67.10
74.07
47.03
63.04
22.60
48.50
43.00
53.39
8776
49.35
48.31
65.15
74.53
27.01
69.23
24.08
48.98
48.12
52.91
24.32
51.95
73.03
57.12
39.90
60.87
48.48
27.04
57.58
64.16
60.13
37.31
32.06
50.43
44.19
82.76
43.86
52.38
31.67
43.58
5.27
23.93
40.00
46.35
4331
37.95
39.24
24.24
49.05
80.46
18.00
23.78
46.20
60.34
32.99
22.89
25.40
6.92
20.25
27.53
41.30
17.28
74.72
32.12
27.28
2.23
20.90
15.13
47.38
69.77
24.14
43.43
50.36
35.55
23.63
7.42
47.50
51.43
60.63
2137
Only OPD
9.26
5.72
12.12
4.94
0.57
2.08
2.54
36.96
1.91
0.81
0.00
6.20
0.77
7.47
4.67
15.65
9.12
0.00
24.24
3.46
0.00
16.42
0.00
10.07
11.63
6.90
6.81
12.29
14.78
4.28
6.45
26.43
25.71
23.33
1055
Urban
33.58
29.63
31.82
19.77
26.44
19.38
29.31
41.89
18.33
27.04
30.40
39.44
17.30
14.70
33.13
50.00
38.40
9.25
93.94
46.30
93.54
23.88
55.39
29.07
20.93
3.45
28.53
31.86
23.55
36.86
12.89
10.71
12.86
28.73
521
Only hospitalisation
Rural
Cashless facility
18.22
27.74
22.73
37.26
9.20
25.61
31.41
20.64
15.28
21.63
46.85
11.80
12.30
11.57
3.27
11.74
11.04
19.93
18.18
10.76
22.27
1.49
17.44
13.35
0.00
8.62
12.35
15.12
10.24
9.57
16.02
6.43
0.00
8.89
257
Others
6.19
3.57
7.58
1.52
1.72
4.85
8.08
3.70
3.06
0.45
4.29
14.36
46.13
19.28
6.30
1.74
2.88
83.26
0.61
0.38
0.00
56.72
3.85
0.53
0.00
0.00
0.21
0.81
0.55
1.22
0.98
0.00
0.00
0.00
127
No benefits
2.48
3.61
4.55
1.52
4.02
2.77
7.93
0.31
1.53
2.07
4.29
2.42
0.38
2.89
8.63
3.91
2.88
0.00
0.00
0.19
0.00
1.49
0.51
1.75
0.00
0.00
2.98
1.22
0.35
0.61
0.20
0.71
0.00
0.16
63
53.73
54.12
68
57.17
33.73
39.46
58.09
64.66
29.74
61.61
73.54
52.89
62.48
67.55
36.42
52.88
38.26
55.01
83.06
58.16
37.37
63.32
60.08
63.23
50
55.5
60.54
67.67
47.76
71.45
26.11
45.68
50
49.69
16215
47.75
42.86
48.53
76.09
25.79
71.20
18.94
50.11
49.18
50.63
19.89
53.17
68.02
48.98
46.68
66.66
47.57
32.27
52.28
68.88
56.19
33.16
31.96
50.13
44.00
84.68
42.83
52.54
50.86
53.77
18.60
44.33
53.00
65.28
3551
38.03
36.52
29.41
53.93
80.64
21.19
16.14
51.04
59.26
34.67
17.00
27.63
22.21
21.47
25.26
38.29
18.30
72.26
32.95
31.16
2.68
28.43
17.98
44.59
74.00
26.13
40.35
46.80
60.36
36.16
33.92
83.73
82.00
85.15
2829
Only OPD
8.90
5.17
8.09
4.37
1.78
2.97
1.51
36.65
1.05
0.77
0.00
7.16
7.80
10.73
5.77
12.29
12.28
0.00
13.94
2.79
0.00
20.53
0.00
9.01
9.00
4.50
6.73
11.00
22.39
3.27
24.62
35.30
47.00
32.95
662
32.90
28.48
30.15
20.41
27.57
22.88
29.19
44.23
14.50
25.02
30.94
37.02
18.41
18.26
30.62
50.11
33.98
9.09
78.57
43.20
82.95
21.32
51.93
29.43
17.00
6.31
30.32
31.94
41.55
55.52
39.39
30.37
20.00
35.34
2447
Cashless facility
17.75
24.90
13.24
29.44
6.23
16.95
32.06
29.54
11.35
18.44
43.34
12.89
21.01
13.57
8.65
13.24
8.36
16.82
11.72
10.85
16.06
2.37
16.15
11.91
0.00
8.11
10.85
13.96
16.83
6.76
58.82
9.30
1.00
13.84
1320
Rural + Urban
Only hospitalisation
Table S4.9: Distribution of Households by Their Awareness and Views of Benefits of Health Insurance Policies (Insured) (Percentage)
Others
6.20
4.99
11.03
1.75
2.08
9.75
11.98
4.64
3.15
0.41
6.12
12.79
39.41
12.09
5.35
1.18
6.27
77.26
2.85
0.75
1.34
56.85
4.33
0.53
0.00
0.00
0.12
0.90
1.53
1.28
3.83
3.28
0.00
0.13
461
3.09
4.77
2.21
1.46
2.08
6.36
10.62
0.46
4.83
2.48
5.95
2.78
0.20
5.92
6.86
3.78
2.88
0.00
0.00
0.21
0.00
7.11
0.67
1.85
0.00
0.00
3.19
1.23
0.97
1.17
1.91
1.37
0.00
0.25
230
No benefits
All India
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
Southern Region
Western Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Northern Region
Advice of friends
41.26
30.05
76.25
14.06
35.91
21.85
30.42
57.81
36.25
24.90
0.00
33.67
56.16
10.57
32.29
31.56
21.95
31.58
0.00
57.03
3.75
28.75
30.63
58.34
67.50
70.00
52.14
61.15
65.63
82.16
62.57
57.01
57.50
63.04
4663
Voluntary
42.16
45.31
50.00
82.03
78.05
60.08
22.92
55.21
46.88
44.04
35.31
41.87
24.32
38.99
55.57
33.44
45.64
10.53
22.73
24.69
71.25
45.00
60.94
45.70
46.25
13.75
46.61
48.83
32.66
0.75
42.07
37.07
23.75
44.64
4765
Advice of agent
76.26
74.31
46.25
25.00
75.31
73.95
89.79
71.88
55.78
78.36
75.31
76.60
84.93
65.64
80.48
98.13
62.59
57.89
90.91
72.50
61.25
87.50
80.31
74.21
55.00
80.00
68.04
81.28
81.77
92.46
72.37
84.42
87.50
81.25
8618
6.26
3.64
0.00
0.78
4.74
8.82
5.00
17.19
0.31
0.14
2.50
2.83
1.71
1.98
1.38
1.56
5.24
26.32
27.27
3.59
2.50
8.75
0.94
3.01
3.75
2.50
3.57
2.50
20.94
31.41
14.80
18.69
26.25
20.18
707
Through employer
Advertisement
11.48
6.53
6.25
8.59
4.99
12.61
3.85
33.07
3.13
3.33
0.63
16.19
24.32
16.08
4.88
7.50
0.75
5.26
31.82
51.41
0.00
6.25
0.94
19.54
28.75
12.50
20.18
18.72
9.17
2.01
8.73
22.12
17.50
6.07
1297
Requirement of the
financer
2.65
2.94
0.00
0.78
12.72
0.00
2.19
5.99
0.00
2.50
0.94
1.66
0.68
4.63
1.00
1.56
1.00
5.26
22.73
0.94
0.00
6.25
0.00
4.48
0.00
1.25
6.25
3.90
2.40
2.01
2.85
3.74
0.00
1.79
299
Other sources
1.20
0.87
0.00
0.00
0.75
4.20
1.35
1.56
0.78
0.07
0.63
1.52
5.48
1.54
1.00
3.13
0.25
0.00
0.00
0.31
0.00
10.00
0.00
1.98
0.00
0.00
3.21
1.40
0.89
0.00
1.43
1.25
1.25
0.71
136
Dont know
0.68
0.48
0.00
3.13
0.50
2.10
0.42
0.26
0.63
0.14
0.00
1.11
0.68
5.29
0.50
0.63
0.00
0.00
0.00
0.16
0.00
6.25
0.00
0.07
0.00
0.00
0.18
0.00
0.83
0.25
2.32
0.31
0.00
0.18
77
Voluntary
47.25
57.54
48.57
82.47
76.57
71.43
41.62
50.00
53.39
50.04
40.14
46.11
17.57
54.11
46.30
46.07
52.57
52.05
23.29
23.04
87.14
75.71
75.71
48.16
42.86
4.29
52.65
49.93
34.69
9.78
43.95
32.50
62.86
44.44
5134
Advice of friends
40.47
34.18
68.57
30.52
38.86
18.57
29.49
60.57
40.54
23.08
19.71
30.83
53.67
17.63
12.82
27.50
28.86
75.34
79.45
53.57
11.43
17.14
19.76
55.61
64.29
81.43
42.45
61.37
64.70
69.25
58.79
63.57
45.71
68.57
4397
Advice of agent
73.07
76.28
64.29
50.00
68.86
72.38
82.88
78.00
55.54
76.05
64.87
75.97
87.54
71.98
72.65
91.79
79.43
64.38
83.56
77.50
52.86
82.86
64.76
68.92
57.14
44.29
63.06
76.68
74.89
79.23
76.56
79.64
71.43
68.41
7940
6.42
3.47
4.29
0.32
3.71
9.52
2.97
18.29
0.36
0.32
1.79
3.43
1.60
4.35
0.57
4.29
2.00
16.44
24.66
4.46
0.00
17.14
0.24
2.86
2.86
1.43
1.84
3.72
20.63
15.07
13.48
31.43
14.29
26.67
698
Advertisement
15.78
12.23
11.43
6.82
4.57
19.05
11.30
44.29
3.57
10.15
0.00
19.40
38.34
23.19
2.28
9.64
2.57
35.62
0.00
62.32
0.00
0.00
0.48
25.96
25.71
60.00
23.47
24.32
10.74
19.96
5.08
13.57
11.43
6.83
1715
Urban
Through employer
Rural
Requirement of the
financer
3.66
4.84
0.00
0.97
14.00
0.00
2.50
8.57
1.61
4.52
7.89
2.29
3.51
1.21
0.14
2.14
0.00
1.37
61.64
0.00
0.00
10.00
0.00
4.14
0.00
7.14
6.33
2.72
3.83
2.24
3.71
7.86
1.43
3.65
398
Other sources
1.25
0.66
0.00
1.62
0.29
0.00
0.48
2.86
0.36
0.00
1.43
1.59
2.56
5.31
0.14
3.93
0.57
2.74
0.00
0.71
0.00
4.29
0.00
0.60
0.00
4.29
0.41
0.43
2.47
3.26
4.49
0.36
0.00
1.43
136
Dont know
0.40
0.38
0.00
1.62
0.00
0.00
0.36
0.29
0.71
0.16
0.00
0.54
0.96
1.45
0.28
0.36
0.57
0.00
0.00
0.18
1.43
2.86
0.00
0.00
0.00
0.00
0.00
0.00
0.55
0.00
1.95
0.00
0.00
0.16
44
Voluntary
44.66
48.33
49.33
82.34
77.36
65.40
31.65
52.72
49.92
46.84
0.00
43.96
20.83
46.20
51.23
39.33
48.87
43.48
23.16
23.92
78.67
59.33
69.32
46.91
44.67
9.33
49.43
49.40
18.58
5.51
23.86
15.31
29.33
23.87
9899
Advice of friends
40.87
32.83
72.67
25.69
37.28
20.31
29.98
59.13
38.25
24.05
21.70
32.27
54.88
13.94
23.18
29.67
25.17
66.30
61.05
55.42
7.33
23.33
24.46
56.99
66.00
75.33
47.62
61.27
34.49
38.81
31.41
30.78
22.00
37.48
9060
Advice of agent
74.70
75.22
54.67
42.66
72.30
73.21
86.56
74.80
55.67
77.28
70.45
76.29
86.28
68.66
76.82
95.17
70.44
63.04
85.26
74.83
57.33
85.33
71.49
71.60
56.00
63.33
65.71
78.88
40.51
44.54
41.47
38.44
36.67
38.15
16558
Rural + Urban
6.34
3.56
2.00
0.46
4.26
9.15
4.05
17.71
0.33
0.22
2.17
3.13
1.65
3.11
1.00
2.83
3.73
18.48
25.26
4.00
1.33
12.67
0.54
2.94
3.33
2.00
2.76
3.13
11.09
8.32
7.46
14.98
6.67
15.04
1405
Through employer
Table S4.10: Distribution of Households by Factors Influencing Their Decision to Take Insurance (Percentage)
13.59
9.14
8.67
7.34
4.79
15.63
7.33
38.42
3.33
6.51
0.00
17.77
31.57
19.47
3.66
8.50
1.60
29.35
7.37
56.50
0.00
3.33
0.68
22.71
27.33
34.67
21.71
21.64
5.76
11.25
2.61
7.65
5.33
3.61
3012
Advertisement
104
Requirement of the
financer
3.14
3.82
0.00
0.92
13.32
0.00
2.33
7.22
0.75
3.44
4.17
1.97
2.15
3.00
0.60
1.83
0.53
2.17
52.63
0.50
0.00
8.00
0.00
4.31
0.00
4.00
6.29
3.28
2.23
1.91
2.14
3.83
0.67
1.93
697
Other sources
1.23
0.70
0.00
1.15
0.53
2.23
0.94
2.18
0.58
0.04
0.00
1.56
3.97
3.34
0.60
3.50
0.40
2.17
0.00
0.50
0.00
7.33
0.00
1.30
0.00
2.00
1.90
0.90
1.31
1.91
2.24
0.17
0.00
0.76
272
0.55
0.43
0.00
2.06
0.27
1.12
0.39
0.27
0.67
0.15
0.00
0.83
0.83
3.46
0.40
0.50
0.27
0.00
0.00
0.17
0.67
4.67
0.00
0.04
0.00
0.00
0.10
0.00
1.97
0.34
4.57
0.83
0.67
1.60
121
Dont know
105
Difficult
procedures
10.53
8.15
25.00
9.38
6.06
1.67
12.08
7.76
0.63
9.78
7.50
14.76
17.59
15.07
10.95
23.75
9.09
46.41
0.63
5.00
0.00
5.00
0.00
7.08
15.00
10.00
5.00
7.55
7.71
13.73
5.04
8.86
10.00
5.00
341
Complex
policies
10.44
14.08
10.00
18.75
6.06
16.67
21.67
12.93
1.88
14.80
21.25
7.82
16.67
8.22
5.97
1.25
1.01
17.13
1.90
12.50
0.00
0.00
0.00
10.03
10.00
5.00
13.57
7.55
8.75
29.41
2.16
7.59
5.00
1.43
338
Accessibility
problem
16.96
28.50
30.00
18.75
7.07
35.00
34.17
23.28
4.38
36.31
57.50
8.94
20.37
4.79
13.93
2.50
6.06
9.94
2.53
13.75
5.00
5.00
1.25
5.60
15.00
5.00
3.57
6.29
17.92
19.61
17.27
26.58
25.00
11.43
549
Poor
services
10.69
6.61
10.00
9.38
3.03
3.33
8.33
17.24
0.00
5.87
7.50
7.58
8.33
3.42
10.95
5.00
28.28
3.87
7.59
3.75
0.00
0.00
2.50
5.01
5.00
5.00
3.57
6.29
32.71
51.96
30.94
24.05
20.00
27.14
346
Limited
range of
products
30.52
36.65
35.00
53.13
62.63
6.67
32.50
33.62
73.13
22.35
28.75
22.19
12.96
19.18
48.26
35.00
30.30
1.10
3.16
46.25
0.00
0.00
0.00
37.46
45.00
0.00
34.29
44.03
32.50
44.12
32.37
40.51
10.00
22.86
988
Too
expensive
54.87
61.46
25.00
68.75
69.70
75.00
69.58
41.38
36.88
68.72
68.75
52.04
51.85
68.49
67.16
61.25
39.39
29.28
12.03
70.00
55.00
50.00
85.00
50.74
60.00
80.00
55.71
41.51
49.17
27.45
66.91
55.70
40.00
45.00
1776
Not so
important
24.13
20.69
20.00
9.38
32.32
26.67
12.08
64.66
17.50
10.06
22.50
23.70
44.44
31.51
12.94
41.25
12.12
51.93
8.86
5.63
45.00
0.00
7.50
35.99
30.00
65.00
30.71
37.74
24.79
22.55
37.41
16.46
55.00
14.29
781
State/UT
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample State
Rural
Table S4.11a: Distribution of Uninsured Households by Reasons for No Households Member Insured (Rural) (Percentage)
2.81
0.69
5.00
0.00
2.02
0.00
1.25
1.72
0.00
0.00
0.00
1.20
0.93
0.68
2.49
5.00
1.01
0.00
0.63
1.25
0.00
0.00
0.00
1.18
0.00
0.00
0.71
1.89
13.33
27.45
0.72
13.92
20.00
14.29
91
8.96
5.15
5.00
6.25
5.05
3.33
6.25
13.79
3.13
3.07
3.75
13.73
30.56
6.85
12.44
12.50
13.13
37.02
6.96
1.88
0.00
0.00
0.00
7.67
15.00
0.00
2.86
11.95
6.67
3.92
0.72
16.46
0.00
10.00
290
No confidence and
Inappropriate/
inadequate distribution trust on insurance
strategies
Any
other
8.68
5.92
5.00
9.38
3.03
20.00
7.50
7.76
2.50
3.63
7.50
12.13
8.33
11.64
3.98
15.00
15.15
24.86
0.63
14.38
5.00
70.00
8.75
13.27
0.00
30.00
14.29
11.95
3.13
1.96
9.35
0.00
0.00
0.00
281
Inadequate
value on
maturity
3.40
4.12
0.00
6.25
2.02
0.00
5.42
1.72
0.63
7.82
0.00
1.44
0.93
1.37
4.48
0.00
1.01
0.00
0.63
1.25
0.00
0.00
2.50
9.14
25.00
10.00
5.00
10.69
2.71
9.80
1.44
1.27
0.00
0.00
110
106
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal
Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
57.10
63.34
36.67
58.33
64.67
71.11
79.94
46.67
44.58
65.86
65.29
54.03
34.48
73.66
60.74
45.83
50.00
29.92
3.94
69.58
83.33
0.00
76.67
49.04
63.33
73.33
55.71
40.53
54.83
40.19
75.00
47.50
73.33
53.33
2726
9.20
38.17
8.39
32.50
24.00
57.48
57.48
8.75
10.00
13.33
19.44
42.73
46.67
66.67
42.86
39.87
24.60
40.19
32.98
23.33
0.00
10.00
1224
Too
expensive
25.64
21.59
63.33
20.45
36.67
47.78
13.93
54.67
18.33
10.20
13.22
24.63
Not so
important
5.91
36.58
35.83
19.33
1.57
9.45
46.67
0.00
0.00
0.00
30.82
36.67
10.00
31.43
31.89
27.17
15.79
30.85
50.00
23.33
23.70
1338
4.60
28.03
34.12
13.33
48.48
60.67
5.56
20.61
41.33
59.17
25.05
33.88
20.44
Limited
range of
products
2.69
6.38
6.67
20.00
1.57
8.66
4.17
0.00
6.67
1.67
6.13
20.00
6.67
1.90
7.64
22.15
23.44
22.34
17.50
20.00
23.33
442
0.00
9.26
7.51
23.33
9.09
4.67
8.89
6.69
19.33
0.42
5.94
13.22
5.71
Poor
services
4.84
12.42
2.50
9.33
9.45
31.50
15.83
0.00
0.00
0.56
6.13
16.67
0.00
3.33
7.64
16.65
12.92
11.70
24.17
86.67
11.85
602
13.79
12.61
14.63
10.00
23.48
7.33
13.33
13.37
41.33
5.00
11.87
18.18
10.54
Accessibility
problem
5.91
5.70
5.83
9.33
33.07
2.36
9.58
0.00
10.00
1.11
11.38
13.33
3.33
10.95
12.29
6.73
17.70
1.06
5.83
0.00
3.33
578
4.60
12.11
18.33
6.67
15.15
16.00
15.56
19.22
18.00
4.58
24.12
28.93
8.00
Complex
policies
Urban
9.14
7.72
35.83
14.00
61.42
0.79
6.25
0.00
23.33
0.56
10.86
0.00
0.00
6.19
16.28
7.22
15.31
10.11
4.17
3.33
0.74
598
16.09
12.53
14.19
16.67
7.58
12.67
6.67
21.45
10.67
3.33
17.07
19.83
13.97
Difficult
procedures
Table S4.11b: Distribution of Uninsured Households by Reasons for No Household Member Insured (Urban) (Percentage)
0.00
0.67
1.67
1.33
0.00
0.00
1.25
0.00
0.00
0.00
2.28
0.00
3.33
1.43
2.99
9.18
10.05
1.06
18.33
13.33
9.63
122
0.00
2.56
1.38
10.00
0.00
0.00
0.00
2.23
4.00
0.83
0.56
2.48
0.57
Inappropriate/
inadequate
distribution
strategies
4.84
4.03
14.17
6.00
32.28
0.00
1.67
0.00
6.67
0.56
6.30
10.00
0.00
4.29
7.97
5.51
11.48
0.53
5.83
3.33
4.44
341
48.28
7.14
6.79
3.33
2.27
6.67
5.56
4.74
37.33
3.33
3.53
3.31
8.70
No confidence and
trust on insurance
0.54
1.34
5.00
2.67
0.00
0.00
2.08
6.67
3.33
0.00
15.24
26.67
16.67
14.29
14.62
4.90
15.31
2.66
0.83
0.00
0.74
266
1.15
5.57
6.35
6.67
0.00
3.33
0.00
10.58
0.00
0.83
11.69
4.13
1.52
Inadequate
value on
maturity
19.35
8.05
5.83
6.00
26.77
0.00
8.33
0.00
83.33
8.33
11.21
6.67
6.67
15.24
9.30
6.49
13.88
12.77
0.00
0.00
0.00
392
2.30
8.21
5.69
3.33
12.88
4.67
14.44
5.29
3.33
5.00
4.27
4.96
10.92
Any
other
107
Not so
important
25.00
21.24
46.00
18.29
34.94
39.33
13.19
59.02
18.00
10.14
16.92
24.22
28.72
35.24
10.22
36.00
19.28
54.22
30.53
7.50
24.00
8.00
15.77
40.22
40.00
66.00
38.00
39.13
24.67
34.41
34.86
20.60
22.00
11.46
2003
State/UT
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
56.20
62.60
32.00
60.37
66.67
72.67
75.79
44.36
41.50
67.00
66.67
53.15
44.10
71.39
63.33
52.00
45.78
29.55
8.42
69.75
72.00
20.00
79.23
49.67
62.00
76.00
55.71
40.87
52.74
36.01
71.56
50.75
60.00
50.49
4502
Too
expensive
29.04
35.11
22.00
49.39
61.45
6.00
25.38
37.97
64.75
23.97
31.84
21.22
9.23
11.75
41.28
35.50
23.69
1.30
5.96
46.50
0.00
0.00
0.00
33.30
40.00
6.00
32.57
36.09
29.14
25.08
31.50
46.23
18.00
23.41
2326
Limited
range of
products
9.84
7.16
18.00
9.15
4.02
6.67
7.35
18.42
0.25
5.91
10.95
6.54
4.62
3.01
8.22
6.00
23.29
2.92
8.07
4.00
0.00
4.00
1.92
5.71
14.00
6.00
2.57
7.17
26.06
32.80
25.99
20.10
20.00
24.63
788
Poor
services
14.37
20.06
18.00
22.56
7.23
22.00
21.70
33.46
4.75
21.63
33.83
9.83
17.44
4.82
13.03
2.50
8.03
9.74
15.44
15.00
2.00
2.00
0.77
5.93
16.00
2.00
3.43
7.17
17.12
15.11
14.07
25.13
62.00
11.71
1151
Accessibility
problem
11.43
16.67
8.00
15.85
12.05
16.00
20.20
15.79
3.50
20.40
25.87
7.92
11.28
6.93
5.81
4.00
6.02
23.70
2.11
10.75
0.00
6.00
0.77
10.88
12.00
4.00
12.00
10.65
7.48
21.54
1.53
6.53
2.00
2.68
916
Complex
policies
11.72
11.83
20.00
7.93
10.04
4.67
17.70
9.40
2.25
14.16
14.93
14.32
16.92
11.75
9.02
31.00
12.05
52.60
0.70
5.75
0.00
16.00
0.38
9.45
6.00
4.00
5.71
13.26
7.40
14.79
7.95
6.03
6.00
2.20
939
Difficult
procedures
Table S4.11c: Distribution of Uninsured Households by Reasons for No Household Member Insured (Rural + Urban) (Percentage)
2.66
1.11
8.00
0.00
0.80
0.00
1.84
3.01
0.50
0.33
1.49
0.85
0.51
0.30
1.40
3.00
1.20
0.00
0.35
1.25
0.00
0.00
0.00
1.87
0.00
2.00
1.14
2.61
10.72
15.76
0.92
16.58
16.00
11.22
213
Inappropriate /
inadequate
distribution
strategies
7.88
6.15
4.00
3.05
6.02
4.67
5.34
27.07
3.25
3.34
3.48
10.93
38.46
5.72
7.41
13.50
8.84
35.06
3.86
1.75
0.00
4.00
0.38
6.81
12.00
0.00
3.71
9.35
5.94
9.00
0.61
10.05
2.00
6.34
631
No confidence
and trust on
insurance
4.69
5.48
4.00
1.22
2.81
0.00
8.51
0.75
0.75
10.14
2.49
1.49
1.03
0.90
2.61
3.00
2.01
0.00
0.35
1.75
4.00
2.00
0.77
12.97
26.00
14.00
10.57
13.26
4.09
13.50
2.14
1.01
0.00
0.49
376
Inadequate
value on
maturity
8.43
5.78
4.00
12.20
4.02
16.67
6.18
5.26
4.00
4.01
5.97
11.46
5.64
15.96
6.41
9.50
9.64
25.65
0.35
10.75
2.00
78.00
8.46
11.98
4.00
16.00
14.86
10.22
5.24
9.97
11.31
0.00
0.00
0.00
675
Any other
108
Andhra
Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
Southern Region
Western Region
Arunachal
Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal
Pradesh
Madhya
Pradesh
Punjab
Rajasthan
Uttar
Pradesh
Uttarakhand
Northern Region
All India
State/UT
Rural
Urban
21.25
37.11
13.75 38.75
23.78 16.36
5.88
41.01
45.57
40.00
29.29
58.82
41.73
34.18
35.00
23.57
12.33
8.46
35.00
5.05
12.71
9.49
18.13
25.00
15.00
30.00
19.76
15.00
45.00
29.29
8.81
30.83
25.18
60.76
65.00
36.43
49.02
21.30
23.46
45.53 17.04
23.29
17.41
70.00
21.21
60.22
67.72
37.50
0.00
25.00
18.75
30.09
50.00
35.00
23.57
32.70
41.04
9.48
9.38
34.48 20.69
42.50 24.38
35.62
8.96
16.25
11.11
36.46
19.62
12.50
15.00
90.00
11.25
39.23
0.00
85.00
33.57
43.40
38.54
35.42
22.08 42.50
52.78 35.19
23.33
25.18
36.71
30.00
22.14
22.55
8.90
22.39
55.00
23.23
62.43
65.82
11.88
5.00
20.00
3.75
32.74
10.00
5.00
22.86
47.80
25.83
60.19
37.50
34.64
25.42
6.03
16.88
20.83
46.67
5.76
16.46
0.00
2.14
0.00
16.44
15.42
41.25
40.40
7.18
62.66
4.38
5.00
40.00
1.25
16.81
5.00
10.00
19.29
16.98
5.00
24.07
13.75
22.59
20.95
2.59
2.50
16.67
8.33
41.78
6.67
42.90
40.00
28.78
10.13
15.00
21.43
6.86
54.79
34.83
1.25
12.12
50.83
12.66
20.63
60.00
40.00
52.50
8.55
20.00
5.00
8.57
7.55
18.33
23.15
17.50
31.52
5.31
38.83
35.00
96.67
20.00
35.41
47.85
13.42
19.17
16.67
41.73
58.27
17.50
10.00
80.00
15.56
39.58
0.00
70.00
36.67
42.52
33.29
36.78
42.55
56.67
96.67
37.41
18.18
15.59
7.72
38.33
20.00
33.86
47.24
25.00
63.33
30.00
27.78
37.83
13.33
73.33
51.43
27.24
38.68
12.64
29.75 46.28
27.49 24.13
43.97 20.78
3.33
5.00
24.47
66.67
20.00
43.33
17.55
13.33
80.00
12.22
6.70
7.53
5.03
2.50
4.67
30.71
7.09
0.42
0.00
0.00
0.56
3.85
3.33
0.00
0.48
6.64
14.69
48.33
64.37
38.71
20.47
70.83
20.00
80.31
37.01
37.50
6.67
36.67
10.56
36.43
53.33
10.00
32.86
39.87
42.84
4.96
9.21
28.10
33.97
18.39
4.27
11.33
0.83
2.23
3.33
30.06
30.00
22.08
27.86
30.00
3.72
5.00
0.00
2.22
17.70
25.81
7.72
46.67
17.33
9.45
53.54
4.58
0.00
23.33
0.56
27.15
30.00
10.00
26.67
28.90
6.85
2.30
9.09
16.13
17.25
9.33
3.75
18.66
7.78
39.33
27.32
29.27
4.00
43.29
15.66
33.89 42.74
4.67
4.60
31.38
7.50
0.00
21.48
40.06
34.67
72.00
21.22
16.75 43.09
41.87
11.62
18.00
14.46
31.49
36.84
15.50
12.00
84.00
14.23
39.45
0.00
76.00
35.43
42.83
35.24
41.90
52.26
74.00
34.63
14.15
13.55
8.02
37.00
14.06
17.53
26.32
22.25
48.00
24.00
28.46
31.10
14.00
62.00
42.57
20.87
35.77
45.64 25.13
58.06
29.87
3.33
19.33
62.20
22.83
15.83
23.33
36.67
56.67
9.63
20.00
10.00
3.81
12.62
19.71
24.77
64.32
38.00
40.98
48.55
31.93
19.24
70.50
20.48
61.69
54.04
37.50
4.00
32.00
13.08
34.07
52.00
20.00
29.14
37.39
42.17
20.00
25.37
34.62
27.42
21.05
17.00
30.88
27.33
31.48
23.05
4.00
12.80
6.43
20.80
22.61
60.00
15.61
11.90
8.13
12.02
23.50
12.05
49.35
39.65
5.00
2.00
8.00
1.54
14.62
6.00
2.00
9.43
20.87
18.81
62.05
17.91
20.47
12.71
9.02
7.25
9.68
20.67
15.74
10.25
0.00
1.22
4.42
4.59
9.55
0.00
2.20
11.90
21.39
10.82
44.50
26.51
7.79
58.60
4.50
2.00
30.00
0.77
23.30
20.00
10.00
23.71
24.78
6.17
14.36
10.95
18.92
18.73
6.39
3.25
17.86
8.00
14.73
11.86
0.00
3.05
3.61
30.28
8.54
6.00
21.46
13.50
56.63
31.86
2.50
16.47
52.27
17.19
17.75
38.00
38.00
55.38
9.23
20.00
8.00
5.71
10.87
19.20
14.87
20.90
31.29
8.47
37.97
19.50
3.67
17.33
23.16
21.07
90.00
42.07
67.47
Job
High costs of Crop Fire/theft/burglary Any
other
loss hospitalisation failure
3.90
25.56
38.33
1.67
Loss
of
main
earner
30.18
30.99
0.00
18.75
19.19
Table S4.12: Distribution of Uninsured Households by Type of Financial Risk They Could Face (Percentage)
109
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample State
State/UT
No
26.1
32.56
10
34.38
14.14
20
39.17
16.38
32.5
39.78
41.25
14.83
22.22
11.64
29.85
12.5
19.39
6.11
0.0
3.16
50
35
27.5
20.94
40
20
26.43
13.84
43.51
77.45
10.95
45.57
40
50
845
Yes
32.26
28.69
5
40.63
38.38
33.33
29.17
20.69
41.88
23.81
20
30.86
19.44
19.86
42.29
31.25
42.86
4.44
1.9
76.58
20
55
46.25
48.67
10
60
55
46.54
32.85
3.92
43.07
49.37
60
30.71
1044
Rural
41.64
38.75
85
25
47.47
46.67
31.67
62.93
25.63
36.41
38.75
54.31
58.33
68.49
27.86
56.25
37.76
89.44
98.1
20.25
30
10
26.25
30.38
50
20
18.57
39.62
23.64
18.63
45.99
5.06
0.0
19.29
1348
Can't say
33.63
27.03
26.67
26.52
28
34.44
35.29
13.33
43.1
19.7
14.17
36.42
14.94
36.07
48.31
28.33
36.67
3.15
0.0
67.36
6.67
46.67
41.34
51.49
6.67
80
60
47.18
30.92
20.29
32.45
46.67
53.33
28.52
1605
Yes
Urban
29.17
34.88
36.67
35.61
25.33
8.89
32.49
41.33
25.52
46.1
33.33
17.67
2.3
16.94
27.7
13.33
23.33
4.72
0.0
8.37
20
33.33
40.22
21.89
40
10
24.76
19.27
43.19
40.58
29.26
50
46.67
51.48
1393
No
Table S4.13: Distribution of Uninsured Households by Views on Linking of Insurance with Credit (Percentage)
37.2
38.09
36.67
37.88
46.67
56.67
32.21
45.33
31.38
34.2
52.5
45.91
82.76
46.99
23.99
58.33
40
92.13
100
24.27
73.33
20
18.44
26.62
53.33
10
15.24
33.55
25.89
39.13
38.3
3.33
0.0
20
1776
Can't say
Yes
33.07
27.68
18
29.27
32.13
34
32.83
16.54
42.61
21.34
16.5
33.97
17.44
28.88
45.88
29.5
39.11
3.91
1.06
71.03
12
50
42.86
50.44
8
72
58
46.96
31.63
14.89
36.92
47.74
56
29.27
2649
27.93
33.97
26
35.37
20.88
13.33
35.18
30.45
28.32
43.58
36.5
16.42
13.33
14.59
28.57
13
21.77
5.54
0.0
6.3
32
34
36.29
21.54
40
14
25.43
17.39
43.31
52.75
21.54
48.24
44
50.98
2237
No
Can't say
110
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
27.0
23.9
0.0
25.0
27.6
28.3
29.2
16.5
20.3
26.5
11.3
25.7
11.2
15.8
38.5
15.2
37.1
5.0
0.0
69.4
20.0
30.0
32.9
40.8
5.0
70.0
47.9
35.4
27.7
2.0
25.2
45.6
60.0
34.3
874
Yes
20.3
20.8
10.0
28.1
9.2
13.3
20.8
13.9
31.0
21.0
30.0
11.8
15.9
6.9
19.0
3.8
17.5
1.1
0.7
12.5
60.0
5.0
30.4
13.9
35.0
10.0
17.9
8.2
45.4
82.4
17.3
50.6
40.0
44.3
657
No
Rural
52.7
55.3
90.0
46.9
63.3
58.3
50.0
69.6
48.7
52.5
58.8
62.6
72.9
77.4
42.6
81.0
45.4
93.9
99.3
18.1
20.0
65.0
36.7
45.3
60.0
20.0
34.3
56.3
26.9
15.7
57.6
3.8
0.0
21.4
1706
Can't Say
27.8
21.1
20.0
11.4
24.8
33.0
37.9
11.8
15.1
16.0
15.0
30.2
18.4
30.0
45.0
11.7
24.7
3.9
0.0
57.6
10.0
26.7
37.4
39.8
6.7
66.7
49.8
33.4
27.9
19.3
11.2
40.8
33.3
39.6
1327
Yes
21.7
21.6
46.7
31.1
23.5
4.6
15.9
36.1
21.8
21.8
13.3
14.6
2.3
7.8
16.9
9.2
18.5
0.8
0.0
17.2
30.0
6.7
39.1
12.9
40.0
3.3
13.9
10.4
42.1
34.8
33.5
54.2
66.7
45.6
1036
No
Urban
50.5
57.3
33.3
57.6
51.7
62.5
46.2
52.1
63.2
62.3
71.7
55.3
79.3
62.2
38.1
79.2
56.9
95.3
100.0
25.2
60.0
66.7
23.5
47.4
53.3
30.0
36.4
56.2
30.1
45.9
55.3
5.0
0.0
14.8
2411
Can't Say
Table S4.13a: Distribution of Uninsured Households by Views on Whether Insurance Would Help Unexpected Eventuality (Percentage)
27.3
22.2
12.0
14.0
25.9
31.1
34.4
13.9
17.1
20.2
13.5
28.2
14.4
23.6
42.3
13.1
29.6
4.6
0.0
62.3
14.0
28.0
36.1
40.2
6.0
68.0
49.0
34.1
27.8
13.6
17.1
42.7
44.0
37.8
2187
Yes
21.1
21.3
32.0
30.5
17.8
8.1
17.9
26.3
25.4
21.4
20.0
13.3
9.8
7.4
17.8
7.0
18.1
1.0
0.4
15.3
42.0
6.0
36.4
13.3
38.0
6.0
15.5
9.6
43.3
50.5
26.6
52.8
56.0
45.1
1690
No
Total
51.6
56.5
56.0
55.5
56.3
60.8
47.8
59.9
57.4
58.4
66.5
58.5
75.8
69.0
40.0
79.9
52.3
94.5
99.6
22.4
44.0
66.0
27.5
46.6
56.0
26.0
35.5
56.2
28.9
35.9
56.3
4.5
0.0
17.1
4134
Can't Say
111
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
Southern Region
Western Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Eastern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Northern Region
All India
State/UT
Yes
82.39
70.67
89.74
65.35
79.50
86.38
57.19
69.74
82.77
73.61
50.16
87.83
88.46
69.91
81.63
86.56
89.51
83.33
100.00
98.26
100.00
93.67
100.00
91.96
97.50
95.00
90.47
92.20
93.95
98.49
85.89
96.26
100.00
96.60
Rural
17.61
29.33
10.26
34.65
20.50
13.62
42.81
30.26
17.23
26.39
49.84
12.17
11.54
30.09
18.37
13.44
10.49
16.67
0.00
1.74
0.00
6.33
0.00
8.04
2.50
5.00
9.53
7.80
6.05
1.51
14.11
3.74
0.00
3.40
No
88.42
81.78
95.71
72.22
87.97
90.91
77.90
84.01
84.70
82.25
65.27
90.26
92.86
70.37
85.65
91.79
86.17
98.53
96.77
99.46
98.57
100.00
100.00
95.29
98.57
85.71
95.26
95.95
94.92
94.36
92.38
95.71
100.00
96.50
Yes
Table S5.1: Percentage Distribution of Insured Households by Awareness about Provision of Nomination Facility
Urban
No
11.58
18.22
4.29
27.78
12.03
9.09
22.10
15.99
15.30
17.75
24.73
9.74
7.14
29.63
14.35
8.21
13.83
1.47
3.23
0.54
1.43
0.00
0.00
4.71
1.43
14.29
4.74
4.05
5.08
5.64
7.62
4.29
0.00
3.50
Yes
85.35
76.01
92.57
70.21
83.44
88.51
66.87
76.52
83.68
77.64
61.87
89.03
90.74
70.13
83.52
89.00
87.94
95.35
97.62
98.82
99.33
96.58
100.00
93.61
98.00
90.67
92.70
94.16
94.44
96.24
88.99
96.01
100.00
96.55
No
14.65
23.99
7.43
29.79
16.56
11.49
33.13
23.48
16.32
22.36
38.13
10.97
9.26
29.87
16.48
11.00
12.06
4.65
2.38
1.18
0.67
3.42
0.00
6.39
2.00
9.33
7.30
5.84
5.56
3.76
11.01
3.99
0.00
3.45
112
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/ UT
No
11.80
15.34
11.25
3.91
0.76
10.13
12.11
11.29
9.80
26.86
15.67
10.68
33.80
27.85
5.80
7.50
2.26
66.67
0.00
1.92
1.25
16.25
7.84
2.28
20.00
0.00
11.85
20.25
12.20
25.65
14.57
11.21
1.25
2.68
1334
Yes
64.70
40.53
81.25
70.31
90.59
72.57
24.55
79.79
69.93
12.84
1.88
75.41
49.13
51.14
84.11
73.44
85.18
16.67
90.91
89.60
66.25
71.25
78.37
93.82
45.00
25.00
24.44
14.56
82.44
73.58
70.68
86.92
98.75
95.35
7312
Rural
23.49
44.13
7.50
25.78
8.65
17.30
63.34
8.92
20.26
60.31
82.45
13.91
17.07
21.00
10.09
19.06
12.56
16.67
9.09
8.48
32.50
12.50
13.79
3.90
35.00
75.00
63.70
65.19
5.36
0.78
14.75
1.87
0.00
1.97
2654.6
Can't say/Don't
know
68.96
46.25
95.71
77.85
90.54
88.10
30.01
85.92
71.94
14.27
3.94
80.97
61.86
46.96
88.81
80.43
91.09
70.00
91.78
94.99
94.29
80.00
87.35
91.79
30.00
43.33
38.81
23.83
81.97
71.66
71.71
79.29
100.00
97.45
7493
Yes
14.82
23.27
1.43
9.45
1.43
1.43
24.79
9.48
13.31
41.08
39.78
9.89
27.24
34.31
5.02
4.35
2.30
27.14
0.00
0.56
0.00
7.14
4.06
4.97
16.67
10.00
13.93
18.46
11.65
20.33
14.73
17.50
0.00
1.11
1610
No
Urban
16.22
30.48
2.86
12.70
8.02
10.48
45.20
4.60
14.75
44.65
56.27
9.13
10.90
18.73
6.17
15.22
6.61
2.86
8.22
4.45
5.71
12.86
8.59
3.24
53.33
46.67
47.26
57.72
6.38
8.01
13.56
3.21
0.00
1.43
1762.47
Can't say/Don't
know
Table 5.2a: Distribution of Insured Households by Perception about Mandatory Paper Work at the Time of Taking Policy (Percentage)
66.79
43.29
88.00
75.63
90.57
79.87
27.10
82.72
70.89
13.51
2.84
78.15
55.76
49.12
86.31
76.68
87.94
59.09
91.58
92.10
79.33
75.33
83.47
92.82
36.00
36.00
33.04
20.61
82.20
72.51
71.17
83.36
99.33
96.46
14805
Yes
13.29
19.15
6.67
7.82
1.08
6.04
18.03
10.43
11.47
33.49
26.92
10.29
30.38
30.98
5.44
6.04
2.28
35.23
0.00
1.29
0.67
12.00
5.69
3.61
18.00
6.00
13.10
19.08
11.92
22.68
14.65
14.14
0.67
1.85
2946
No
19.92
37.56
5.33
16.55
8.36
14.09
54.88
6.86
17.64
53.00
70.23
11.55
13.86
19.91
8.26
17.28
9.79
5.68
8.42
6.62
20.00
12.67
10.84
3.57
46.00
58.00
53.87
60.31
5.88
4.81
14.18
2.50
0.00
1.68
4415.67
Can't say/Don't
know
All (Rural+Urban)
113
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/ UT
40.00
45.51
20.97
10.08
41.43
19.34
40.36
22.10
38.85
64.88
49.21
21.77
16.67
25.69
21.30
20.13
23.58
20.00
0.00
13.44
50.00
26.39
28.80
54.38
43.75
18.75
57.99
57.10
53.52
53.26
87.50
0.00
100.00
100.00
4520
Yes
16.04
2.02
45.58
11.75
8.27
0.95
29.52
37.63
43.75
29.94
10.06
42.69
60.00
0.00
37.55
0.00
20.83
18.04
21.47
23.75
26.25
17.59
24.03
44.97
45.17
12.50
100.00
0.00
0.00
2207
19.53
10.18
41.94
8.40
No
Rural
40.48
44.31
37.10
81.51
58.57
64.62
57.62
32.32
49.40
26.86
49.84
48.71
45.70
30.56
48.77
69.81
33.73
20.00
0.00
49.01
50.00
52.78
53.16
24.16
32.50
55.00
24.42
18.87
1.51
1.57
0.00
0.00
0.00
0.00
4575
Can't say/Don't
know
46.74
54.05
53.23
24.63
35.33
22.89
64.56
26.36
34.02
71.42
73.38
32.49
39.38
12.12
36.92
27.01
27.49
14.63
100.00
21.01
70.00
39.71
42.44
57.33
44.29
30.43
63.39
57.04
39.47
38.75
66.67
0.00
0.00
100.00
5079
Yes
20.30
10.84
19.35
12.50
0.63
10.95
5.36
42.73
13.06
9.34
1.44
28.56
23.32
61.82
30.00
14.23
26.28
9.76
0.00
51.64
0.00
14.71
11.22
23.53
30.00
49.28
13.91
27.25
41.45
42.09
0.00
0.00
0.00
0.00
2206
No
Urban
32.96
35.12
27.42
62.87
64.04
66.17
30.09
30.91
52.92
19.25
25.18
38.95
37.31
26.06
33.08
58.76
46.22
75.61
0.00
27.35
30.00
45.59
46.34
19.14
25.71
20.29
22.70
15.72
19.08
19.15
33.33
0.00
0.00
0.00
3581
Can't say/Don't
know
Table 5.2b: Distribution of Insured Households by Perception about Mandatory Paper Work at the Time of Claim Settlement (Percentage)
43.31
49.59
37.10
20.20
38.53
21.07
51.96
24.13
36.86
67.91
60.50
27.20
28.23
18.45
29.12
23.37
25.53
15.69
100.00
17.03
59.33
32.86
36.50
55.83
44.00
24.16
60.52
57.07
46.02
45.43
81.82
0.00
100.00
100.00
9601
Yes
19.91
10.49
30.65
11.25
0.30
13.56
3.62
44.22
12.29
8.76
1.18
29.03
30.34
53.40
29.97
12.03
34.53
19.61
0.00
44.24
0.00
17.86
14.19
22.48
26.67
36.91
15.87
25.70
43.09
43.51
9.09
100.00
0.00
0.00
4413
No
36.78
39.92
32.26
68.54
61.17
65.38
44.42
31.65
50.85
23.33
38.32
43.77
41.42
28.16
40.91
64.60
39.94
64.71
0.00
38.73
40.67
49.29
49.31
21.69
29.33
38.93
23.61
17.24
10.89
11.06
9.09
0.00
0.00
0.00
8153
Can't say/Don't
know
All (Rural+Urban)
88.3
91.56
96.73
77.01
99.38
100
96.78
8452
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All sample
Gujarat
South Region
85.46
Goa
Maharashtra
100
82.5
45.31
87.48
73.75
Tripura
West Region
21.52
Sikkim
West Bengal
89.69
87.19
Chhattisgarh
Orissa
68.51
Bihar
90.91
74.72
Assam
Mizoram
79.86
Arunachal Pradesh
71.43
73.41
East Region
78.95
60.5
Uttarakhand
Meghalaya
54.23
Uttar Pradesh
Jharkhand
85.6
Rajasthan
47.46
Himachal Pradesh
71.16
68.33
Haryana
75.78
30.47
Delhi
Punjab
76.25
Chandigarh
Madhya Pradesh
74.79
65.01
North Region
All India
State/UT
71.70
Premium payment
6060
83.22
70.00
66.14
81.48
48.31
71.45
86.75
71.67
92.42
58.75
79.12
55.87
23.73
11.62
84.14
100.00
100.00
64.94
96.05
92.26
79.30
78.91
80.57
50.10
54.60
82.51
64.61
49.92
84.99
68.98
56.41
37.70
61.46
40.57
Change mode of
premium
3429
81.74
91.25
67.08
52.54
58.18
67.18
40.64
43.67
45.45
50.00
42.75
16.55
11.86
40.66
36.41
35.00
33.33
27.58
8.24
21.92
37.44
69.47
30.61
28.93
17.65
30.12
54.98
32.50
35.41
53.28
66.66
26.23
32.45
3605
50.74
66.25
57.05
47.91
66.50
55.35
43.46
41.37
40.91
35.00
41.91
30.35
13.56
87.13
44.60
80.00
80.00
32.12
41.93
26.31
41.27
60.89
39.19
23.24
41.05
33.77
59.45
36.89
39.84
35.40
56.41
11.48
38.41
42.65
Change of nominee
Lock-in period
957
12.92
11.25
10.66
9.26
5.71
9.95
14.84
14.21
0.00
32.50
14.95
0.69
13.56
0.00
20.03
0.00
20.00
8.73
29.03
6.58
7.07
20.58
13.55
1.55
4.09
5.29
15.81
15.52
3.54
13.87
2.56
6.56
8.81
11.32
Surrender value
1468
6.27
2.50
18.18
5.56
9.61
8.82
26.85
25.28
1.52
32.50
25.20
5.52
30.51
0.00
8.19
20.00
46.67
7.33
16.49
11.33
38.62
41.60
17.53
35.64
30.05
2.74
18.56
27.37
4.43
1.46
7.69
0.00
19.16
17.37
4.11
Others
347
0.37
0.00
0.00
0.69
0.00
0.28
0.71
0.00
0.00
0.00
0.34
22.76
83.05
5.81
0.00
0.00
13.33
3.84
0.72
2.92
9.43
12.01
6.92
2.58
2.81
1.46
8.93
0.88
13.28
23.36
0.00
29.51
5.49
80
319
432
385
1758
566
479
66
80
1191
145
59
17
574
20
15
286
279
547
339
233
2516
194
782
548
291
683
113
274
39
61
2986
8452
79.16
98.41
100
97.86
85.52
87.37
92.33
96.28
92.01
74.29
98.57
93.67
52.98
68.57
38.57
98.04
91.67
97.18
76.5
91.76
57.02
67.88
65.5
72.04
85.56
63.85
87.61
71.43
86.65
66.34
65.71
58.17
94.29
73.97
Premium payment
6093
83.39
77.14
54.74
81.30
56.88
72.15
83.06
80.74
96.15
60.87
81.53
32.36
18.75
77.78
87.25
98.63
94.44
73.95
94.58
69.70
91.10
81.95
77.57
55.72
41.36
82.75
49.20
57.91
80.39
75.66
86.51
62.12
64.99
70.84
41.48
Change mode of
premium
3568
78.87
88.57
82.48
46.13
46.85
64.45
44.87
41.70
17.31
66.67
43.78
34.60
12.50
25.93
34.97
34.37
46.52
28.38
10.90
20.99
35.94
71.21
32.27
30.58
17.26
27.72
59.60
33.48
36.61
62.18
59.72
42.42
36.62
Urban
4094
42.10
68.57
57.30
44.99
61.07
50.52
52.30
40.15
23.08
30.44
45.47
48.54
14.58
40.74
51.36
89.66
38.06
39.96
58.38
29.48
55.51
71.70
48.97
31.42
51.05
27.31
74.80
43.23
49.53
47.39
69.21
9.09
48.94
47.60
Change of nominee
Rural
12.96
Lock-in period
1115
32.10
8.57
10.95
3.65
9.09
15.84
15.01
13.97
3.85
23.19
14.62
1.80
4.17
0.00
22.22
7.47
21.14
3.36
31.53
7.00
10.32
14.15
13.53
3.77
7.58
4.69
18.00
18.25
5.02
13.48
0.56
13.64
10.92
18.75
Surrender value
1613
6.29
7.14
9.85
6.62
17.95
9.67
30.61
25.95
7.69
27.54
27.79
8.54
43.75
0.00
9.84
40.35
7.05
8.96
18.68
14.74
39.50
28.78
17.83
42.73
38.63
1.63
21.20
22.92
2.87
1.30
6.14
6.06
22.69
Others
347
0.32
0.00
0.36
0.91
1.17
0.66
0.15
0.00
0.00
0.00
0.08
25.17
75.00
0.00
0.00
0.00
2.82
2.24
1.17
12.74
14.23
13.17
9.23
2.93
2.98
0.41
2.80
0.82
5.02
20.00
1.67
16.67
3.87
4.03
8602
70
274
438
429
1831
673
451
52
69
1245
223
48
27
549
67
71
268
257
400
281
205
2395
239
805
491
250
729
139
230
179
66
2922
76.93
97.65
100.00
98.67
81.06
91.56
91.95
92.46
88.52
78.67
99.33
90.54
49.66
71.33
29.53
93.58
91.49
93.33
73.80
89.32
63.14
71.41
72.38
72.74
72.15
58.72
86.54
73.71
78.40
56.24
67.11
50.00
84.67
69.30
71.26
Premium payment
12153
83.31
73.33
60.88
81.39
52.83
71.81
84.75
76.07
94.07
59.73
80.35
41.6
21.5
52.0
85.7
98.9
95.4
69.3
95.3
82.7
84.6
80.3
79.1
53.20
47.88
82.62
57.49
54.04
82.45
72.03
81.13
50.39
63.21
41.03
6997
80.21
90.00
74.20
49.32
52.21
65.79
42.94
42.71
33.05
57.72
43.28
27.5
12.1
31.7
35.7
34.5
44.2
28.0
9.5
21.5
36.8
70.3
31.4
29.84
17.45
28.99
57.12
33.01
36.07
57.34
60.96
34.64
34.51
45.15
7699
46.13
67.33
57.17
46.44
63.64
52.89
48.26
40.78
33.05
32.89
43.73
41.4
14.0
58.8
47.9
87.4
45.4
35.9
49.8
27.6
47.7
66.0
44.0
27.76
46.12
30.72
66.54
40.16
45.19
40.87
66.92
10.24
43.62
Lock-in period
2072
23.15
10.00
10.79
6.44
7.49
12.96
14.93
14.09
1.69
28.19
14.78
1.4
9.3
0.0
21.1
5.8
20.9
6.1
30.2
6.8
8.5
17.6
13.5
2.78
5.86
5.01
16.82
16.93
4.36
13.69
0.92
10.24
9.85
12.15
Rural + Urban
Change mode of
premium
Table S5.3: Distribution of Households by Awareness about Rights as Policy Holder (Insured Households)
Change of nominee
114
18.07
Surrender value
3081
6.28
4.67
14.33
6.09
14.01
9.25
28.89
25.61
4.24
30.20
26.52
7.3
36.4
0.0
9.0
35.7
14.0
8.1
17.5
12.8
39.0
35.6
17.7
39.55
34.40
2.21
19.78
25.07
3.57
1.39
6.42
3.15
20.90
4.07
Others
694
0.34
0.00
0.17
0.80
0.61
0.47
0.40
0.00
0.00
0.00
0.21
24.2
79.4
2.3
0.0
0.0
4.7
3.1
0.9
7.1
11.6
12.6
8.0
2.78
2.90
0.96
6.10
0.85
8.72
21.83
1.38
22.83
4.69
1162
150
593
870
814
3589
1239
929
118
149
2435
368
107
44
1123
87
86
554
536
948
620
438
4911
432
1587
1038
541
1412
252
504
218
127
5908
17054
115
9783
All Sample
77.14
Karnataka
96.24
95.48
Andhra Pradesh
Tamil Nadu
91.03
Southern Region
98.44
93.45
Maharashtra
100.00
90.50
Gujarat
Pondicherry
73.75
Goa
Kerala
91.46
100.00
98.12
Western Region
West Region
80.77
72.50
Tripura
93.24
Orissa
Sikkim
90.91
Mizoram
77.50
Bihar
73.68
73.17
Assam
Meghalaya
80.56
Arunachal Pradesh
90.31
84.54
Eastern Region
87.79
98.74
Uttarakhand
Jharkhand
79.40
Uttar Pradesh
Chhattisgarh
89.34
75.43
Himachal Pradesh
Rajasthan
81.55
Haryana
97.91
64.06
Delhi
69.79
78.75
Chandigarh
Punjab
84.74
Madhya Pradesh
86.57
Northern Region
All India
State/UT
Providing
correct and
factual
information
3922
60.49
62.50
48.74
34.20
30.53
45.43
49.75
62.35
94.92
35.00
56.07
7.64
20.69
1.55
49.10
30.00
100.01
15.06
56.06
21.48
78.57
66.74
38.52
48.11
30.05
32.88
48.14
26.81
25.07
46.79
52.44
12.70
33.76
40.09
87.72
Depositing
premia in
time
8582
83.50
77.50
77.22
88.27
95.79
85.94
88.98
94.51
96.61
58.75
89.66
98.41
79.31
97.50
89.32
100.00
100.01
83.51
96.20
96.41
80.07
74.82
89.60
76.91
90.05
87.10
83.21
84.58
92.47
91.43
100.00
49.21
86.53
Informing
insurance
company
of policy
loss
2506
46.20
65.00
48.42
35.59
34.74
42.34
38.90
24.66
54.24
35.00
33.58
0.00
5.17
0.00
10.89
55.00
28.57
13.07
44.29
15.34
33.72
30.61
18.50
12.66
12.31
18.89
39.55
20.53
19.50
46.48
31.71
17.46
20.86
25.62
Informing
insurance
company of
policy maturity
2286
37.30
13.75
28.48
21.72
83.42
40.79
25.04
16.57
0.00
21.25
20.16
2.23
8.62
0.00
21.28
45.00
14.29
9.66
25.26
13.24
30.40
55.26
19.67
17.72
15.81
19.76
27.99
22.45
6.13
25.38
1.22
33.33
19.32
23.37
At the time of
claim
1305
4.64
3.75
6.65
20.57
1.32
8.18
15.53
4.93
1.69
33.75
11.73
3.50
44.83
1.55
30.33
45.00
21.43
17.90
10.03
18.25
21.98
37.83
20.64
6.01
1.57
8.22
30.22
13.94
24.51
21.10
4.88
7.94
10.74
13.34
1.41
Others
138
0.19
0.00
0.32
1.85
0.00
0.57
0.00
0.00
0.00
0.00
0.00
0.00
48.28
0.00
0.00
0.00
21.43
5.11
0.35
0.48
5.72
1.70
2.62
1.27
0.26
0.17
3.36
0.21
4.46
5.81
0.00
9.52
1.34
Total no of
responses
539
80
316
433
380
1748
599
507
59
80
1245
314
58
65
597
20
14
352
289
619
332
235
2897
316
1145
572
268
940
180
327
82
63
3892
9783
9675
97.94
100.00
97.86
82.32
90.35
92.11
96.85
92.84
81.43
100.00
94.73
97.86
78.57
92.86
97.67
91.30
95.83
88.47
94.64
82.80
68.14
83.71
87.69
98.92
84.42
94.43
67.62
97.61
80.38
80.86
74.92
91.30
86.86
89.04
Providing
correct and
factual
information
4079
75.69
75.71
40.14
28.71
51.85
53.71
56.28
61.11
50.88
42.86
57.03
7.30
9.09
3.08
36.57
61.52
74.33
11.63
55.85
13.59
82.24
80.53
35.53
42.39
32.78
28.37
40.99
28.02
33.77
52.65
72.80
42.25
39.17
42.16
Depositing
premiums in
time
8649
90.92
61.43
72.99
90.40
87.46
86.12
83.61
91.01
84.21
60.00
84.99
99.02
98.18
95.38
90.50
72.02
95.77
90.10
97.74
93.25
94.65
88.55
93.01
81.89
89.99
91.34
87.46
89.05
94.20
92.93
94.47
76.67
96.01
89.39
Informing
insurance
company of
policy loss
2616
41.81
58.57
43.06
32.03
29.08
37.28
46.38
32.75
8.77
32.86
39.00
0.49
5.45
4.62
15.36
72.02
21.44
11.63
48.30
8.26
28.71
28.24
17.90
20.29
13.71
14.37
52.39
23.51
8.89
56.89
53.30
43.81
26.87
27.04
Informing
insurance
company of
policy maturity
2165
29.01
38.57
37.96
15.18
36.29
29.29
34.86
14.95
0.00
21.43
25.34
1.95
3.64
0.00
23.59
63.02
30.02
14.21
25.66
6.71
25.17
37.78
17.94
20.65
18.41
24.39
30.84
27.29
19.55
21.55
4.33
7.82
22.97
22.38
At the time of
claim
1345
3.89
2.86
9.12
22.78
4.96
9.25
17.58
6.81
3.51
38.57
14.22
5.84
29.09
0.00
42.78
28.51
5.72
15.18
15.09
10.15
29.42
21.75
20.00
6.88
1.50
6.43
27.46
20.95
20.73
16.61
5.20
21.91
12.07
13.90
1.22
Others
118
0.81
0.00
0.73
1.19
0.90
0.88
0.15
0.00
0.00
0.00
0.08
0.24
49.09
0.00
0.00
0.00
7.15
0.00
0.38
1.38
8.86
4.20
2.68
2.17
0.09
0.38
0.42
0.61
0.59
1.77
0.00
3.13
0.67
Total no. of
responses
617
70
274
421
444
1827
677
455
57
70
1259
411
55
65
547
67
70
310
265
581
282
262
2916
276
1065
529
237
821
169
283
231
64
3431
9675
87.78
19458
97.14
100
98.17
79.61
92.66
91.58
95.22
91.6
77.33
100
93.08
97.97
75.33
86.49
95.31
91.21
91.21
88.11
92.33
79.97
70.73
82.2
86.09
98.83
81.74
91.72
68.76
97.77
77.78
81.23
71.72
84.56
85.76
17231
68.60
68.67
44.75
31.49
42.01
49.66
53.21
61.76
73.28
38.67
56.56
7.45
15.04
2.31
43.11
54.24
78.61
13.45
55.96
17.66
80.26
74.01
37.02
45.44
31.36
30.71
44.78
27.37
29.28
49.51
67.47
27.58
36.30
41.12
Providing
correct and
factual
information
Rural + Urban
5122
87.46
70.00
75.25
89.32
91.30
86.03
86.13
92.85
90.52
59.33
87.31
98.76
88.50
96.44
89.88
78.48
96.48
86.60
96.93
94.88
86.77
82.05
91.31
79.23
90.02
89.13
85.21
86.66
93.30
92.13
95.92
63.04
90.97
88.55
26.32
4451
43.86
62.00
45.93
33.83
31.69
39.76
42.87
28.49
31.90
34.00
36.31
0.28
5.31
2.31
13.03
68.09
22.63
12.39
46.21
11.91
31.42
29.36
18.20
16.22
12.99
16.72
45.57
21.92
14.35
51.31
47.64
30.73
23.68
2650
32.87
25.33
32.88
18.50
58.04
34.92
30.25
15.81
0.00
21.33
22.77
2.07
6.19
0.00
22.38
58.86
27.40
11.79
25.45
10.08
28.00
46.05
18.80
19.09
17.06
21.99
29.33
24.70
12.63
23.61
3.52
20.49
21.03
22.87
256
4.24
3.33
7.80
21.66
3.28
8.73
16.61
5.82
2.59
36.00
12.98
4.83
37.17
0.77
36.29
32.31
8.34
16.62
12.46
14.33
25.40
29.36
20.32
6.42
1.54
7.36
28.93
17.21
22.68
19.02
5.12
14.97
11.36
13.62
256
0.52
0.00
0.51
1.52
0.49
0.73
0.08
0.00
0.00
0.00
0.04
0.14
48.67
0.00
0.00
0.00
9.53
2.72
0.36
0.92
7.16
3.02
2.65
1.69
0.18
0.27
1.98
0.40
2.58
3.93
0.00
6.30
1.02
1.32
1156
150
590
854
824
3574
1276
962
116
150
2504
725
113
130
1144
87
84
662
554
1200
614
497
5813
592
2209
1101
505
1761
348
610
313
127
7323
19458
Urban
Informing
insurance
company of
policy loss
Rural
At the time of
claim
Others
Table S5.4: Distribution of Households by Awareness about Duties as a Policy Holder (Insured)
Total no. of
responses
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttara khand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Stop
depositing
the premium
11.95
14.14
7.50
17.14
0.94
2.15
16.08
28.87
7.86
14.92
21.32
7.85
12.85
4.30
7.32
1.89
14.72
0.00
13.64
10.42
0.00
21.25
0.63
11.57
1.25
2.50
18.57
7.85
14.51
16.33
16.31
12.46
17.50
12.16
1350
Change mode
of payment
10.66
6.88
2.50
20.00
1.25
7.73
8.98
6.56
2.93
6.94
12.23
10.07
17.36
15.38
7.32
3.79
7.36
0.00
54.55
12.34
0.00
13.75
7.19
13.26
21.25
12.50
13.39
12.24
18.37
33.42
4.66
19.63
8.75
22.00
1205
Consult
agent
52.75
57.28
32.50
25.71
77.81
54.08
52.61
21.78
76.78
62.04
50.16
51.02
44.10
46.15
61.36
58.68
37.06
64.71
31.82
52.24
59.49
18.75
52.19
49.67
51.25
58.75
45.00
52.43
47.81
27.89
42.11
58.26
73.75
57.96
5961
Approach
company
15.80
14.42
23.75
8.57
10.00
20.17
19.21
28.08
7.13
9.85
15.36
17.36
22.57
18.55
16.54
22.08
19.04
11.76
0.00
19.07
17.72
13.75
5.31
21.44
23.75
20.00
19.11
23.39
12.16
22.11
13.98
9.35
0.00
6.62
1786
Approach
ombudsman/
Lokayukta
1.17
1.21
0.00
5.71
0.63
0.43
0.31
1.05
0.37
2.57
0.31
1.84
0.00
0.90
1.64
1.58
6.09
5.88
0.00
2.40
0.00
0.00
0.00
0.74
2.50
0.00
0.71
0.63
0.21
0.00
0.54
0.00
0.00
0.18
132
Others
0.48
0.74
15.00
0.00
0.00
1.72
0.73
0.79
0.37
0.14
0.63
0.47
0.00
1.81
0.13
0.00
0.00
0.00
0.00
0.16
0.00
7.50
0.00
0.00
0.00
0.00
0.00
0.00
0.26
0.00
0.90
0.00
0.00
0.00
54
Don't know
7.18
5.33
18.75
22.86
9.38
13.73
2.09
12.86
4.57
3.54
0.00
11.38
3.13
12.90
5.68
11.99
15.74
17.65
0.00
3.37
22.78
25.00
34.69
3.32
0.00
6.25
3.21
3.45
6.68
0.25
21.51
0.31
0.00
1.07
811
Change mode
of payment
11.97
9.71
6.06
42.51
0.00
20.67
8.22
7.49
6.71
9.05
7.53
10.90
23.08
10.29
5.91
1.07
10.95
1.41
65.75
12.45
1.43
14.29
8.35
15.67
17.14
15.71
16.53
14.91
15.71
18.33
5.70
10.71
18.57
23.65
1301
Stop
depositing
the premium
7.19
5.71
4.29
7.35
7.53
14.49
11.41
15.13
27.50
4.29
11.75
1092
10.05
9.35
7.58
8.98
3.97
2.88
8.94
25.94
1.30
9.60
12.90
9.35
5.77
8.33
18.44
1.79
10.66
1.41
8.22
12.08
0.00
18.57
Consult
agent
50.15
55.24
28.79
15.57
77.62
51.44
51.13
30.55
81.17
59.05
48.75
46.92
32.37
54.90
33.29
60.00
52.45
59.15
17.81
54.72
75.71
11.43
53.46
50.87
41.43
44.29
49.59
53.40
45.00
41.75
36.94
50.00
74.29
48.57
5449
19.14
17.72
28.79
20.96
11.91
21.15
26.58
25.94
7.14
12.22
21.86
19.79
28.85
13.48
19.16
31.43
18.16
28.17
6.85
18.11
15.71
21.43
17.18
23.92
35.71
34.29
25.10
20.84
17.68
20.77
23.38
10.36
2.86
15.56
2080
Approach
company
Urban
Approach
ombudsman/
Lokayukta
2.31
4.40
7.58
1.80
0.00
0.00
4.05
2.31
0.22
7.70
8.60
1.37
0.64
0.98
1.87
0.71
2.59
5.63
0.00
1.89
0.00
0.00
0.24
1.14
0.00
0.00
0.00
2.17
0.51
0.81
0.20
1.43
0.00
0.16
251
Others
0.66
0.33
6.06
0.00
0.72
0.48
0.00
0.58
0.22
0.16
0.36
1.47
0.32
0.00
4.47
0.00
0.00
0.00
0.00
0.00
0.00
22.86
0.00
0.00
0.00
0.00
0.00
0.00
0.40
0.41
0.98
0.00
0.00
0.16
72
Don't know
5.73
3.25
15.15
10.18
5.78
3.37
1.07
7.20
3.25
2.22
0.00
10.20
8.97
12.01
16.86
5.00
5.19
4.23
1.37
0.75
7.14
11.43
20.76
1.21
0.00
1.43
1.43
1.16
6.21
6.52
17.68
0.00
0.00
0.16
623
Change mode
of payment
11.30
8.22
4.11
38.61
0.67
13.83
8.63
7.01
4.66
7.92
10.03
10.48
20.33
12.94
6.66
2.51
9.04
1.14
63.16
12.39
0.67
14.00
7.85
14.45
19.33
14.00
14.86
13.63
17.02
25.08
5.15
15.47
13.33
22.88
2505
Stop
depositing
the premium
11.02
11.86
7.53
10.40
2.35
2.49
12.74
27.47
4.86
12.44
17.39
8.59
9.17
6.24
12.52
1.84
12.82
1.14
9.47
11.18
0.00
20.00
0.27
9.41
3.33
3.33
13.33
7.68
14.50
13.61
15.75
19.47
11.33
11.94
2443
51.48
56.31
30.82
17.33
77.72
52.83
51.92
25.96
78.79
60.64
49.50
49.00
38.00
50.35
48.25
59.30
44.26
60.23
21.05
53.38
67.11
15.33
52.91
50.26
46.67
52.00
47.14
52.94
46.38
35.55
39.64
54.41
74.00
52.99
11412
Consult
agent
Rural
17.43
15.99
26.03
18.81
10.89
20.63
22.65
27.06
7.14
10.96
18.39
18.56
25.83
16.12
17.77
26.47
18.62
25.00
5.26
18.63
16.78
17.33
12.04
22.67
29.33
26.67
21.90
22.06
14.96
21.37
18.46
9.82
1.33
11.35
3864
Approach
company
Table S5.5: Percentage of Households by "What Households Would Do If They Are Not Satisfied With the Mode of Premium (Insured)
1.73
2.73
3.42
2.48
0.34
0.23
2.06
1.65
0.30
4.96
4.18
1.61
0.33
0.94
1.75
1.17
4.45
5.68
0.00
2.17
0.00
0.00
0.14
0.93
1.33
0.00
0.38
1.43
0.36
0.45
0.37
0.67
0.00
0.17
383
Approach
ombudsman/
Lokayukta
116
Others
0.57
0.55
10.96
0.00
0.34
1.13
0.39
0.69
0.30
0.15
0.50
0.96
0.17
0.94
2.15
0.00
0.00
0.00
0.00
0.09
0.00
14.67
0.00
0.00
0.00
0.00
0.00
0.00
0.33
0.22
0.94
0.00
0.00
0.08
126
6.47
4.34
17.12
12.38
7.71
8.84
1.61
10.16
3.96
2.92
0.00
10.80
6.17
12.47
10.90
8.71
10.80
6.82
1.05
2.17
15.44
18.67
26.79
2.28
0.00
4.00
2.38
2.26
6.44
3.71
19.68
0.17
0.00
0.59
1434
Don't know
117
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttara khand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Unable to pay
premium
51.91
45.78
0.00
59.38
57.11
46.19
54.07
18.80
23.16
57.71
36.25
58.00
36.24
34.01
69.10
58.93
50.13
61.11
68.18
73.91
51.28
31.65
67.40
63.92
63.75
46.25
73.21
58.03
47.24
26.38
48.93
49.22
41.25
60.11
5866
Forced by
agent
7.14
9.64
15.00
1.56
2.00
0.85
13.67
13.32
9.70
8.33
16.88
3.86
11.15
3.85
2.90
2.19
6.80
0.00
22.73
2.81
0.00
1.27
0.31
8.89
15.00
1.25
10.36
7.80
5.74
1.26
8.39
7.79
3.75
5.37
807
Terms and
conditions are
not acceptable
14.10
12.28
36.25
1.56
3.99
9.75
12.94
12.27
4.54
14.93
24.38
12.44
34.49
20.63
4.41
5.64
11.84
0.00
9.09
13.59
0.00
49.37
1.25
17.78
21.25
45.00
9.11
21.53
18.77
30.90
13.93
21.81
42.50
9.84
1593
Within first 15
days
9.59
10.25
12.50
0.78
17.46
1.27
16.28
18.02
8.14
3.61
17.81
5.45
2.79
5.44
4.04
10.34
7.56
16.67
0.00
7.03
0.00
0.00
3.13
2.28
0.00
0.00
2.14
2.96
20.49
40.20
5.18
20.25
12.50
23.08
1084
Others
0.63
0.81
10.00
0.00
0.25
1.69
0.52
0.52
0.31
0.42
2.81
0.68
1.39
1.13
0.63
0.00
0.50
0.00
0.00
0.16
0.00
2.53
1.25
0.00
0.00
0.00
0.00
0.00
0.57
0.00
1.79
0.31
0.00
0.00
71
Don't know
16.64
21.24
26.25
36.72
19.20
40.25
2.51
37.08
54.15
15.00
1.88
19.57
13.94
34.92
18.92
22.88
23.17
22.22
0.00
2.50
48.72
15.19
26.65
7.13
0.00
7.50
5.18
9.67
7.19
1.26
21.79
0.62
0.00
1.61
1880
Within first 15
days
8.66
7.77
8.70
6.84
16.86
3.33
7.51
10.57
11.27
3.09
11.83
7.29
4.79
10.00
6.18
15.00
5.75
4.23
31.51
8.60
1.43
0.00
1.19
2.86
0.00
0.00
2.65
3.58
16.76
15.07
7.65
22.50
12.86
23.33
941
Terms and
conditions are
not acceptable
13.92
12.55
30.43
8.14
2.29
9.05
11.20
20.29
9.66
14.35
20.43
13.15
39.62
14.39
4.17
6.43
15.52
0.00
16.44
17.56
0.00
41.43
2.86
18.15
30.00
38.57
11.22
19.77
15.30
25.46
10.98
18.21
18.57
9.21
1513
Forced by
agent
6.81
9.07
13.04
3.58
1.43
1.43
11.44
19.71
6.62
9.28
12.90
2.57
2.24
7.32
1.15
3.21
4.02
0.00
0.00
2.69
0.00
2.86
0.00
10.24
12.86
0.00
13.06
9.03
6.76
1.02
8.82
13.93
2.86
6.83
740
52.96
50.66
15.94
50.49
60.29
40.48
66.15
24.00
20.39
61.70
52.69
51.78
24.92
35.85
48.42
59.29
60.06
39.44
45.21
70.25
65.71
32.86
60.62
60.92
57.14
61.43
67.76
56.45
54.47
53.97
52.16
44.64
65.71
59.84
5755
Unable to pay
premium
Urban
Others
1.43
0.69
1.45
0.65
1.43
0.00
0.12
1.43
0.89
0.40
1.79
3.48
12.46
0.73
7.61
0.71
0.00
1.41
4.11
0.00
0.00
8.57
1.91
0.00
0.00
0.00
0.00
0.00
0.56
1.02
0.00
0.71
0.00
0.63
155
Don't know
16.23
19.27
30.43
30.29
17.71
45.71
3.58
24.00
51.16
11.18
0.36
21.74
15.97
31.71
32.47
15.36
14.66
54.93
2.74
0.90
32.86
14.29
33.41
7.83
0.00
0.00
5.31
11.17
6.16
3.46
20.39
0.00
0.00
0.16
1764
Within first 15
days
9.13
9.06
10.74
5.06
17.18
2.24
12.19
14.46
9.60
3.37
15.03
6.36
3.83
7.64
5.04
12.52
6.71
6.74
24.21
7.76
0.68
0.00
2.03
2.57
0.00
0.00
2.38
3.29
18.59
26.32
6.36
21.30
12.67
23.21
2024
Terms and
conditions are
not acceptable
14.01
12.41
33.56
6.21
3.20
9.42
12.13
16.10
6.93
14.66
22.54
12.79
37.17
17.63
4.30
6.01
13.56
0.00
14.74
15.44
0.00
45.64
2.17
17.96
25.33
42.00
10.10
20.61
17.00
27.90
12.52
20.13
31.33
9.50
3106
6.98
9.37
14.09
2.99
1.73
1.12
12.63
16.37
8.26
8.77
15.03
3.22
6.50
5.52
2.08
2.67
5.50
0.00
5.26
2.75
0.00
2.01
0.14
9.56
14.00
0.67
11.62
8.44
6.26
1.12
8.60
10.65
3.33
6.14
1547
Forced by
agent
Rural
52.42
48.12
7.38
53.10
58.59
43.50
59.71
21.28
21.87
59.57
43.91
54.93
30.33
34.90
59.44
59.10
54.77
43.82
50.53
72.20
58.11
32.21
63.55
62.44
60.67
53.33
70.67
57.21
50.91
41.62
50.47
47.09
52.67
59.97
11620
Unable to pay
premium
Table S5.6: Percentage of Households by Knowledge about "When a Policy Can Be Cancelled (Insured)
Others
1.02
0.75
6.04
0.46
0.80
0.90
0.33
0.95
0.58
0.41
2.34
2.06
7.17
0.94
3.90
0.33
0.27
1.12
3.16
0.08
0.00
5.37
1.63
0.00
0.00
0.00
0.00
0.00
0.56
0.56
0.93
0.50
0.00
0.34
226
16.44
20.30
28.19
32.18
18.51
42.83
3.01
30.83
52.75
13.22
1.17
20.64
15.00
33.37
25.25
19.37
19.19
48.31
2.11
1.75
41.22
14.77
30.49
7.47
0.00
4.00
5.24
10.46
6.67
2.47
21.12
0.33
0.00
0.84
3644
Don't know
118
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttara khand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgar h
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Clauses
12.40
3.93
27.50
0.79
0.00
3.39
9.19
8.14
0.94
1.60
0.31
11.26
39.30
10.41
1.89
21.32
3.51
27.78
4.55
18.15
0.00
6.25
0.0
14.72
33.75
13.75
14.49
12.66
32.99
44.97
13.57
54.52
32.50
31.60
1401
Change/
Modifications
21.46
11.21
5.00
12.70
6.30
3.81
14.93
16.54
13.30
11.32
1.56
23.63
25.26
15.16
20.83
9.40
31.08
16.67
86.36
43.35
0.00
5.00
12.81
23.18
37.50
6.25
24.51
22.34
40.87
47.74
14.29
37.07
67.50
61.04
2425
Rural
2.85
2.45
13.75
0.79
3.53
1.27
1.77
1.84
0.16
2.85
5.31
3.18
17.54
5.20
0.13
0.94
0.75
22.22
0.00
0.63
0.00
13.75
2.81
1.91
1.25
5.00
1.79
1.72
3.91
2.76
5.36
4.36
0.00
3.59
322
Others
63.29
82.41
53.75
85.71
90.18
91.53
74.11
73.49
85.60
84.24
92.81
61.93
17.89
69.23
77.15
68.34
64.66
33.33
9.09
37.87
100.00
75.00
84.38
60.19
27.50
75.00
59.21
63.28
22.23
4.52
66.79
4.05
0.00
3.77
7152
Dont' know
26.01
21.38
11.43
12.75
5.43
3.33
29.00
33.14
19.64
24.15
20.58
20.77
36.10
12.78
11.94
13.57
14.33
11.59
91.78
38.64
2.86
17.39
10.74
30.14
50.00
2.86
28.02
32.38
41.75
39.71
8.40
50.36
12.86
69.84
2826
Change/
Modifications
13.65
6.64
22.86
5.23
0.00
2.86
21.12
9.88
0.55
1.99
0.72
12.47
28.12
5.65
2.16
30.00
3.15
33.33
1.37
29.34
0.00
4.35
0.00
18.09
27.14
7.14
19.02
17.62
27.53
25.66
14.06
43.57
85.71
26.35
1483
Clauses
Urban
3.17
3.52
14.29
1.31
7.14
0.95
4.77
2.91
0.36
1.83
11.55
3.42
16.29
2.46
0.43
2.86
0.29
8.70
2.74
0.18
0.00
21.74
3.82
1.06
0.00
8.57
0.41
0.86
3.43
6.72
1.56
5.71
1.43
1.59
344
Others
Table S5.7: Percentage of Households by Knowledge about "What Are the Various Assignments in the Policy (Insured)
57.17
68.46
51.43
80.72
87.43
92.86
45.11
54.07
79.45
72.04
67.15
63.34
19.49
79.12
85.47
53.57
82.23
46.38
4.11
31.84
97.14
56.52
85.44
50.72
22.86
81.43
52.56
49.14
27.28
27.90
75.98
0.36
0.00
2.22
6212
Dont' know
23.69
16.08
8.00
12.73
5.89
3.59
21.49
24.41
16.23
17.30
10.39
22.22
30.94
14.02
16.68
11.35
23.26
12.64
90.53
41.15
1.35
10.74
11.64
26.62
43.33
4.67
26.15
27.58
41.32
43.31
11.47
43.26
42.00
65.71
5251
Change/
Modifications
13.01
5.23
25.33
3.94
0.00
3.14
14.76
8.97
0.76
1.78
0.50
11.86
33.44
8.13
2.02
25.38
3.34
32.18
2.11
23.37
0.00
5.37
0.00
16.38
30.67
10.67
16.60
15.25
30.21
34.31
13.81
49.42
57.33
28.81
2884
Clauses
3.01
2.96
14.00
1.16
5.22
1.12
3.17
2.34
0.25
2.37
8.21
3.30
16.89
3.89
0.27
1.84
0.53
11.49
2.11
0.42
0.00
17.45
3.38
1.49
0.67
6.67
1.15
1.27
3.67
4.95
3.54
4.99
0.67
2.53
667
Others
60.29
75.73
52.67
82.18
88.89
92.15
60.58
64.28
82.76
78.55
80.90
62.63
18.73
73.97
81.04
61.44
72.86
43.68
5.26
35.06
98.65
66.44
84.98
55.51
25.33
78.00
56.11
55.90
24.80
17.44
71.18
2.33
0.00
2.95
13364
Dont' know
121
16.20
51.25
34.53
2491
Pondicherry
Tamil Nadu
All Sample
39.93
Karnataka
Kerala
51.13
1.25
Goa
37.18
0.00
Andhra Pradesh
3.82
Western Region
Southern Region
15.63
West Bengal
4.64
51.25
Tripura
3.90
27.85
Sikkim
Maharashtra
16.28
Orissa
Gujarat
5.56
38.35
Jharkhand
0.00
5.02
Chhattisgarh
Mizoram
31.45
Bihar
Meghalaya
3.46
20.48
Eastern Region
11.29
20.63
Uttarakhand
Assam
28.68
Uttar Pradesh
Arunachal Pradesh
15.00
Rajasthan
10.92
Himachal Pradesh
16.16
48.63
Haryana
12.27
7.81
Delhi
Punjab
18.75
Chandigarh
Madhya Pradesh
22.04
22.29
Northern Region
Up to one
month
All India
State/UT
23.20
Three months
2622
45.68
30.00
47.66
27.27
46.85
40.21
19.50
22.68
35.00
42.50
23.07
20.94
8.75
6.33
33.96
0.00
5.56
14.54
16.61
14.34
10.38
6.92
17.28
20.63
15.21
39.69
14.88
25.65
21.43
3.99
16.41
15.00
20.53
Six months
1191
16.01
18.75
34.58
4.99
1.26
12.95
23.71
19.29
15.00
36.25
22.12
5.00
1.25
0.00
19.72
0.00
0.00
8.02
9.40
9.31
11.51
32.18
12.43
1.56
2.01
3.59
16.97
4.17
17.23
1.00
3.91
5.00
4.71
10.54
One year
328
1.80
0.00
0.93
0.18
0.00
0.73
8.74
9.11
1.25
15.00
8.82
0.94
0.00
0.00
0.78
54.55
0.00
2.76
5.64
2.01
7.45
17.99
4.41
0.63
0.14
0.00
4.96
0.94
1.68
1.00
1.56
1.25
0.94
2.90
1.35
More than a
year
153
1.26
0.00
0.31
1.96
0.00
0.99
2.03
2.86
3.75
2.50
2.50
0.00
0.00
0.00
1.88
0.00
0.00
1.50
0.31
1.51
0.90
9.34
1.82
0.63
0.07
0.31
1.04
2.19
2.52
0.00
0.00
1.25
0.81
16.34
No specific
time
1847
0.18
0.00
0.00
1.25
0.25
0.47
19.19
22.14
27.50
3.75
19.99
0.94
10.00
0.00
9.86
40.91
38.89
10.03
12.23
13.21
26.86
18.69
13.14
49.06
30.90
2.50
35.51
29.20
12.18
4.24
3.13
36.25
24.25
23.62
Don't know
2669
0.54
0.00
0.31
24.42
0.50
7.47
22.93
19.29
16.25
0.00
19.69
56.56
28.75
65.82
17.53
4.55
50.00
24.81
50.78
28.18
31.60
11.42
30.44
6.88
22.99
38.91
14.36
21.69
34.03
41.15
67.19
22.50
26.48
21.96
Up to one
month
2386
51.27
45.71
17.14
47.95
22.24
38.21
3.58
8.78
4.29
0.00
5.35
22.01
52.86
32.86
13.75
24.66
1.41
35.84
8.57
28.30
9.49
2.57
19.36
20.43
23.65
17.27
16.86
11.79
20.95
50.00
22.40
21.43
21.60
Three months
2458
37.62
32.86
49.64
25.64
31.22
34.48
17.77
23.47
31.43
45.71
22.06
24.16
11.43
12.86
36.25
5.48
15.49
20.81
26.43
12.07
10.71
8.36
19.24
19.71
14.13
35.43
16.86
26.19
26.19
2.29
17.21
21.43
19.89
22.62
Six months
1314
8.89
21.43
28.57
2.54
14.69
11.91
24.50
18.98
21.43
41.43
23.19
7.42
4.29
1.43
29.46
0.00
1.41
13.87
13.93
6.90
7.06
27.33
13.61
0.00
3.57
1.80
27.14
8.69
20.00
3.43
10.39
10.00
7.48
12.09
300
0.95
0.00
3.21
0.39
4.90
2.07
6.45
8.78
1.43
4.29
6.93
0.96
2.86
0.00
0.89
17.81
1.41
2.31
9.64
2.01
5.60
3.54
3.27
0.00
0.32
0.54
6.29
1.43
0.00
0.29
3.90
5.71
1.37
2.76
One year
1.15
More than a
year
125
0.79
0.00
1.07
0.20
0.41
0.56
3.72
3.27
0.00
7.14
3.54
0.00
0.00
0.00
0.89
0.00
0.00
0.58
0.36
2.16
1.46
2.25
1.09
0.00
0.00
0.00
1.14
2.26
0.48
0.00
1.95
1.43
0.73
16.78
No specific
time
1823
0.00
0.00
0.00
0.59
17.14
4.39
19.77
18.37
22.86
1.43
18.45
4.55
7.14
0.00
7.86
49.32
23.94
7.23
10.36
13.65
32.36
26.37
14.67
54.84
35.32
3.42
20.29
28.81
11.43
6.57
3.25
21.43
23.73
22.63
Don't know
2459
0.48
0.00
0.36
22.70
9.39
8.38
24.21
18.37
18.57
0.00
20.48
40.91
21.43
52.86
10.89
2.74
56.34
19.36
30.71
34.91
33.33
29.58
28.77
5.02
23.02
41.55
11.43
20.83
20.95
37.43
40.91
18.57
25.20
Up to one
month
4877
43.42
48.67
16.64
43.75
35.17
37.71
3.73
6.57
2.67
0.00
4.57
19.24
52.00
30.20
15.10
18.95
2.25
37.18
6.68
29.98
10.42
3.00
19.93
20.53
26.33
16.05
14.46
14.12
15.63
49.27
18.12
20.00
21.96
22.00
22.92
Three months
5081
41.40
31.33
48.59
26.49
38.22
37.29
18.60
23.05
33.33
44.00
22.57
22.76
10.00
9.40
35.03
4.21
13.48
17.45
21.20
13.28
10.54
7.67
18.24
20.20
14.70
37.71
15.83
25.90
23.66
3.20
16.97
18.00
20.22
2505
12.23
20.00
31.78
3.82
8.68
12.42
24.12
19.14
18.00
38.67
22.65
6.37
2.67
0.67
24.27
0.00
1.12
10.74
11.52
8.18
9.37
29.67
13.01
0.83
2.74
2.76
21.83
6.28
18.53
2.13
8.49
7.33
6.04
11.30
Six months
Urban
627
1.35
0.00
2.00
0.28
2.71
1.41
7.54
8.95
1.33
10.00
7.88
0.95
1.33
0.00
0.83
26.32
1.12
2.55
7.51
2.01
6.56
10.50
3.85
0.33
0.22
0.25
5.59
1.17
0.89
0.67
3.21
3.33
1.15
2.83
One year
Rural
277
1.01
0.00
0.67
1.12
0.23
0.77
2.91
3.05
2.00
4.67
3.01
0.00
0.00
0.00
1.42
0.00
0.00
1.07
0.33
1.81
1.17
5.67
1.46
0.33
0.04
0.17
1.09
2.22
1.56
0.00
1.38
1.33
0.77
1.25
More than a
year
Table S5.10: Percentage of Households by Knowledge about Time Taken for Settlement of Claims (Insured)
16.56
No specific
time
3671
0.08
0.00
0.00
0.93
9.58
2.46
19.49
20.38
25.33
2.67
19.23
2.98
8.67
0.00
8.92
47.37
26.97
8.72
11.35
13.41
29.51
22.67
13.89
51.75
32.96
2.93
28.24
29.02
11.83
5.33
3.21
29.33
24.00
5129
0.51
0.00
0.33
23.60
5.41
7.93
23.60
18.86
17.33
0.00
20.08
47.70
25.33
59.73
14.43
3.16
55.06
22.28
41.40
31.32
32.44
20.83
29.62
6.01
23.00
40.13
12.96
21.29
27.90
39.41
48.62
20.67
25.86
23.14
Don't know
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttarakhand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Full sum
assured
15.91
14.51
1.25
5.47
20.20
4.62
22.84
17.97
4.53
11.24
27.19
8.68
11.81
4.07
7.67
1.88
13.03
5.56
18.18
18.13
1.27
2.50
0.00
13.83
17.50
7.50
10.75
16.85
33.58
47.36
7.66
33.02
71.25
44.72
1798
Amount paid
by
policyholder
22.62
19.65
46.25
9.38
3.49
10.08
16.48
39.06
13.28
24.50
21.56
17.68
31.25
10.18
18.62
7.81
24.31
0.00
13.64
22.03
0.00
5.00
15.14
22.37
53.75
16.25
25.81
16.22
38.69
50.13
20.32
58.26
25.00
39.71
2556
36.84
38.18
7.50
41.41
61.60
18.49
29.30
21.35
53.44
41.85
29.69
41.09
36.81
44.57
33.84
51.25
38.60
61.11
68.18
43.59
17.72
40.00
49.21
45.18
27.50
50.00
43.01
48.67
20.18
1.01
47.59
8.41
3.75
15.38
4163
Surrender
value as
decided by
company
Others
2.84
4.94
20.00
1.56
0.00
7.14
14.49
1.56
0.63
0.56
10.94
2.32
9.03
4.75
0.75
1.25
0.25
0.00
0.00
0.16
0.00
13.75
2.84
0.37
0.00
1.25
0.54
0.16
0.47
0.25
1.43
0.00
0.00
0.00
321
Don't know
21.79
22.72
25.00
42.19
14.71
59.66
16.89
20.05
28.13
21.86
10.63
30.24
11.11
36.43
39.12
37.81
23.81
33.33
0.00
16.09
81.01
38.75
32.81
18.25
1.25
25.00
19.89
18.10
7.09
1.26
22.99
0.31
0.00
0.18
2462
Full sum
assured
14.52
12.12
12.86
4.22
17.14
6.67
16.79
23.14
5.72
8.33
20.43
100.00
9.62
5.90
3.46
3.21
10.03
0.00
24.66
21.79
0.00
0.00
0.48
16.30
21.43
14.29
12.32
18.77
29.35
20.98
9.77
38.57
57.14
44.60
1578
Amount paid
by
policyholder
23.69
21.46
28.57
38.64
3.71
21.90
19.29
32.86
13.24
23.97
20.07
7.99
10.26
18.92
15.56
10.36
33.81
2.82
6.85
28.57
1.43
5.71
14.56
27.09
50.00
38.57
26.69
23.93
35.55
34.01
23.63
42.86
40.00
42.70
2574
Urban
40.46
46.73
14.29
30.52
64.86
28.57
45.95
27.14
55.10
52.06
49.82
18.06
30.13
34.89
33.86
60.36
29.80
52.11
63.01
42.68
38.57
54.29
46.78
44.00
28.57
34.29
43.94
46.56
25.26
31.16
44.92
15.00
2.86
11.75
4396
Surrender
value as
decided by
company
Rural
Others
2.23
2.70
7.14
0.32
0.00
4.29
6.90
1.43
0.18
1.19
7.17
40.15
11.86
1.97
4.61
1.07
1.72
0.00
2.74
0.00
1.43
15.71
3.58
0.00
0.00
0.00
0.00
0.00
0.66
1.43
0.00
1.43
0.00
0.32
242
Don't know
19.09
16.99
37.14
26.30
14.29
38.57
11.07
15.43
25.76
14.44
2.51
3.48
38.14
38.33
42.51
25.00
24.64
45.07
2.74
6.96
58.57
24.29
34.61
12.60
0.00
12.86
17.04
10.74
9.18
12.42
21.68
2.14
0.00
0.63
2074
Full sum
assured
15.23
13.36
6.67
4.59
18.77
5.58
20.01
20.44
5.09
9.89
24.04
30.32
10.67
4.95
5.71
2.50
11.63
1.12
23.16
19.83
0.67
1.33
0.27
15.05
19.33
10.67
11.48
17.85
31.43
32.77
8.67
35.61
64.67
44.66
3376
23.15
20.52
38.00
30.05
3.60
15.63
17.79
36.10
13.26
24.25
20.87
100.00
20.33
14.37
17.19
9.00
28.74
2.25
8.42
25.08
0.67
5.33
14.81
24.70
52.00
26.67
26.22
20.24
37.09
41.22
21.90
51.08
32.00
41.30
5132
Amount paid
by
policyholder
Table S5.11: Percentage of Households by Knowledge about Amount of the Face Value to Receive If Policy Is Surrendered Before Maturity (Insured)
38.62
42.28
10.67
33.72
63.12
23.21
37.08
24.11
54.21
46.61
39.07
8.34
33.33
39.93
33.85
55.50
34.49
53.93
64.21
43.17
27.52
46.67
47.83
44.60
28.00
42.67
43.44
47.57
22.76
17.68
46.32
11.48
3.33
13.46
8561
Surrender
value as
decided by
company
122
Others
2.54
3.87
14.00
0.69
0.00
5.80
10.95
1.50
0.42
0.85
9.18
17.87
10.50
3.42
2.55
1.17
0.94
0.00
2.11
0.08
0.67
14.67
3.26
0.19
0.00
0.67
0.29
0.07
0.56
0.90
0.75
0.67
0.00
0.17
563
20.46
19.97
30.67
30.96
14.51
49.78
14.17
17.85
27.02
18.40
6.84
40.63
25.17
37.34
40.70
31.83
24.20
42.70
2.11
11.83
70.47
32.00
33.83
15.46
0.67
19.33
18.56
14.26
8.15
7.43
22.37
1.16
0.00
0.42
4535
Don't know
123
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttara khand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample State
All India
State/UT
60.31
53.31
6.25
87.50
90.27
31.93
38.20
31.59
45.70
67.73
42.50
67.97
45.49
49.43
77.05
54.38
66.75
38.89
63.64
76.53
100.00
61.25
85.22
53.46
73.75
56.25
54.40
49.77
68.35
44.47
70.00
75.70
60.00
80.68
6816
Yes
22.99
23.95
41.25
6.25
4.74
43.28
35.28
34.20
28.17
14.99
22.19
17.44
46.88
13.38
10.47
26.56
14.61
38.89
0.00
15.81
0.00
26.25
13.52
36.08
25.00
28.75
38.06
36.66
21.22
54.77
4.82
18.38
38.75
12.88
2598
No penalty
for a few
days
Rural
5.41
9.31
13.75
0.78
0.25
4.20
18.06
9.66
2.66
6.80
24.69
2.21
2.78
4.99
1.64
1.56
2.02
0.00
9.09
2.03
0.00
1.25
0.94
3.09
0.00
2.50
1.26
5.15
3.39
0.00
2.50
5.30
1.25
5.90
611
No penalty
at all
11.29
13.43
38.75
5.47
4.74
20.59
8.46
24.54
23.47
10.48
10.63
12.37
4.86
32.20
10.84
17.50
16.62
22.22
27.27
5.63
0.00
11.25
0.31
7.36
1.25
12.50
6.28
8.42
7.04
0.75
22.68
0.62
0.00
0.54
1276
Can't say
60.51
53.81
30.00
71.43
90.00
38.57
43.79
30.00
49.55
61.35
40.86
68.30
43.13
31.20
83.05
54.64
66.48
60.00
76.71
82.32
98.57
41.43
89.95
50.79
72.86
64.29
48.36
48.92
68.28
50.51
72.07
67.14
61.43
80.32
6575
Yes
25.53
27.86
28.57
18.18
8.00
45.71
39.26
40.29
19.32
23.41
37.28
19.78
44.73
30.47
8.05
29.64
17.19
34.29
16.44
15.18
1.43
42.86
9.33
39.70
22.86
27.14
44.67
39.17
20.68
38.70
8.01
21.79
38.57
14.44
2774
No penalty
for a few
days
4.30
6.56
18.57
3.57
0.0
10.00
9.31
12.00
1.79
4.84
14.70
2.48
0.64
4.91
1.44
4.29
7.74
1.43
0.00
1.07
0.00
2.86
0.48
4.00
4.29
1.43
1.84
5.74
2.72
0.20
0.98
6.07
0.00
4.92
467
No penalty at
all
Urban
Table S5.12: Percentage of Households by Knowledge about Penalty If Premium Is Paid After Due Date (Insured)
9.66
11.77
22.86
6.82
2.00
5.71
7.64
17.71
29.34
10.40
7.17
9.44
11.50
33.42
7.47
11.43
8.60
4.29
6.85
1.43
0.00
12.86
0.24
5.51
0.00
7.14
5.12
6.17
8.32
10.59
18.95
5.00
0.00
0.32
1050
Can't say
60.41
53.55
17.33
76.15
90.15
35.04
40.81
30.83
47.50
64.75
41.74
68.13
44.26
40.68
79.85
54.50
66.62
55.68
73.68
79.23
99.32
52.00
87.91
52.14
73.33
60.00
51.58
49.33
68.32
47.81
70.99
71.71
60.67
80.49
13391
Yes
24.24
25.83
35.33
14.68
6.26
44.42
37.14
37.11
24.04
18.92
29.22
18.60
45.76
21.58
9.34
28.00
15.82
35.23
12.63
15.51
0.68
34.00
11.14
37.87
24.00
28.00
41.15
37.97
20.94
45.89
6.34
19.97
38.67
13.71
5373
4.87
7.99
16.00
2.75
0.13
6.92
13.98
10.78
2.25
5.89
20.03
2.34
1.66
4.95
1.54
2.83
4.69
1.14
2.11
1.58
0.00
2.00
0.68
3.54
2.00
2.00
1.53
5.46
3.05
0.11
1.77
5.66
0.67
5.38
1080
Can't say
124
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttara khand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharashtra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
Nonpayment
of
premia
56.68
51.55
7.50
48.44
46.75
51.91
61.73
21.35
50.08
62.73
27.81
62.46
61.46
48.20
68.93
67.71
47.49
72.22
59.09
59.06
60.53
76.25
84.18
70.99
81.25
46.25
76.66
67.86
48.57
39.45
46.88
55.45
38.75
54.20
6405
Providing
false
information
16.10
15.53
10.00
3.91
0.50
5.53
16.48
27.08
9.89
18.53
28.75
13.60
25.35
12.84
5.03
14.11
12.06
5.56
27.27
29.53
0.00
1.25
0.63
18.41
18.75
41.25
13.29
19.97
20.22
34.67
9.63
24.30
3.75
20.57
1819
Change
of
address
11.35
12.98
50.00
4.69
0.50
9.79
17.41
22.92
8.16
8.67
28.75
4.65
5.90
4.28
4.15
3.76
9.05
0.00
13.64
5.47
0.00
0.00
0.95
5.08
0.00
11.25
4.31
5.62
23.76
24.62
19.61
19.94
57.50
24.69
1283
Rural
1.09
1.68
16.25
0.00
1.25
0.43
2.19
1.30
0.94
0.62
5.31
1.09
1.04
2.48
0.38
0.00
0.75
0.00
0.00
0.16
0.00
6.25
3.48
0.07
0.00
0.00
0.18
0.00
0.42
0.50
0.89
0.00
0.00
0.18
123
Others
14.78
18.26
16.25
42.97
51.00
32.34
2.19
27.34
30.93
9.44
9.38
18.20
6.25
32.21
21.51
14.42
30.65
22.22
0.00
5.78
39.47
16.25
10.76
5.45
0.00
1.25
5.57
6.55
7.03
0.75
22.99
0.31
0.00
0.36
1670
Don't
know
Nonpayment
of
premia
59.14
52.74
24.29
30.94
48.00
51.20
65.24
32.57
42.29
67.73
31.90
63.82
72.52
41.03
62.25
63.93
57.35
88.73
91.78
60.71
68.57
82.86
78.47
69.46
81.43
88.57
69.47
66.33
58.07
53.97
53.82
41.79
72.86
70.32
6426
11.02
13.05
50.00
9.12
0.57
10.53
11.31
32.86
15.41
6.76
29.75
5.27
2.56
7.62
5.48
5.71
10.66
1.41
1.37
7.50
0.00
0.00
0.00
7.09
2.86
4.29
4.10
9.89
18.92
17.11
17.61
27.50
25.71
16.83
1197
Change
of
address
14.94
16.96
11.43
27.36
1.43
10.53
19.05
13.43
13.08
18.20
31.54
10.75
13.10
8.60
4.03
19.29
9.51
0.00
0.00
28.93
0.00
0.00
0.48
18.85
15.71
4.29
21.31
18.91
14.98
20.77
6.85
28.57
1.43
12.54
1623
Providing
false
information
Urban
0.96
1.35
2.86
0.33
4.29
0.00
2.26
1.14
0.18
0.24
4.30
1.03
0.00
2.46
1.73
0.00
0.29
0.00
5.48
0.54
0.00
0.00
0.96
0.08
0.00
0.00
0.00
0.14
0.61
0.61
0.59
1.79
0.00
0.16
104
Others
Table S5.13: Percentage of Households by Knowledge about Reasons for Loss of Insurance Coverage and Policy Lapse (Insured)
13.94
15.90
11.43
32.25
45.71
27.75
2.14
20.00
29.03
7.07
2.51
19.13
11.82
40.29
26.51
11.07
22.19
9.86
1.37
2.32
31.43
17.14
20.10
4.52
0.00
2.86
5.12
4.73
7.42
7.54
21.14
0.36
0.00
0.16
1515
Don't
know
Nonpayment
of
premia
57.88
52.12
15.33
36.09
47.33
51.58
63.37
26.70
46.44
65.06
29.72
63.13
67.22
44.77
65.82
65.94
52.08
85.39
84.21
59.83
64.38
79.33
80.93
70.23
81.33
66.00
73.30
67.06
53.40
47.47
50.19
49.08
54.67
62.74
12830
11.19
13.02
50.00
7.82
0.53
10.14
14.56
27.66
11.55
7.78
29.22
4.96
4.16
5.88
4.77
4.67
9.80
1.12
4.21
6.42
0.00
0.00
0.41
6.07
1.33
8.00
4.21
7.84
21.30
20.47
18.66
23.46
42.67
20.52
2480
Change
of
address
15.53
16.22
10.67
20.46
0.93
7.88
17.68
20.57
11.38
18.38
30.05
12.20
18.97
10.81
4.57
16.53
10.87
1.12
6.32
29.25
0.00
0.67
0.54
18.63
17.33
24.00
17.03
19.42
17.56
27.00
8.30
26.29
2.67
16.32
3443
Providing
false
information
1.03
1.52
10.00
0.23
2.67
0.23
2.22
1.23
0.59
0.44
4.84
1.06
0.50
2.47
1.01
0.00
0.54
0.00
4.21
0.33
0.00
3.33
2.04
0.07
0.00
0.00
0.10
0.07
0.51
0.56
0.75
0.83
0.00
0.17
228
Others
14.37
17.13
14.00
35.40
48.53
30.18
2.17
23.84
30.04
8.34
6.18
18.66
9.15
36.08
23.84
12.85
26.71
12.36
1.05
4.17
35.62
16.67
16.08
4.99
0.00
2.00
5.36
5.60
7.23
4.50
22.11
0.33
0.00
0.25
3185
Don't
know
125
All India
Northern Region
Chandigarh
Delhi
Haryana
Himachal Pradesh
Madhya Pradesh
Punjab
Rajasthan
Uttar Pradesh
Uttara khand
Eastern Region
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
Western Region
Daman & Diu
Goa
Gujarat
Maharas htra
Southern Region
Andhra Pradesh
Karnataka
Kerala
Pondicherry
Tamil Nadu
All Sample
State/UT
13.24
11.20
5.13
1.56
0.25
0.42
18.79
10.34
17.75
7.50
20.31
4.60
6.94
3.62
2.64
5.63
7.83
0.00
31.82
6.10
0.00
1.27
0.95
9.15
33.75
32.50
7.91
4.23
36.31
49.50
11.61
42.06
41.25
47.67
1496
Getting
new
policy
bond
Paying
unpaid
premia
with
penalty
57.89
54.26
61.54
47.66
79.80
60.50
52.61
51.46
52.14
51.81
41.88
62.82
75.35
51.58
71.41
72.50
48.74
66.67
54.55
71.99
16.88
40.51
52.05
72.10
37.50
50.00
76.08
75.74
47.78
47.74
55.00
41.12
56.25
43.19
6542
Paying
unpaid
premia
without
penalty
5.15
4.33
6.41
6.25
0.75
5.46
4.07
16.71
1.27
2.99
5.00
5.28
3.13
6.11
3.90
3.44
15.15
5.56
0.00
5.95
0.00
1.27
0.32
5.54
25.00
5.00
3.96
4.54
6.62
0.50
6.43
13.08
2.50
8.06
582
Rural
1.53
2.10
10.26
0.00
1.00
1.68
6.37
0.0
1.58
0.35
1.25
1.15
6.25
1.36
0.38
0.00
0.00
5.56
0.00
0.16
0.00
10.13
0.63
0.30
0.00
0.00
0.18
0.47
1.72
0.50
3.57
1.56
0.00
1.08
173
Others
22.18
28.11
16.67
44.53
18.20
31.93
18.16
21.49
27.26
37.36
31.56
26.15
8.33
37.33
21.66
18.44
28.28
22.22
13.64
15.81
83.12
46.84
46.06
12.92
3.75
12.50
11.87
15.02
7.56
1.76
23.39
2.18
0.00
0.00
2507
Don't
know
12.21
10.79
7.25
5.21
0.29
3.85
19.43
17.14
12.57
7.16
15.05
6.04
3.83
3.21
3.34
7.17
8.07
0.00
73.97
7.50
1.45
0.00
1.44
10.64
37.14
31.43
5.53
9.47
26.57
20.45
8.01
47.14
25.71
37.36
1327
Getting
new
policy
bond
Paying
unpaid
premia
with
penalty
60.89
59.41
57.97
62.21
81.14
57.69
60.19
42.29
56.28
59.19
56.99
63.21
77.32
43.21
60.67
72.76
65.99
87.32
23.29
83.93
33.33
42.86
50.96
71.25
35.71
45.71
79.92
71.31
53.23
47.24
66.02
32.86
74.29
54.21
6616
Paying
unpaid
premia
without
penalty
5.23
6.23
17.39
3.26
0.86
18.75
6.56
22.86
2.55
1.43
11.11
3.31
1.28
3.70
6.24
3.58
4.61
4.23
0.00
2.68
0.00
1.43
0.48
5.43
21.43
8.57
3.89
4.59
6.16
4.70
4.30
13.57
0.00
6.20
568
Urban
Table S5.14: Percentage of Households By Knowledge About Possibility of Revival of Lapsed Policy (Insured)
1.49
1.35
2.90
0.33
0.29
0.96
2.86
2.29
0.18
0.72
3.23
1.94
3.83
2.72
2.61
1.08
0.86
0.00
1.37
0.89
0.00
11.43
0.72
0.08
0.00
0.00
0.00
0.14
1.97
0.82
2.54
3.57
0.00
1.91
162
Others
20.18
22.22
14.49
28.99
17.43
18.75
10.97
15.43
28.42
31.50
13.62
25.50
13.74
47.16
27.14
15.41
20.46
8.45
1.37
5.00
65.22
44.29
46.41
12.60
5.71
14.29
10.66
14.49
12.07
26.79
19.14
2.86
0.00
0.32
2193
Don't
know
12.74
11.00
6.12
4.14
0.27
2.02
19.09
13.62
15.34
7.34
17.86
5.31
5.32
3.42
2.97
6.34
7.94
0.00
64.21
6.76
0.68
0.67
1.22
9.89
35.33
32.00
6.80
6.96
31.36
33.48
9.89
44.43
34.00
42.21
2824
Getting
new
policy
bond
Paying
unpaid
premia
without
penalty
5.19
5.24
11.56
4.14
0.80
11.66
5.23
19.67
1.86
2.26
7.85
4.31
2.16
4.96
4.99
3.51
10.23
4.49
0.00
4.42
0.00
1.34
0.41
5.49
23.33
6.67
3.93
4.57
6.39
2.82
5.41
13.31
1.33
7.08
1150
Others
21.20
25.29
15.65
33.56
17.84
25.78
14.80
18.57
27.80
34.63
23.21
25.83
11.15
42.03
24.21
17.03
24.63
11.24
4.21
10.76
74.66
45.64
46.26
12.76
4.67
13.33
11.30
14.75
9.85
15.56
21.36
2.50
0.00
0.17
4699
Don't
know
126
All India
North
Region
Chandigarh
Delhi
Haryana
Himachal
Pradesh
Madhya
Pradesh
Punjab
Rajasthan
Uttar
Pradesh
Uttarakhand
East Region
Arunachal
Pradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
West Bengal
West Region
Daman &
Diu
Goa
Gujarat
Maharashtra
South
Region
Andhra
Pradesh
State/UT
Urban
All (Rural + Urban)
16.81
38.85
58.33
33.13
34.54
47.80
50.44
57.50
40.65
31.58
31.82
56.72
17.50
52.50
31.25
55.33
31.25
34.87
37.60
59.64
24.84
39.32
23.75
30.43
22.26
30.40
41.55
27.19
43.14
0.00
72.73
30.78
0.00
15.00
7.19
42.40
25.00
15.00
46.07
44.77
36.51
43.22
22.69
19.06
49.74
14.69
10.33
30.63
17.33
33.90
17.84
10.64
14.06
4.74
42.11
59.09
36.41
0.00
6.25
1.88
22.19
12.50
42.50
18.21
24.34
48.07
23.12
64.57
37.14
13.75
58.39
60.84
64.04
36.56
49.20
7.50
12.50
39.15
63.75
21.09
23.44
35.77
37.12
21.25
33.59
42.39
20.49
5.10 10.73
3.91 8.33
2.03 5.16
54.20
32.60
39.06
42.03
25.68 3.08
9.47
3.25
0.31
3.24
10.53
4.55
0.00
41.25
40.00
26.88
0.81
0.00 22.50
0.00 25.00
0.54 7.14
1.25 5.93
1.61
0.50 0.25
29.69
47.48
59.25
30.62
38.17
58.75
42.89
21.05
90.91
65.78
41.25
37.50
44.38
47.98
47.50
52.50
42.50
52.26
28.91
59.55
3.18
8.37
3.50
10.31
0.50
21.05
0.00
0.16
5.00
32.50
6.25
8.52
1.46 10.68
10.31 3.13
9.10 4.81
37.03
7.56
4.20
5.00
36.72
14.21
9.71
3.66
17.50 2.50
0.00 34.38
3.24 12.47
34.79
0.00
5.26
0.00
0.89
1.25
0.00
17.40
7.51
1.25
6.48
26.32
0.00
0.78
0.00
2.50
2.19
0.96
3.77
0.63
5.81
1.18
3.91
5.47
0.10
4.20
1.25
6.25
24.69
4.09
35.43
60.29
30.54
42.43
24.37
23.91
19.17
15.71
13.56
45.71
15.18
6.66
26.52
16.12
33.55
27.14
10.00
47.35
46.21
31.67
14.46
14.29
10.00
23.67
31.76
47.45
32.79
42.03
23.50
23.93
27.71
0.00
60.27
29.64
1.43
2.86
4.52
43.72
15.71
71.43
23.70
35.14
20.77
3.28
15.71
6.00
26.03
46.58
35.71
0.00
2.86
0.48
26.71
36.98
40.00
24.03
41.71
18.82
41.75
35.80
24.29
57.35
63.52
34.29
66.67
29.49
61.07
48.57
53.42
73.97
64.46
12.86
48.57
22.62
57.64
61.98
37.63
48.42
40.29
58.57
29.11
50.30
16.19
27.14
12.34
38.86
38.57
4.16
5.71
0.89
0.95
9.68 2.87
11.61 3.40
28.75 2.88
39.48
35.43
46.07
46.95
40.50
53.50
40.89
0.00 15.71
0.00 28.57
0.20 6.53
0.72 2.15
1.66
4.28
55.71
44.29
50.82
56.65
30.31
70.47
1.22
3.28
12.32
6.55
2.14
1.43
8.22
1.37
0.00
48.57
35.71
29.05
0.45
40.10
51.14
57.86
56.57
49.32
65.75
65.54
40.00
54.29
59.29
53.80
2.90
2.28
8.21
0.86
17.81
0.00
0.18
5.71
30.00
2.62
5.87
7.45
2.86
6.79
9.16
2.86 22.38
59.05
9.67
3.43
2.86 0.00
5.52 31.17
6.00 11.14
40.84
20.00
34.74
18.00
0.41
4.29
0.00
0.41
0.00
0.00
15.70
9.40
1.43
1.14
15.07
0.00
0.18
0.00
2.86
0.95
0.15
13.10
1.79
5.95
0.63
2.86
4.46
0.36
4.29
7.14
4.55
20.00
3.52
34.05
47.76
27.33
12.67
46.67
45.52
28.46
26.00
13.33
27.33
20.76
28.21
40.77
24.04
27.22
8.62
28.71
16.74
35.94
33.11
25.67
35.95
0.00
63.16
30.25
0.67
9.33
5.68
43.05
59.95
27.50
19.24
7.20
14.83
5.33
29.35
49.47
36.08
0.00
4.67
1.08
24.42
36.59
16.49
47.82
14.92
20.66
25.89
19.42
33.72
37.06
30.00
26.83
42.08
19.69
67.33
22.94
28.89
51.97
36.46
18.67
57.90
62.24
32.67
56.80
40.64
59.17
44.34
48.91
64.21
60.33
15.33
50.67
26.35
56.47
62.98
37.06
48.82
37.22
58.45
31.25
44.20
16.52
16.67
12.39
39.01
37.11
3.57 14.51
4.66
4.77
1.50
1.22
10.02 3.01
10.34 4.12
56.47
35.81
37.33
43.92
41.66
34.72
50.44
10.83
4.80
1.17
2.40
8.70
2.11
0.00
44.67
38.00
28.11
0.63
35.14
44.24
58.33
49.27
43.48
71.58
65.67
40.67
45.33
52.84
50.86
65.58
1.64
29.62
2.59 0.79
3.23
0.00 19.33
0.00 26.67
0.38 6.86
0.97 3.96
51.33
48.67
46.38
54.55
5.76
2.93
9.33
0.67
18.48
0.00
0.17
5.33
31.33
4.19
7.21
27.27 2.98
49.75
9.17
5.72
5.92
9.99
3.55 9.69
10.67 1.33
3.90 32.11
4.53 11.85
37.69
12.00
35.32
15.98
0.22
4.77
0.00
0.67
0.60
0.00
16.59
8.39
1.33
3.99
17.39
0.00
0.50
0.00
2.67
1.49
0.56
8.60
1.17
5.88
0.92
3.41
5.00
0.22
4.24
4.00
5.05
22.50
3.82
Change Receipt
Change Receipt
Change Receipt
Any
Not
Claim
Premium
Any
Not
Claim
Premium
Any
Not
Claim
Premium
None
None
None
of
of
of
of
of
of
applicable
related settlement other
applicable
related settlement other
applicable
related settlement other
address policy
address policy
address policy
41.75
4.93 6.55
24.31
4.22
34.26
44.38
42.91
5.25 6.12
24.19
3.99
32.84
39.23
43.41
4.62 6.97
24.42 35.63
4.43
42.43
Rural
Table S5.15: Percentage of Households by Views on Possible Cause for Dispute/Differences with Insurance (Insured)
127
State/UT
Rural
Don't
know
6.13
5.83
6.33
7.81
2.74
12.71
8.56
9.66
3.29
4.58
1.57
8.27
1.04
10.25
7.86
22.19
10.18
35.29
0.00
2.50
20.25
3.75
5.66
2.58
0.00
5.00
2.70
2.50
5.59
0.50
17.53
0.62
0.00
0.90
693
Other
1.07
0.70
15.19
0.00
0.00
2.12
0.31
0.52
0.16
0.21
1.88
0.41
1.04
0.68
0.13
0.31
0.25
0.00
0.00
0.16
0.00
0.0
1.26
0.15
0.00
0.00
0.18
0.16
3.76
0.25
7.87
4.98
0.00
1.98
121
Urban
1.80
0.33
0.00
0.65
0.00
0.00
0.12
2.01
0.36
0.08
0.36
3.86
1.28
0.99
14.62
0.71
2.59
0.00
0.00
0.54
0.00
4.35
0.48
0.15
0.00
0.00
0.21
0.14
2.62
1.63
4.88
0.00
1.43
2.86
196
Other
Table S5.16: Percentage of Households by Knowledge about What Needs to be Done in Case of Any Disagreement (Insured)
5.70
4.86
14.29
7.47
4.00
17.33
5.48
6.88
2.15
3.09
0.72
8.55
10.54
13.40
14.77
17.14
2.88
5.63
1.39
1.43
14.29
2.90
2.39
0.98
0.00
0.00
2.05
0.43
5.90
8.15
14.45
0.00
0.00
0.48
619
Don't
know
1.43
0.52
8.05
0.46
0.00
1.14
0.22
1.23
0.25
0.15
1.17
2.11
1.16
0.83
6.86
0.50
1.35
0.00
0.00
0.33
0.00
2.01
0.81
0.15
0.00
0.00
0.19
0.15
3.18
1.01
6.44
2.66
0.67
2.45
317
Other
5.92
5.36
10.07
7.57
3.33
14.84
7.12
8.33
2.76
3.89
1.17
8.41
5.98
11.76
11.07
19.83
6.76
11.36
1.06
2.00
17.45
3.36
3.80
1.79
0.00
2.67
2.40
1.42
5.75
4.72
16.06
0.33
0.00
0.68
1312
Don't
know
Study Team