Insurance Awareness

Pre-launch Survey Report of
Insurance Awareness Campaign
SPONSORED BY
Insurance Regulatory and Development Authority
National Council of Applied Economic Research, 2011
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
Core Research Team
Rajesh Jaiswal
Barun Deb Pal
Kalicharan Shukla
Consultant
Ramamani Sundar
Geetha Natesh
Technical Support
Sadhana Singh
Contents
List of Tables
List of Annexure Tables
Foreword
ix
xi
xv
Preface
Acknowledgements
Chapter 1: Background
xvii
xix
1
1.1 Concept of Insurance
1.2 Importance of Insurance
1.3 Origin of Insurance
1.4 Origin and Development of Insurance in India
1.5 Important Developments in the History of Indian Insurance Business
1.6 Insurance Scenario in India and Other Countries
1.7 Insurance Penetration and Density in India
1.8 Why Awareness is Important
Chapter 2: Methodology
2.1 Coverage
2.2 Sample Design
2.3 Selection of the Rural Sample
2.4 Selection of the Urban Sample
10
Chapter 3: Socio-Economic Characteristics of Insured and Uninsured Households
13
3.1 Occupation and Education
13
3.2 Type of Dwelling Unit and Family
14
3.3 Type of Ration Card
16
3.4 Economic Status of the Households
17
3.5 Major Sources of Information
18
3.6 Types of Insurance Held
18
3.7 Details of Different Kinds of Policies Life, General and Health

held by Members of Households
19
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN vii
3.8 Opinion of Uninsured Households on Possible Economic Risks

3.9 Conclusion
23
23
Chapter 4: Perception of Households about Insurance as a Concept and its Benefits 25

4.2 Major Source of Information on Insurance
25
26
4.3 Relevance of Insurance
27
4.4 What Kind of Tool is Insurance?
30
4.5 Losses that an Insurance Policy could Compensate
30
4.6 Benefits of Insurance vis--vis Other Savings
31
4.7 Benefits of Life Insurance
32
4.8 Benefits of Health Insurance
33
4.9 Decision to Take Insurance
34
4.10 Reasons for Not Taking Insurance
34
4.11 Perception on Financial Risks that Households could Face

4.12 Linking Insurance with Credit
35
35
4.13 Conclusion
36
Chapter 5: Awareness Level of Insured Households about Various Aspects

of Insurance
5.1 Awareness of Life and Health Insurance Policies
37
37
5.2 Provision of Nomination Facility
37
5.3 Views on Mandatory Paper Work
37
5.4 Knowledge about Rights and Duties
38
5.5. Knowledge about Changing Mode of Premium and Cancellation of Policy
39
5.6 Knowledge Regarding Settlement of Claims
41
5.7 Households' Knowledge about Value of Policy if Surrendered Before Maturity,
viii
Penalty for Non-payment of Premium, and Lapse of Policy

5.8 Awareness about Grievance and Dispute Resolution
42
43
5.9 Conclusion
44
Chapter 6: Conclusion
45
6.1 Socio-economic Profile of the Insured and Uninsured Households
46
6.2 Insurance Awareness of Insured and Uninsured Households

6.3 Policy Recommendations
47
48
Annexture: State Tables
53
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN
List of Tables
1.1
2.1
Important Developments in the History of the Indian Insurance Industry

Stratification of Households in Rural Areas
4
10
2.2
Sampling Fraction for City and Town Group
11
2.3
Stratification of Households in Urban Areas
11
3.1
Distribution of Households by Main Occupation and Level of Education
13
3.2
Distribution of Households by Ownership of Land, Dwelling Unit,

Type of Dwelling Unit, Type of Family and Availability of Electricity Connection
3.3Distribution of Households by Type of Ration Card
3.4
15
16
3.5
Distribution of Households by Economic Status: Income,

Expenditure and Savings
Distribution of Households by Major Sources of Information
17
18
3.6
Distribution of Households by Type of Insurance Taken
18
3.7a Distribution of Household Members with Insurance by

Annual Per Capita Household Income Categories (Rural)
3.7b I Distribution of Household Members with Insurance by
20
Annual Per Capita Household Income Categories (Urban)

3.7c Distribution of Household Members with Insurance by
20
3.8
Annual Per Capita Household Income Categories (Rural + Urban)

Proportion of Policy Holders by Gender
20
21
3.9
Average Annual Premium and Average Policy Value by Income Class
22
3.10a Average Annual Premium as a Percentage of Annual Household

Income (Rural)
3.10b Average Annual Premium as a Percentage of Annual Household
22
Income (urban)
3.10c Average Annual Premium as a Percentage of Annual
22
Household Income (Total)
23
3.11 Income-wise Distribution of Uninsured Households Based on Amount

They Could Contribute for Possible Economic Risks
4.1a Distribution of Households Based on Their Concept of Insurance
23
25
4.1b Distribution of Households by Level of Education and Their Perception of Insurance 26

4.2
Distribution of Households by Their Major Source of Information on Insurance
27
4.3
Relevance of Insurance to Households and Reasons
28
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN ix
4.4a Distribution of Households by Their Perception about the Class to

Which Insurance is Relevant
4.4b Perception of Households on Class to Which Insurance is Relevant by
4.5
Annual Household Income Categories

Distribution of Households by Their Perception of Insurance as a Tool
4.6
Distribution of Households by Their Perception of the Extent to

31
4.7
Which Insurance Can Replace Losses

Distribution of Households by Their Perception of Benefits of Insurance
vis--vis other Avenues of Savings
Distribution of Households Based on Awareness and Views about
32
4.8
Benefits of Life Insurance Policies

Distribution of Households Based on Their Awareness and Views about
32
4.9
29
30
Benefits of Health Insurance

4.10 Distribution of Insured Households by Factors Influencing Their
33
Decision to Take Insurance

4.11 Distribution of Uninsured Households by Reasons for No Member
34
Being Insured
4.12 Perception of Uninsured Households by Type of Financial Risks
34
They Could Face

4.13 Distribution of Uninsured Households by Their Views on Linking
35
Insurance with Credit

Distribution of Insured Households by the Opinion about
36
5.1
38
5.2
Mandatory Paper Work

Distribution of Households by Knowledge about Rights and Duties as
Policy Holders by Level of Education of the Households
Distribution of Households on the Basis of Their Knowledge about
39
5.3
Policy by Level of Education

Distribution of Households on the Basis of Their Knowledge about
40
5.4
Settlement of Claims by Level of Education
41
5.5
Distribution of Households on the Basis of Knowledge about Amount to be

Received if Surrendered Before Maturity, Penalty If Premium not Paid, and
Lapse of Policy
5.6Distribution of Households on the Basis of Knowledge about Grievance and
Dispute Resolution by Level of Education
29
43
44
List of Annexure Tables
S3.1a Distribution of Households by Their Level of Occupation (Insured)

S3.1b Distribution of Households by Their Level of Occupation (Uninsured)
55
56
S3.1c Distribution of Households by Their Level of Occupation (Insured + Uninsured)
57
S3.1d Distribution of Households by Their Highest Level of Education (Rural)
58
S3.1e Distribution of Households by Their Highest Level of Education (Urban)
59
S3.1f
60
Distribution of Households by Their Highest Level of Education (Rural + Urban)
S3.2a Distribution of Households by Type of Dwelling Unit and Availability of

Electricity Connection (Rural)
S3.2b Distribution of Households by Type of Dwelling Unit and Availability of
61
Electricity Connection (Urban)

S3.2c Distribution of Households by Type of Dwelling Unit and Availability of
62
Electricity Connection (Rural+Urban)

S3.3a Distribution of Households by Ration Card (Insured)
63
64
S3.3b Distribution of Households by Ration Card (Uninsured)
65
S3.3c Distribution of Households by Ration Card (Insured + Uninsured)
66
S3.4a Distribution of Households by Major Source of Information to Households (Insured) 67

S3.4b Distribution of Households by Major Source of Information to Households (Insured) 68
S3.4c Distribution of Households by Major Source of Information to Households
(Uninsured)
S3.4d Distribution of Households by Major Source of Information to Households
69
(Uninsured)
S3.4e Distribution of Households by Major Source of Information to Households
70
(Insured + Uninsured)
Distribution of Households by Major Source of Information to Households
71
S3.4f
(Insured + Uninsured)
S3.5a Distribution of Households by Type of Insurance Taken (Insured)
72
73
S3.5b Distribution of Households by Type of Insurance Taken (Insured)
74
S3.5c Distribution of Households by Type of Insurance Taken (Uninsured)
75
S3.5d Distribution of Households by Type of Insurance Taken (Uninsured)
76
S4.1a Distribution of Households Based on Their Perception about Insurance (Rural)
77
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN xi
S4.1b Distribution of Households Based on Their Perception about Insurance (Urban)

S4.1c Distribution of Households Based on Their Perception about
78
Insurance (Rural+Urban)
S4.2a Distribution of Households by Their Major Source of Information on
79
Insurance (Rural)
S4.2b Distribution of Households by Their Major Source of Information on
80
Insurance (Urban)
S4.2c Distribution of Households by Their Major Source of Information on
81
Insurance (Rural + Urban)

S4.3a Distribution of Households Reporting Relevance of Insurance by Reasons
82
(Insured)
S4.3b Distribution of Households Reporting Relevance of Insurance by
83
Reasons (Uninsured)
S4.3c Distribution of Households Reporting Relevance of Insurance by Reasons
84
(Uninsured: Rural + Insured)

85
S4.3d Distribution of Households Reporting Non-relevance of Insurance by Reasons
(Uninsured)
S4.4a Distribution of Households Based on Their Perception about the Class to
86
Which Insurance Is Relevant (Rural)

S4.4b Distribution of Households Based on Their Perception about the
87
Class to Which Insurance Is Relevant (Urban)

S4.4c Distribution of Households Based on Their Perception about the Class to
88
Which Insurance Is Relevant (Rural+Urban)

S4.5a Distribution of Households Based on Their Perception about Insurance
89
as a Tool (Rural)
S4.5b Distribution of Households Based on Their Perception about Insurance
90
as a Tool (Urban)
S4.5c Distribution of Households Based on Their Perception about Insurance
91
as a Tool (Rural + Urban)

S4.6a Distribution of Households Based on Their Perception about the Extent to
92
Which Insurance Can Replace Physical Losses (Rural)

S4.6b Distribution of Households Based on Their Perception about the Extent to
93
Which Insurance Can Replace Physical Losses (Urban)

S4.6c Distribution of Households Based on Their Perception about the Extent to
94
Which Insurance Can Replace Physical Losses (Rural + Urban)

S4.6d Distribution of Households Based on Their Perception about the Extent to
95
Which Insurance Can Replace Financial Losses (Rural)

S4.6e Distribution of Households Based on Their Perception about the Extent to
96
Which Insurance Can Replace Financial Losses (Urban)

Distribution of Households Based on Their Perception about the Extent to
97
Which Insurance Can Replace Financial Losses (Rural + Urban)
98
S4.6f
xii
S4.7a Distribution of Households by Their Perception about Benefits of

Insurance vis--vis Other Avenues of Savings (Rural)
S4.7b Distribution of Households by Their Perception about Benefits of
Insurance vis--vis Other Avenues of Savings (Urban)
S4.7c Distribution of Households by Their Perception about Benefits of
99
100
101
S4.8
Insurance vis--vis Other Avenues of Savings (Rural + Urban)

Distribution of Households by Their Awareness and Views of Benefits of
Life Insurance Policies (Rural + Urban)
Distribution of Households by Their Awareness and Views of Benefits of
102
S4.9
Health Insurance Policies (Insured)

S4.10 Distribution of Households by Factors Influencing Their Decision to
103
Take Insurance
S4.11a Distribution of Uninsured Households by Reasons For No Households
104
Member Insured (Rural)

S4.11b Distribution of Uninsured Households by Reasons for No Household
105
Member Insured (Urban)

S4.11c Distribution of Uninsured by Reasons for No Household Member
106
Insured (Rural + Urban)

S4.12 Distribution of Uninsured Households by Type of Financial Risk They
107
Could Face
S4.13 Distribution of Uninsured Households by Views on Linking of
108
Insurance with Credit

S4.13a Distribution of Uninsured Households by Views on Whether Insurance
109
Would Help Unexpected Eventuality

Percentage Distribution of Insured Households by Awareness about
110
S5.1
Provision of Nomination Facility

Distribution of Insured Households by Perception about Mandatory
111
5.2a
112
5.2b
Paper Work at the Time of Taking Policy

Distribution of Insured Households by Perception about Mandatory
113
S5.3
Paper Work at the Time of Claim Settlement

Distribution of Households by Awareness about Rights as Policy Holder
(Insured)
Distribution of Households by Awareness about Duties as a
114
S5.4
Policy Holder (Insured)

Percentage of Households by "What Households Would Do If They
115
S5.5
116
S5.6
Are Not Satisfied With the Mode of Premium" (Insured)

Percentage of Households by Knowledge about "When a Policy Can
117
S5.7
Be Cancelled" (Insured)
Percentage of Households by Knowledge about "What Are the
Various Assignments in the Policy" (Insured)
Percentage of Households by Knowledge About "When Claims of
118
S5.8
Insurance Get Settled" (Insured)
119
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN xiii
S5.9
Percentage of Households by Knowledge about Procedures Involved In

Insurance Settlement (Insured)
S5.10 Percentage of Households by Knowledge about Time Taken for
Settlement of Claims (Insured)
S5.11 Percentage of Households by Knowledge about Amount of the Face
121
Value to Receive If Policy Is Surrendered Before Maturity (Insured)

S5.12 Percentage of Households by Knowledge about Penalty If Premium Is
122
Paid After Due Date (Insured)

S5.13 Percentage of Households by Knowledge about Reasons for Loss of
123
Insurance Coverage and Policy Lapse (Insured)

S5.14 Percentage of Households By Knowledge About Possibility of Revival of
124
Lapsed Policy (Insured)

S5.15 Percentage of Households by Views on Possible Cause for
125
Dispute/Differences with Insurance (Insured)

S5.16 Percentage of Households by Knowledge about What Needs to be
126
Done in Case of Any Disagreement (Insured)
xiv
120
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.
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN xix
Background
Insurance occupies an important place in

the complex modern world since risk, which can
be insured, has increased enormously in every
walk of life. This has led to growth in the
insurance business and evolution of various
types of insurance covers. The insurance sector
acts as a mobiliser of savings and a financial
intermediary and is also a promoter of
investment activities. It can play a significant
role in the economic development of a country,
while economic development itself can facilitate
the growth of the insurance sector.
This chapter provides an overview of the
unexpected event. The transaction involves

the insured assuming a guaranteed and
known, relatively small, loss in the form of
payment to the insurer in exchange for the
insurer's promise to compensate or indemnify
the insured in the case of a large, possibly
devastating, loss. The insured receives a
contract called an insurance policy which
details the conditions and circumstances
under which the insured will be compensated.
Insurance can be classified broadly into:
(a) life insurance, and (b) general or non-life
insurance.
insurance sector in India, its origin and growth.

It begins by defining insurance as a concept,
followed by a discussion on the importance of
insurance for individuals, households, and the
economy. The penetration of the insurance
business and insurance density in India are
compared with those in other countries. The
need to create and enhance the level of
awareness about different aspects of insurance is
also discussed.

Insurance is a form of risk management
which is used primarily to hedge against the risk
of a contingent, uncertain loss. Insurance is
defined as the equitable transfer of the risk of
loss, from one entity to another, in exchange for
payment.
Insurance
is
essentially
an
arrangement where the losses experienced by a
few are extended among many who are exposed
to similar risks. It is a protection against
financial loss that may occur due to an
(a) Life insurance or life assurance is a

contract between the policy owner and
the insurer, where the insurer agrees to
pay the designated beneficiary a sum of
money upon the occurrence of the insured
individuals death or other event, such as
terminal or critical illness. In return, the
policy owner agrees to pay a stipulated
amount at regular intervals or in lump
sums. Life-based contracts tend to fall
into two major categories:
Protection policies: designed to
provide a benefit in case of a
specified event, typically against
lump sum payment. A common form
of this policy is term insurance.
Investment policies: the main
objective is to facilitate the growth of
capital by single or regular
premiums. The common forms in this
category include whole life, universal
life and variable life policies.
(b) General insurance or non-life insurance

policies, including automobile and
homeowners policies, provide payments
depending on the loss from a particular
financial event. General insurance
typically comprises any insurance cover
that is not deemed to be life insurance.
Some categories of general insurance
policies are: vehicle, home, health, property,
accident, sickness and unemployment,
casualty, liability, and credit. The terms of
insurance generally depend on the company
providing the cover.
1.2 Importance of Insurance

Life insurance is generally considered a
means of protecting ones family against the
unforeseeable circumstance of the death of an
earning member. However, there are a
number of other benefits that are not
apparent. Some benefits accrue to the
individuals and their families, while others
assist economic development. For instance,
an insurance company takes the risk of large
and uncertain losses in exchange for small
premiums. This gives a sense of confidence
and security to the insured individual through
the protection of insurance in the event of an
unfortunate incident. In large sized
commercial and industrial organizations, it
facilitates operations as many of the risks are
transferred to the insurer.
Insurance, particularly life insurance, is
one of the ways of providing for the future. A
life insurance policy which gives an annuity is a
combination of protection and investment. It
increases the creditworthiness of the assured
person because it can provide funds for
repayment in the event of death. It also reduces
losses owing to theft, robbery, fire accidents,
etc. In addition, it serves as a solution to social
problems. For instance, while compensation is
available to victims of industrial injuries and
road accidents, financial difficulties on account
of old age, disability or death is minimised.
Investment of accumulated resources by

the insurer facilitates the overall development
of the country. Capital is usually risk averse,
but if insurers provide protection against
risks, then several investors would come
forward to invest their funds.
In many developed countries, citizens are
to a certain extent protected by social security
schemes provided by the government. These
schemes offer financial aid to citizens who are
eligible on grounds of unemployment, old
age, sickness, disability, etc. The social
security scenario in India is quite different,
having traditionally been the responsibility of
the family or community. However, with
industrialization, urbanization, breakup of the
joint family system and weakening of family
bondage, it has become necessary to provide
social security arrangements that are
institutionalized and regulated by the state
rather than the society.
Issues relating to social security are listed in
the directive principles of state policy. While
social security and insurance, employment and
unemployment form Item 23 of the concurrent
list, the welfare of labour including conditions
of work, provident fund, employees liability,
workmens compensation, invalidity and old age
pension and maternity benefits form Item 24,
also of the concurrent list. During the initial
years of development planning, it was believed
that with the process of development, a greater
number of workers would join the organised
sector and eventually get covered by formal
social security arrangements. However, the
actual experience has proved otherwise. There is
now almost a stagnation of employment in the
organised sector with increase in the inflow of
workers into the informal sector. The
unorganised workforce is characterised by
scattered and fragmented areas of employment,
seasonality, lack of job security and low
legislative protection. Currently, out of an
estimated workforce of nearly 400 million, only
less than 10 per cent have the benefits of formal
social security protection. Although the

government has a few centrally funded social
assistance programmes like National Old Age
Schemes and National Family Benefit Schemes,
the number of people covered as well as the
benefits is very meagre. Furthermore, in a
country like India, where there is no provision
for unemployment benefits, the concept of
insurance becomes extremely important.
1.3 Origin of Insurance

Maritime insurance is the oldest form of
insurance and is followed by life insurance and
fire insurance. Insurance was prevalent in
ancient Greece and among the maritime peoples
with whom the Greeks traded. It developed first
as a means of spreading the huge risks involved
in early maritime enterprises, evolving much
later during the fourteenth century in the
commercial cities of Italy. This practice of
marine insurance gradually spread to London
during the sixteenth century. The history of
marine insurance is closely associated with the
origin and rise of Lloyds group of ship-owners.
Today, Lloyds is considered the largest
underwriter in the world. In the USA, the first
insurance company was established by
Benjamin Franklin in 1752. Since the midnineteenth century, insurance has developed
significantly to cover other kinds of risks.
1.4 Origin and Development of

Insurance in India
In India, the history of life insurance can be
traced to 1818 when Anita Bhavsar started the
Oriental Life Insurance Company in Kolkata.
This organisation was basically founded to serve
European clients and hence Indians who opted
for an insurance cover were charged a much
higher premium. The reason given was that
Indians had a lower life expectancy on account
of their lifestyle, while in fact this was a planned
effort to keep Indians out of any kind of
progress. The company failed in 1834. Then, in
1870 the British Insurance Act was passed
and the last three decades of nineteenth century

saw the emergence of the Bombay Mutual Life
Assurance Society (1871), which became the
first organisation to charge the same premium
from all residents of India irrespective of their
origin or nationality. The Oriental (1874) and
Empire of India (1897) insurance companies
began their activities in the Bombay Residency
in the late nineteenth century. This period,
however, was dominated by foreign insurance
offices such as Albert Life Assurance, Royal
Insurance, and Liverpool and London Globe
Insurance, which did good business in India.
The history of general insurance can be

traced to the Industrial Revolution in the West
and the consequent growth of sea-faring trade
and commerce. A legacy of British rule,
General Insurance in India has its roots in the
establishment of Triton Insurance Company
Ltd in 1850 in Calcutta. Its first Indian
counterpart, the Indian Mercantile Insurance
Ltd, which launched its operation in Bombay
in 1907, was the first company of its type to
transact all general insurance business.
1.5 Important Developments in the

History of Indian Insurance Business
Before deregulation in 1999, the insurance
industry in India consisted of only two state
insurers, namely Life Insurance Corporation of
India (LIC) for life insurance, and General
Insurance Corporation of India (GIC) with its four
subsidiaries for general insurance. According to
the Insurance Regulatory and Development
Authority (IRDA), the insurance industry in India
at present consists of 24 general insurance
companies including specialised insurers such as
Export Credit Guarantee Corporation of India and
the Agricultural Insurance Corporation of India,
and 23 life insurance companies. Of the 22
insurers who set up operations in life insurance
after the industry was opened up for the private
sector, 20 are joint ventures with foreign
companies. Similarly, of the 17 non-life insurers,
including health
PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN 3
insurers operating in the private sector, 16 are

in collaboration with foreign partners. Thus,
36 insurance companies in the private sector
are operating in collaboration with wellestablished foreign companies.
Prior to the opening up of insurance for the
were introduced and these included products

liability, corporate cover, professional
indemnity policies, weather insurance, credit
insurance and travel insurance.
Table 1.1 shows important developments
in the history of the Indian insurance industry.
TABLE 1.1: Important Developments in the History of the Indian Insurance Industry
Year
Description of New Developments and Important Events
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.
private sector, non-life products were limited

and were classified on the basis of their being
regulated by tariffs or otherwise. Those such as
fire insurance, motor vehicle insurance, e n g i n
e e r i n g i n s u r a n c e a n d w o r k e r s
compensation came under tariff regulation while
others such as burglary insurance, mediclaim,
and personal accident insurance did not. In
addition, most specialised insurance products,
such as race horse insurance, did not fall under
tariff regulation. After the opening up of the
sector to private players, new products
1.6 Insurance Scenario in India and

Other Countries
For 2009, which is the latest year for
which data are available, some pointers are:
(i) the share of the Indian life insurance sector
in the global market was 2.45 per cent;
(ii) the share of Indian non-life insurance

premium in the global non-life premium
was as low as 0.46 per cent;
(iii) in life insurance business India ranked
ninth among 156 countries; and
(iv) in non-life insurance business India ranked
26th among the same countries.

There are other pointers as well (IRDA,
2009 - 10), namely:
(i) the Indian life insurance industry
recorded a premium income of Rs
2,65,450 crore in 200910 as against Rs
2,21,785 crore in the previous year;
(ii) in the life insurance sector, the share of
the private sector in total premium
income was approximately 30 per cent in
both 200809 and 200910;
(iii) while LIC, which represents the public
sector, registered a growth of 19.69 per
cent in 200910 over 200809, the
growth of the private sector was higher at
23.06 per cent during this period;
(iv) the gross direct premium income of the
non-life insurance sector in India was Rs
30,351.83 crore in 200809 and Rs
34,620.45 core in 200910; and
(v) in the non-life insurance industry, the share
of the public sector in gross direct premium
income was approximately 59 per cent in
both 200809 and 200910. Moreover,
while the public sector registered a growth
of 14.49 per cent in 200910, the growth in
private sector gross direct premium income
was lower at 13.44
per cent.
A recent study by McKinsey & Company
indicates that consumers have an unmet need for
long-term savings products and a preference for
insurance vis--vis other investment products.
Consumers rank insurance higher than other
investment options because of the ease and
convenience in investing, and in obtaining tax
benefits and protection cover. Indian consumers
perceive life insurance as a low-risk and highreturn investment, this being a perception driven
by the awareness of LICs performance and its
record of delivering stable returns over the
years. According to the study, Indias insurance
market has grown over the past six years.
Liberalisation of the sector has enabled the entry
of a number of new players who have
contributed to the growth,
(over 40 per cent per annum), by enhancing

product awareness and promoting consumer
education and information. However, the
market is still in a nascent stage.
1.7 Insurance Penetration and Density
in India
Two important indicators of the level of
development of the insurance sector in any
country are:
(i) level of insurance penetration which is
measured as the percentage of insurance
premium in gross domestic product
(GDP); and
(ii) insurance density ratio (wherein insurance
density is defined as the per capita
expenditure on insurance premium and is
directly correlated with per capita GDP).
Both insurance penetration and density
have increased significantly over the years,
especially with the opening up of the insurance
industry to the private sector. However, the
increase has been marginal as far as the non-life
insurance sector is concerned. While the density
of life insurance in India grew from US$ 9.1 in
2001 to US$ 47.7 in 2009, the density in the
non-life insurance industry for the same period
grew from US$ 2.4 to US$ 6.7. Similarly,
penetration in the life insurance sector increased
from 2.15 per cent in 2001 to 4.60 per cent in
2009 and very marginally in the non-life
insurance sector from 0.56 per cent in 2001 to
0.60 per cent in 2009. Thus, penetration in the
non-life insurance sector has remained virtually
constant over the years.
Indias insurance penetration is lower
than the world average which in 2009 was 7.0
per cent, while for India it was 5.2 per cent.
Although, the penetration of Indian insurance
is higher than that of some South Asian
countries like Pakistan (0.7%), Bangladesh
(0.9%) and Sri Lanka (1.4%), it lags behind
other Asian countries like Japan (9.9%),
South Korea (10.4%) and Singapore (6.8%).
However, in the life insurance sector, Indias
performance in terms of percentage of
penetration at 4.6 per cent is comparable with

some developed countries and is above the
world average of 4.0 per cent. In the non-life
insurance sector, India with 0.6 per cent lags
behind the world penetration average of 3.0
per cent. (Source: Swiss Re as given in
IRDA, 200910).
Several factors are responsible for the low
levels of insurance penetration in the country.
These include low consumer preference,
untapped rural markets and constrained
distribution channels. In urban areas, life
insurance penetration in the market is
approximately 65 per cent, and is considerably
lesser in the low-income unbanked segment. In
rural areas, life insurance penetration in the
banked segment is estimated to be
approximately 40 per cent, and at best is
marginal in the unbanked segment. Before
opening the sector to private insurers, it was felt
that low levels of insurance penetration were
due to ineffective market strategies adopted by
LIC. Being a monopoly, the company had no
strategic market plan. Advertising initiatives
were limited to the print and electronic media,
which mainly promoted LICs products as being
tax saving tools for salaried individuals.
Although the level of penetration has increased
after the entry of other players, it is still low
compared to other countries.
According to consumer feedback, the
problem has been exacerbated due to:
agents inability to clearly explain the
features of the products;
lengthy documents that are not user
friendly; and
the perception that agents are only
concerned with their commissions.
1.8 Why Awareness is Important

The growing need for financial education for
the families to take better financial decision and
to increase their economic security has been
widely recognized. It is felt that well informed
and well educated customers can create
economic ripples. They make better financial
decisions for themselves and their families,

increasing their economic security and well
being. Secured families are more involved in
their communities as home owners and voters.
They are more involved as parents with their
childrens schools and teachers, enabling better
educational and economic outcomes for their
children. They contribute to vital, thriving
communities, further fostering community
economic development.Thus, being financially
literate is not only important to the individual
household and family, it is also important to
communities and societies. (Hogarth, Jeanne
M., 2006).
Insurance companies can address the
problem of financial illiteracy of consumers by
educating them. This point was corroborated by
the Max New YorkNCAER survey (NCAER,
2008) which showed that even though a
majority of Indian households are good savers,
they do not undertake financial planning and are
financially at risk. Households need to
understand the risk of both living too long and
dying too young. Further, in urban India and
amongst the salaried class, insurance is largely
used as a tax saving tool, rather than for
protection against risk. There is need to reorient
the consumer about the benefits of life insurance
for both financial protection as well as for longterm wealth creation.
Theimportanceofinsurance
i s unquestionable in modern economies as it
serves a broad public interest and is vital to
individuals security. Advocacy of insurance
and risk issues is an important tool that
complements the insurance regulatory and
supervisory framework. This is particularly so
given: (i) households growing risk exposures
and responsibility for covering them; (ii)
increasing diversity and complexity of
insurance products; and (iii) heterogeneity of
insurance providers and distribution channels.
Advocacy can typically: (i) heighten
individuals awareness and responsibility
towards potential risks; (ii) enhance
understanding of insurance mechanisms that
can cover these risks; and (iii) enable the

development of consumers knowledge and
capacity in order to make informed decisions
as regards insurance matters (OECD, 2006).
Private insurers have introduced many
innovative products and offer incentives on
policies in order to woo consumers. The market
share of private insurers has increased steadily
on the basis of total premium from 14.25 per
cent in 200506 to 29.90 per cent in 200910.
In todays context, though the customer has
a variety of products to choose from, wise
choices are possible only with requisite
awareness. Besides, it is not enough for the
customer to have knowledge only of the various
policies available. It is possible that a customer
has problems with a particular policy and should
ideally be aware of organisations that look into
grievances and make prompt payment of claims.
The customer must also be informed about the
lapse of policies, revival of policies, and the
value of a policy in case of surrender. Hence,
the customer must not only choose a product
which is suitable, but also engage with a
company in which the agents provide correct
information.
The results of the Max New York Life
NCAER Survey on India Financial Protection
(NCAER, 2008) indicates that awareness of
life insurance stands at a high of 78 per cent
on an all-India level with more urban
households (90%) aware of it than rural
households (73%). The level of awareness has
increased with education, age and income
levels. However, ownership of insurance
products was low at only 24 per cent. Further,
it was the salaried class that tended to buy
insurance the most, followed by businessmen.
Also, as compared to others married people
are more likely to buy insurance.
Realising the importance of enhancing the
awareness regarding various aspects of
insurance, the IRDA has launched an awareness
campaign with the objectives of: (a) developing
and promoting efficiency of the
insurance sector; (b) improving policy holder

protection; (c) setting up a dispute resolution
m e c h a n i s m ; a n d ( d ) re g u l a t i n g t
h e intermediaries.
The National Council of Applied
Economic Research (NCAER), New Delhi
has been contracted by IRDA, Hyderabad as
the consultant organisation to conduct nationwide pre-launch and post-launch surveys of
insurance awareness. The NCAER conducted
the pre-launch survey during MarchAugust,
2010.
With the primary purpose of collecting
data on awareness of insurance throughout
the country, the objectives of the survey were
threefold:
(a) To study and analyse awareness levels of
the insured population regarding their
rights under the Act, policy holder
protection regulations, different types of
insurance (life insurance including term,
single, premium, endowment, ULIPs,
health insurance, general insurance
including householders, burglary, etc.),
and levels of protection available from
various types of insurance.
(b) To study and analyse the awareness levels
of the uninsured regarding need for
insurance, types of insurance available,
insurance interest, benefits of insurance,
and benefits of ULIP investment.
(c) To generate a socio-economic profile of
the insured and uninsured population by
socio-economic parameters such as
household income, type of dwelling unit,
type of ration card held, occupation,
literacy levels, etc.
The information generated through the
household survey on different facets of the
insurance industry is presented in this report
which is divided into seven chapters, beginning
with the introduction in Chapter 1. In Chapter 2,
the sample design and research methodology are
described. In Chapter 3, based on the data
collected through the survey,
an attempt is made to compare the socioeconomic characteristics of the insured and

uninsured households. Chapter 4 deals with the
perception of the sample population about
insurance as a concept and its benefits. Chapter
5 presents a detailed analysis of the level of
awareness of the sample population on the
diverse aspects of insurance, including their

rights and duties as policy holders.The views
of uninsured households about insurance also
forms a part of this chapter. In the last
chapter, broad conclusions are drawn based
on the survey results, and recommendations
made for policy consideration.
Methodology
2.1 Coverage
A primary sur vey 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.
2.2 Sample Design

A three-stage stratified sample design has
been adopted for the sur vey to generate
union territory, a quarter of all districts,

totalling 151 overall, were selected. The
sample was drawn after consultation with
IRDA. The selection criterion was the female
literacy rate as it is considered to be a proxy
for media penetration.
Stage 2. Selection of villages: Five sample
villages were selected randomly from each
district by the Simple Random Sampling
Without Replacement (SRSWOR) method. Prior
to applying SRSWOR, all the villages of a
district were divided into three categories
according to the female literacy rate as follows:
high literacy (female literacy rate greater
than 70%);
medium literacy (female literacy rate
between 5070%); and
low literacy (female literacy rate between
3050%).
Two villages each were selected from the
2.3 Selection of the Rural Sample
high and low literacy categories, while one

village was selected from the medium category.
Stage 3. Selection of households: In each
selected village, approximately 100 households
were chosen by the equal probability sampling
approach for the purposes of listing and
preliminary survey. During the preliminary
survey, the listed households were stratified by:
(i) insured and non-insured categories; (ii) land
possessed; and (iii) principal source of income.
The 100 households to be stratified were
divided into two categories, namely: (a) insured,
where at least one member of the household
possesses a life insurance policy; and
Stage 1. Selection of districts: From each state and
(b) uninsured, where no member of the
representative samples. Sample districts,

villages and households formed the first, second
and third stage sample units respectively for
selection of the rural sample, while cities and
towns, urban wards and households were the
three stages of selection for the urban sample.
Sampling was done independently within

each state and union territory and estimates
were generated at the state and union territory
level. All-India estimates were made through
aggregation of the estimates for all states and
union territories.
household possesses a life insurance policy.

The insured households were placed in
eight strata while the uninsured household
category remained as a single stratum. Thus,
all 100 households were placed across nine
strata as shown in Table 2.1.
treated as strata. In each National Sample

Survey (NSS) region, towns were categorised
into five groups based on their population,
namely big towns and small towns. There are
170 cities in which the population exceeds
two lakh. All the cities were selected with the
Table 2.1: Stratification of Households in Rural Areas

Category
Insured
Uninsured
Stratum
Description
Principal source of income is self-employment in agriculture and land possessed is 0 2 acres
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 labour (agricultural or other casual labour)
Principal source of income is self-employment in non-agricultural occupations and land possessed is

02 acres
Principal source of income is self-employment in non-agricultural occupations and land possessed is

approximately two 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
No member of the household possesses a life insurance policy
From each of the eight strata of insured

households, two households each were selected
by the equal probability sampling approach. If
any household stratum was missing, then
households from the previous sample stratum,
where additional households were available,
were selected so as to attain 16 sampled
households in that selected village. On the other
hand, four households were selected from the
ninth stratum. On the basis of this sampling
design in rural areas, the realised sample of
14,560 households out of the preliminary listed
sample of 72,800 households was spread over
728 villages in 151 districts covering the 29
states and union territories.
2.4 Selection of the Urban Sample

According to the census of 2001, there are
approximately 4,850 cities and towns in the
states and union territories (excluding Jammu
& Kashmir). The population of cities and
towns in India varies from less than 5,000 to
over one crore each.
In the urban sample design, within the 29
covered state/union territories, states are
10
probability of 1. The remaining cities and towns

were grouped into four strata on the basis of
their population size and from each stratum a
sample of town was selected independently.
A progressively increasing sampling
fraction with increasing town population was
used for determining the number of towns to be
selected from each stratum. From each NSS
region, the allocated number of small towns was
selected by following the equal probability
sampling procedure. The sampling fraction as
shown in Table 2.2 was used at the state level.
A total sample size of 767 urban wards was
allocated among the selected small and big
towns in proportion to the number of wards in
the respective towns. The allocated number of
wards selected from each sample town was
arrived at by following the equal probability
sampling approach. Thus, towns and wards from
the first and second stage sample unit in the
urban sample design were selected.
As in the rural sample design, within a
selected ward, a sample of approximately 100
households was selected for listing and
preliminary survey, using the equal probability
Table 2.2: Sampling Fraction for City and Town Group

Town Class
I
Town population ( 000)

> 10000
Total towns
3
Sample towns
3
Sampling fraction
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
sampling approach. In the preliminary survey,

at the time of listing of the sampled
households, information on insured or
uninsured households, size, household
consumption expenditure for the last month
(MPCE), and principal source of income were
collected. The 100 households were divided
into the insured and un-insured categories.
The insured households were placed across
seven strata while the uninsured household
category remains as a single stratum.Thereby,
all the 100 households have been placed in
eight strata as shown in Table 2.3.
random with equal probability of selection. If

there was no household in any particular
stratum, the shortfall was compensated from the
previous stratum, where additional households
were available, so as to obtain 14 sampled
households from each selected ward in the
urban sector of the detailed survey. For the uninsured household category, six households
were selected from the 8th stratum.
By using this sampling design in urban
areas, the realised sample of 15,640 households,
out of the preliminary listed sample of 76,700
households, was spread over 339 urban wards in
Table 2.3: Stratification of Households in Urban Areas

Category
Stratum
1
Description
Principal source of income is regular salary, wage earnings and sources like remittances and pensions
and MPCE of Rs 800 or less
Insured
Uninsured
Principal source of income as in stratum 1, but MPCE between Rs 801 and Rs 2,500
Principal source of income same as stratum 1, but MPCE approximately Rs 2,500
Principal source of income is self-employment and MPCE less than Rs 800
Principal source of income is self-employment and MPCE between Rs 801 and Rs 2,500
Principal source of income is self-employment and MPCE approximately Rs 2,500
Principal source of income is through casual labour (agricultural and non-agricultural)
No member of the household possesses a life insurance policy
For the insured households category, two

households were selected from each stratum at
146 towns covering the 29 states and union

territories.
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.
3.1 Occupation and Education

The distribution of households by occupation
and level of education is shown in Table 3.1.
The occupation which forms the major source
of income for the family has been taken as the

occupation of the household. Similarly, the
highest level of education of any member in the
household has been taken as its level of
education. This was done because, even where
the head of the family is not literate, the
younger members might be well educated and,
being aware of insurance, become responsible
for the household becoming insured.
It can be seen from Table 3.1 that a high
percentage of the insured households are: (i)
self-employed to the extent of approximately
52 per cent, comprising 9.67 per cent in
agriculture and 32.28 per cent in nonagricultural work; (ii) salaried, comprising 34
per cent; and (iii) engaged as labour, comprising
less than 13 per cent.
As regards uninsured households, the
Table 3.1 Distribution of Households by Main Occupation and Level of Education
Insured Households
Urban
Total
Rural
Urban
Total
Occupation
Rural
Self-employed in agriculture
36.28
2.38
19.67
34.98
3.46
16.20
Agricultural labour
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
Regular wages and salaried
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
Highest level of education

Illiterate
Up to primary school
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
Higher secondary school and above
57.06
69.33
63.07
38.49
48.54
44.48
Total Number of Households
11301
10866
22167
3237
4774
8011
position is: (i) approximately 38 per cent

belong to the labour force, comprising five
per cent in agricultural labour and 33 per cent
in casual labour; (ii) approximately 41 per
cent are self-employed, comprising 16.2 per
cent in agriculture and 24.81 per cent in nonagricultural work; and (iii) only one-fifth are
salaried or earn regular wages.
The irregularity in the earnings of
uninsured households could be a major
impediment in their opting for insurance, as it
involves regular payment. However, a
slightly higher percentage of urban uninsured
households (3.46%) are self-employed in
agriculture, as compared with insured urban
households (2.38%). Nevertheless, in both
insured and uninsured households, a higher
proportion in the rural category is selfemployed in agriculture or works as
agricultural labour, as opposed to urban
households where a higher proportion works
as casual labour, is self-employed in nonagricultural work, or is salaried.
Tables S3.1(a), S 3.1(b) and S 3.1(c) given
in Annexure, show the state-wise distribution of
households by main occupation of the
household. While the distribution follows the
pattern applicable to India as a whole, there are
some differences, such as: (i) in Chandigarh,
Delhi, Daman and Diu, Goa and Andhra
Pradesh, the proportion of households receiving
salaries and regular wages is higher in the
uninsured urban households as compared with
insured urban households; (ii) among the rural
insured households surveyed, in Sikkim more
than 95 per cent were salaried or had regular
wages, while the uninsured once again had the
highest proportion of households that were selfemployed in agriculture; (iii) among insured
urban households, Mizoram has the highest
proportion
of
salaried
households
at
approximately 95 per cent; (iv) among
uninsured urban households, three-fourths in
Orissa depend on casual labour; and (v) for
urban households, there is a large difference in
the proportion of salaried and labour categories
as between the insured (43 per cent salaried

and 14 per cent labour) and uninsured (18 per
cent salaried and 42 per cent labour) in the
eastern region.
As regards the highest level of education of
households, nearly two-thirds of those insured
are educated at least up to higher secondary
school, but much lower for the uninsured at
approximately 45 per cent. On the other hand,
illiterate households account for approximately
one per cent of the insured group, but three per
cent of the uninsured group.
These observations suggest that education
does influence the households decision to opt
for insurance. Within insured households, the
proportion of illiterate households is slightly
higher and those educated up to higher
secondary school or above slightly lower
among the rural households as compared with
the urban households. This implies that urban
households are better educated.
Tables S3.1 (d), S3.1 (e) and S3.1 (f ) in
the Annexure show the state-wise distribution
of households by level of education of
household. Among the rural insured, 95.45
per cent of the households in Mizoram come
under the highest education level, while the
highest proportion of illiterates is seen in
Rajasthan. Among the urban insured,
Meghalaya has the highest proportion of
households under the highest education level
(94.52%), while once again Rajasthan has the
highest percentage of illiterates (11.72%).
Among rural households, the southern
region has the largest proportion of
households in the highest education category
at 65 per cent in the insured and 50 per cent in
the uninsured households. The proportion of
illiterates is highest in the northern region
(2%) amongst both insured and uninsured
(6%) households.
3.2 Type of Dwelling Unit and Family

A classification of households by ownership
of land, type of dwelling unit, and other
parameters is shown in Table 3.2.
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
Urban
Uninsured
Total
Rural
All (Insured +Uninsured)
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
Average size of land (acres)
3.94
NA
3.94
NA
2.82
3.71
NA
3.71
Own
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
25.52
11.61
17.23
15.59
6.67
10.97
Percentage of households with electricity
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
Number of households owning

Agricultural land
8528
NA
8528
2,037
NA
2,037
10,620
NA
10,620
Total Number of Households
11301
10866
22167
3237
4774
8011
14538
15640
30178
2.82
Ownership of dwelling unit
Type of dwelling unit
8.71
Type of family
NA=Not applicable
It is evident from Table 3.2 that a

comparatively higher percentage of insured
households (approximately 75%) own
agricultural land in comparison with
uninsured households (approximately 63%),
and the average land holding is also higher for
insured households at 3.95 acres, against 2.82
acres for uninsured households.
Similarly, comparison of house ownership
reveals that approximately 89 per cent of
insured households live in their own houses,
while this is slightly lower for uninsured
households at 85 per cent. Among the insured,
the proportion of households owning a dwelling
unit is higher in rural areas (94.74%) as
compared with urban areas (82.9%).
Households living in pucca houses account
for 60 per cent of the insured category, but only
47 per cent of those uninsured. Additionally,
electricity supply is present in 93 per cent of
insured households, but only in 87 per cent of
uninsured households. The living conditions

of insured households appear to be better than
those of the uninsured.
The general perception is that people
living in joint families are emotionally and
financially more secure, and so it makes more
sense for people living in nuclear families to
have insurance, particularly life insurance.
However, the data from the sampled
population tells a different story. It can be
seen that a higher proportion of uninsured
households consist of nuclear families as
compared with insured households, and this
holds true for both rural and urban categories.
Tables S3.2(a), S3.2(b) and S3.2(c) provide
the state-wise distribution of households
according to the above criterion. Thus, among
rural households, while there is no difference in
the proportion of insured and uninsured with
electricity connections in the southern region
and a marginal difference in the western region,
a higher proportion of insured households in

the northern (84%) and eastern (85%) regions
have electricity connections compared with
uninsured households (73 per cent and 75 per
cent respectively). The position is similar
with respect to urban households, although a
higher proportion of these have the facility as
compared with rural households, irrespective
of whether they are insured or not.
Three-fourths of the households in rural
Chandigarh own a house irrespective of
whether they are insured or not. However, in
urban Chandigarh, while 63.3 per cent of the
uninsured own a house, the proportion is
higher among the insured at 70 per cent.
Among insured households, the proportion
owning houses is lowest in Arunachal
Pradesh (53.35 per cent in urban and 72.60
per cent in rural areas).
In the eastern region, there is a huge
disparity in the proportion of insured (49%) and
uninsured (19%) households living in pucca
houses in the rural as well as urban areas (67 per
cent insured and 32 per cent uninsured). It is
also seen that approximately 90 per cent of
households in the southern region live in nuclear
families irrespective of being insured or
uninsured, and whether in rural or urban areas.
In the remaining three regions, the proportion
living in nuclear families is slightly higher
among uninsured households.
3.3 Type of Ration Card

The households are categorised by the type of
ration card they possess in Table 3.3.
The percentage of insured households

possessing any card (approximately 60%) is
much higher than that of uninsured households (
45%)inthesurveyedpopulation.
Consequently, a higher proportion of uninsured
households possess Below Poverty Line (BPL)
cards. Interestingly, one-fourth of insured
households are BPL card holders, two per cent
are Antyodaya card holders and 0.22 per cent
are beneficiaries under the Annapurna scheme.
It is possible that the beneficiaries of the
Antyodaya and Annapurna schemes are
members of micro-insurance schemes. Tables
S3.3(a), S3.3(b) and S3.3(c) show the state-wise
distribution of households based on the kind of
ration card held.
In all regions, the proportion of Above

Poverty Line (APL) card holders is higher
among the insured compared with the
uninsured, and is the highest in the western
region and the lowest in the southern region.
Among the insured, rural Uttarakhand (7%)
and rural Jharkhand (6%) and urban Assam
(4%) have a higher proportion of Annapurna
card holders compared with the other states.
This proportion is much higher among the
uninsured in rural (13%) and urban (8%)
Himachal Pradesh, rural Uttarakhand (17%),
rural Mizoram (14%).
T h e re a re s i g n i f i c a n t s t a t e - w i s
e differences. As high as 90 per cent of the
households in Meghalaya reported holding no
card, while in Pondicherry 94 per cent of all
households have BPL cards. On the other hand,
in Mizoram, nearly all urban households,
Table 3.3: Distribution of Households by Type of Ration Card (Percentage)

Insured
Uninsured
Type of Ration Card
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
No card
Total
16
All (Insured + Uninsured)
0.22
0.21
0.22
0.40
0.36
0.38
0.26
0.26
0.26
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
insured or uninsured, have APL cards, while

in the rural areas 95 per cent of insured
households have APL cards compared with 78
per cent among the uninsured.
3.4 Economic Status of the

Households
On the basis of average annual per capita
income, the households are divided into four
income classes: (i) households with less than
Rs 10,000;(ii) between Rs 10,00016,000;
(iii) between Rs 16,00027,000; and (iv)
above Rs 27,000. The average annual
household income, consumption expenditure
and savings are shown inTable 3.4.
On the whole, it is seen that approximately
the average household income of urban

households (Rs 1,08,405) being higher than
that of rural households (Rs 88,640). The
difference in income of rural and urban
households is evident among both insured
and uninsured categories.
It is also seen that the average income of
insured households (Rs 1,10,128) is much
higher than that of uninsured households (Rs
67,799). This is due to the fact that nearly 38
per cent of uninsured households are in the
lowest income class as against only 22 per cent
of insured households, and while only 13 per
cent of uninsured households are in the highest
income class, this proportion is far higher for
insured households (29%). As expected, the
Table 3.4: Distribution of Households by Economic Status: Income, Expenditure and Savings
Insured 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
Rs 16,001 to Rs 27, 000
25.56
24.21
24.90
17.79
25.19
22.20
23.83
24.51
24.18
Rs 27,001 & above
22.45
36.04
29.11
9.77
15.97
13.47
19.63
29.91
24.96
97,183
1,23,594
1,10,128
58,897
73,834
67,799
88,660
Average annual
household savings (Rs) 23,118
27,947
25,484
12,138
14,606
13,638
21,110
24,410
23,327
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
Average annual
household income (Rs)
Average monthly
household consumption
expenditure (Rs)
Total number of
households
one-fourth of the households come under each

class of income considered. However, while 31
per cent of rural households have an average
annual per capita income of less than Rs 10,000,
only approximately 20 per cent fall in the
highest income category. On the other hand,
among urban households, 21 per cent fall in the
lowest income category and 30 per cent in the
highest income class This is reflected in
1,08,405 1,04,770
average annual consumption expenditure of

uninsured households (Rs 51,816) is less than
that of insured households (Rs 78,828), and
this also holds for average savings which
stand at Rs 13,638 for uninsured households
as against Rs 25,484 for insured households.
The sources of information for the
households are shown inTable 3.5.
3.5 Major Sources of Information

Table 3.5: Distribution of Households by Major Sources of Information (Percentage)
Source of Information
Rural
Insured
Urban
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
Bazaar or local people
32.04
25.29
28.73
34.32
32.47
33.22
Relatives, friends or neighbours
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
Fair price shop (FPS)
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
Rural knowledge hub
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
Total
Rural
Uninsured
Urban
Total
Note: These are multiple responses and therefore the sum may not be equal to hundred
Television is the primary source of

information for both insured and uninsured
households, followed by friends, relatives,
and neighbours who exchange news. Other
major sources of information are newspapers,
radios and transistors. The state-level pictures
on major sources of information are shown in
Annexure Tables S3.4(a), S3.4(b) and
S3.4(c).
3.6 Types of Insurance Held

The distribution of households by type of
insurance held is shown in Table 3.6. As per the
definition of the insured households adopted
for the study, the table reflects 100 per cent life
insurance for the insured households and no
household among the uninsured has life
insurance cover for any of the family members.
Table 3.6: Distribution of Households by Type of Insurance Taken

Type of Insurance
Insured (%)
Uninsured (%)
Rural
Urban
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
Any other insurance
0.42
0.76
0.59
0.71
0.19
0.40
18
It is noteworthy that even among

uninsured households (those without a life
insurance policy), some have opted for other
kinds of insurance while the proportion of
uninsured households opting for insurance is
much lower than insured households.
There are other pointers: (i) motor
insurance is the most sought after, accounting
for nearly 31 per cent of insured and 6 per cent
of uninsured households; 35.56 per cent of
urban insured households and 26.41 per cent of
their rural counterparts have motor insurance;
(ii) approximately 6 per cent of insured
households have health insurance while those
who have general insurance is lower at
approximately 4 per cent; (iii) as expected, a
higher proportion of rural households have
taken crop insurance and tractor insurance when
compared with urban households; and (iv) the
proportion of urban insured households who
have taken health insurance and general
insurance is marginally higher as compared with
insured rural households.
Tables S 3.5(a), S3.5 (b), S 3.5 (c) and S3.5
(d) provide the state-wise distribution of
households based on the different kinds of
insurance taken by them, with the broad picture
being: (i) motor insurance is the main type of
insurance that the uninsured opt for; (ii) the
states with a high proportion of households
opting for motor insurance are rural Punjab
(28%), Daman and Diu (rural 30%, urban 23%),
Goa (rural 25%, urban 40%) and Pon d i c h e r r
y ( u r b a n 3 3 % ) ; a n d ( i i i ) Chhattisgarh
(urban) has the highest proportion of households
opting for health insurance among the
uninsured. It is, however, possible that the
households are members of some microinsurance or health insurance scheme offered by
a particular employer.
Further features here are: (i) among
insured households, those in the southern
region have the highest proportion opting for
different types of insurance, and these
percentages are higher for the urban category
compared with the rural category; (ii) Tamil
Nadu (rural as well as urban) has the highest

proportion of households with health insurance;
(iii) 21 per cent of the households in rural
Haryana, 25 per cent in urban Haryana and 44
per cent in urban Mizoram have general
insurance; and (iv) it is motor insurance which
is very popular even among insured households,
Pondicherry having the highest proportion of
households with motor insurance (89 per cent
urban and 79 per cent rural).
3.7 Details of Different Kinds of

PoliciesLife, General and Health
Held by Members of Households
The survey collected detailed information about
the insurance policies held by different members
of the households like whether they have taken
the insurance cover from government or private
companies, the amount of annual premium paid,
amount insured, etc. These are analysed in this
section. All the surveyed households have been
included in this analysis. Hence while the
proportion under life insurance will include only
members from insured households, those under
the other two categories of insurance could
belong to either insured or uninsured
households.
Proportion of Policy Holders

Tables 3.7a (Rural), 3.7b (Urban) and 3.7c
(All) provide information about the proportion
of household members having life insurance,
general insurance and health insurance under
both public and private sectors, based on their
income categories. Since more than one person
from the same household can opt for insurance,
the tables show the number of members and not
the number of households.
The data shows: (i) the number of
household members, rural or urban, opting for
insurance clearly indicates that those taking
government insurance policies far exceed those
taking private insurance policies, regardless of
the type of insurance, namely life, general or
health; and (ii) those opting for general and
health insurance are almost negligible when
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
Less than Rs 10,000
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
26.73
23.04
26.92
25.93
27.03
47.06
13,057
1,007
52
27
37
17
Above Rs 27,000
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
per capita income)
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Government
General
Insurance
Private
Health
Health
Insurance
Government
Insurance
Private
14.29
Less than Rs10,000
10.37
10.40
7.14
13.64
0.00
Rs 10,000 to Rs 16,000
23.43
20.15
21.43
18.18
34.48
21.43
Rs 16,001 to Rs 27,000
23.98
23.40
17.86
18.18
6.90
42.86
Above Rs 27,000
Number of Household
42.23
46.05
923
53.57
28
50.00
22
58.62
29
21.43
14
13 484
members insured
Table 3.7c: Distribution of Household Members with Insurance by Annual Per Capita Household Income Categories
(Rural + Urban) (Percentage)
Household Income
per capita income)
Less than Rs.10,000
Life
Insurance
Government
Life
Insurance
Private
General
Insurance
Government
14.63
17.15
18.75
Rs 10,000 to Rs 16,000
25.13
24.92
Rs 16,001 to Rs 27,000
25.64
23.89
Above Rs 27,000
34.60
34.04
26 541
1 930
Number of Household
General
Insurance
Private
Health
Health
Insurance
Government
Insurance
Private
16.33
3.03
12.90
25.00
18.37
37.88
25.81
20.00
28.57
18.18
25.81
36.25
80
36.73
49
40.91
66
35.48
31
members insured
compared with those taking life insurance (97

members with health insurance, 129 with
general insurance as against 28,471 with life
insurance).
An examination of the proportion of
household members in different income groups
holding policies shows: (i) among rural
households, the proportion of members who opt
for different types of life insurance, either
20
government or private, does not appear to

depend on their income group; (ii) among
urban households, the proportion of their
members taking insurance goes up with
increase in the level of income, for both
government and private insurance policy
holders; (iii) the proportion of policy holders
is the least (approximately 10%) in the lowest
income categories, while 42 per cent of those
with government life insurance policies, and 46

per cent of those with private life insurance
policies belong to the highest income group; and
(iv) for general and health insurance, no
particular trend is seen, and it may also not be
correct to interpret the data since the number of
members who have opted for these is very low.
Policy Holders by Gender

The proportion of policy holders by gender is
shown in Table 3.8.
Table 3.8: Proportion of Policy Holders by Gender
health insurance are males, the gender

difference in the number of policy holders is
less in the case of health insurance. The malefemale ratio among those having health
insurance are 70:30 for government, and
67:33 for private as compared to the male
female ratios among those having life
insurance (80:20 for government, and 79:21
for private). Also, whatever be the type of
insurance, the proportion of urban females
insured is higher than that of rural females.
Category of insurance
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
Table 3.8 clearly indicates that among

insurance policy holders, the proportion of male
members is much higher than that of females,
for all types of insurance irrespective of whether
the household is rural or urban. However, the
ratio of female members having insurance is
higher in the urban households in all categories.
Generally, life insurance is considered to

be a safety valve and protects the family
against a mishap that might afflict the earning
member of the family. Since the proportion of
earning males is much higher than that of
earning females, a similar difference would
exist in the proportion taking insurance.
Similarly, most of those going in for general
insurance are those with vehicle insurance,
and once again it is to be expected that a
higher proportion of insured persons would be
males, as reflected in the table.
Health insurance however is taken as a
precautionary measure.The table indicates that
although a higher proportion of those having
Value of Policy and Premium

The average annual premium and the average
policy value for all three categories of insurance
based on income class are given in Table 3.9.
Thus, both average annual premium paid by
the policy holder and average annual value of
life insurance are generally seen to increase with
the rise in household income. The policy value,
and hence the premium, are higher for private
life insurance compared with government life
insurance. While the average annual premium
for government policies range between Rs 3,830
for the lowest income group to Rs 7,616 for the
highest income group, this ranges between Rs
6,257 and Rs 11,139 for private insurance.
Similarly, the value of the policy varies between
Rs 78,000 and Rs 1,31,000 in case of
government policies, and between Rs 74,000
and Rs 1,42,000 in case of private policies. The
general and health insurance policy numbers are
very low.
Table 3.9: Average Annual Premium and Average Policy Value by Income Class
Less than Rs
3,830
6,257
7,565
4,261 1,200 6,575 77,948
73,935
Rs 10,000 to
Rs 16,000
4,562
5,762
7,905
1,267 5,709 6,848 87,610 1,20,059
Rs 16,001 to
Rs 27,000
4,827
8,368 6,645 5,746 1,576
Above Rs .27,000
7,616
11,139
26,541
1,930
HealthInsurancePrivat
e
HealthInsuranceGovernme
nt
GeneralInsurancePrivat
e
GeneralInsuranceGovernme
nt
LifeInsurancePrivat
e
HealthInsurancePrivat
e
LifeInsuranceGovernme
nt
Average Policy Value (Rs)
HealthInsuranceGovernme
nt
GeneralInsurancePrivat
e
GeneralInsuranceGovernme
nt
Households
Income Class
(average annual
per capita income)
LifeInsurancePrivat
e
LifeInsuranceGovernme
nt
Average Annual Premium (Rs)
1,26,786 38,313 27,500 40,000
10,000
Total number of
persons
49
66
Annual Premium as Percentage of

Income
The average annual premium as a percentage of
annual income for all three kinds of insurance
for rural, urban and all households together is
shown in Tables 3.10a, 3.10b and 3.10c.
Confirming the results of the previous
Table, it is seen that the premia as a percentage
20,878
2,319 89,449 1,10,255 1,97,800 96,808
8,381 8,087 5,754 15,625 1,30,990 1,42,199

80
86,625
31
26,541
96,946
1,930
80
98,125 1,98,875
41,250
34,814
1,16,956 8,55,75 1,20,000

49
66
31
of income, are higher for private life insurance

compared with government life insurance
reckoned by income classes. But surprisingly,
this is: (i) the lowest for the highest income
group with 1.80 per cent for government and
8.80 per cent for private insurance in rural
households and 3.69 per cent and 4.07 per cent
respectively for government and private
Table 3.10a: Average Annual Premium as a Percentage of Annual Household Income (Rural)
Households Income
Life
Life
General
Insurance
Government
Insurance
Private
Insurance
Government
Less than Rs 10,000
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

per capita income)
Above Rs 27,000
Total number of persons
General
Insurance
Private
Health
Health
Insurance
Government
Insurance
Private
Table 3.10b: Average Annual Premium as a Percentage of Annual Household Income (Urban)
Households Income
per capita income)
Life
Insurance
Government
Life
Insurance
Private
Less than Rs 10,000
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
General
Insurance
Government
General
Insurance
Private
Health
Insurance
Government
Health
Insurance
Private
Table 3.10c: Average Annual Premium as a Percentage of Annual Household Income (Total)
Households Income
Life
Life
General
General
Health
Health

per capita income)
Less than Rs 10,000
Insurance
Government
8.45
Insurance
Private
13.81
Insurance
Government
16.70
Insurance
Private
9.40
Insurance
Government
2.65
Rs 10,000 to Rs 16,000
6.65
8.40
11.52
1.85
8.32
9.98
Rs 16,001 to Rs 27, 000
5.04
8.73
6.93
5.99
1.64
2.42
3.71
5.42
4.08
3.94
2.80
7.60
26,541
1,930
80
49
66
31
Above Rs 27,000
Insurance
Private
14.51
insurance in urban households; and (ii) the

highest for the lowest income group with 8.67
per cent for government and 14.79 per cent for
private insurance in rural households and 8.09
per cent and 11.69 per cent for government and
private insurance in urban households.
1,706 and Rs 11,641 for rural households; (ii)

Rs 3,697 and Rs 8,267 for urban households;
and (iii) Rs 2,751 and Rs 7,989 for the
households taken together (rural and urban),
being similar to those paid by households
with government life insurance.
3.8 Opinion of Uninsured

Households on Possible
Economic Risks
3.9 Conclusion
The uninsured households were asked if they

would contribute some money for possible
economic risks. In the case of those who
answered in the affirmative, the amount they
could contribute per year was noted. Table
3.11 provides the distribution of such
households based on income categories.
On the whole, 38.23 per cent households
The analysis yields the following conclusions:

(i) a higher proportion of insured households
have salaried, regular wage earners or are selfemployed; (ii) the proportion of labourers is
higher among the uninsured; (iii) the average
annual income, expenditure and savings of
insured households is much higher than that of
uninsured households; (iv) among both the
insured and the uninsured, urban households are
better off than rural households; (v)
Table 3.11: Income-wise Distribution of Uninsured Households Based on Amount They Could Contribute for Possible
Economic Risks
Rural
Households Income
per capita income)
No. of
Households that
can Contribute
Urban
Total
Average
No. of
Average
No. of
Amount Per Households that Amount Per Households that
Year (Rs)
can Contribute
Year (Rs)
can Contribute
Average
Amount Per
Year (Rs)
Less than Rs 10,000
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
(34.66 per cent rural and 40.66 per cent urban)

answered in the affirmative. The average
contribution per year increased with increase in
the income category and ranged between: (i) Rs
parameters such as ownership of land and house

with electricity connection also indicate that
insured households are economically better off
than the uninsured; and (vi) non-
regular income and lower economic levels

could be impediments for the uninsured
households taking insurance, since it involves
regular premium payments.
A further set of conclusions is: (i) a
higher proportion of insured households lie in
the higher education category; (ii) the
proportion of illiterates and those educated
only up to primary school is higher among
uninsured households; and (iii) education
could be an important prerequisite for
household awareness and understanding of
the benefits of insurance.
The general impression appears to be that
joint families have the benefit of the support
of other family members, and hence may not
opt for insurance. However, the survey data
indicates that a higher proportion of
uninsured households live in nuclear families
and hence this factor may not have any
bearing on the family becoming insured.
Among the sources of information, the
important ones are: (i) television, which is the
primary source for both insured and
uninsured households; (ii) friends, relatives
and neighbours are next in importance; and
(iii) newspapers, radios, and transistors.
Only very few households that do not have
life insurance have other kinds of insurance
such as motor insurance. However, the insured
households, i.e. the households having life
insurance policies, do have other kinds of
insurance such as general insurance, health
insurance, motor insurance, tractor insurance,
livestock insurance, accident insurance, crop
insurance, pump insurance, etc.
It is also seen that: (i) the number of
household members who have taken insurance
clearly indicates that regardless of whether they
are rural or urban, or whether they have taken
life insurance, general insurance or health
insurance, the number of those taking
government insurance policies is much higher

than those taking private insurance policies; (ii)
very few have opted for general and health
insurance; (iii) among rural households, the
proportion of members taking life insurance,
either government or private, does not appear to
depend on the income group to which they
belong; (iv) among urban households, the
proportion taking insurance rises with increases
in the level of income, for both government and
private insurance policy holders; (v) among
those having insurance policies, the proportion
of male members is much higher than that of
females, for all types of insurance irrespective
of whether the household is rural or urban; (vi)
the ratio of female members having insurance is
higher in urban households as compared with
the rural households in all the categories; (vii)
although compared to women a much higher
proportion of men are having health insurance
cover, the gender difference is less pronounced
among those having health insurance (70:30 for
government, and 67:33 for private) as compared
to those having life insurance (80:20 for
government, and 79:21 for private); (viii) very
few people have taken health insurance; (ix)
both the average annual premium and the
average annual value of life insurance are
generally seen to rise with the increase in the
level of income of the households; (x) the policy
value, and hence the premium, are higher for
private life insurance compared with
government life insurance; and (xi) a little less
than half of the uninsured households are
prepared to contribute some money for possible
economic risks and the average contribution is
similar to the life insurance premium of those
having government life insurance. This indicates
that improved awareness could reduce the
proportion of uninsured households.
24
Perception of Households
about Insurance as a
Concept and Its Benefits
The success of an insurance awareness
insured and uninsured households to such
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
questions.

When households were asked the question:
What is insurance? approximately 20 per cent
of the rural uninsured households and 16 per
cent of their urban counterparts had nothing to
say. As one would expect, this percentage was
much lower at 2 per cent in the case of insured
rural as well as urban households (Table 4.1a).
While the percentage whose answer was cant
say remained low (single digit) among the
insured households in all the states, in the case
of uninsured households, the percentage was
notably high in some of the states, such as
Haryana (32.3%), Rajasthan (36.8%), Bihar
(35.1%), Jharkhand (41.4%) and Meghalaya
Table 4.1a: Distribution of Households Based on Their Concept of Insurance (Percentage)

Concept of insurance
Insured Households
Rural
Urban
31.5
30.7
from certain events

Compensate for losses
34.2
from certain events

Rebuild the asset lost due
Rural
Urban
Total
3.1
25.9
25.0
25.3
37.6
35.9
24.3
26.9
25.8
43.5
48.1
45.7
29.4
33.5
31.8
to certain events
Compensate for loss of life
20.8
51.7
20.4
50.9
20.6
51.3
12.9
38.3
14.6
42.1
13.9
40.5
Any other
5.2
8.5
6.8
3.8
6.7
5.6
Prevent certain events
Total
Prevent damage to assets
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
11,301
10,866
22167
3,237
4,774
8,011
(34.4 %). (Tables S4.1a, S4.1b and S4.1c)

As compared with uninsured households, a
higher percentage of insured households knew that
the aim of insurance is to compensate for losses
occurring as a result of certain unforeseen events
and to compensate for loss of life; though, not
much of a ruralurban difference in this pattern
was noticed. While 46 per cent of i n s u re d h o u
s e h o l d s t h i n k i n s u r a n c e compensates
for losses occurring from unforeseen events, 51
per cent feel insurance is to compensate for loss of
life. In the case of uninsured households, the
respective percentages are lower at 32 and 41. In
some of the states, people seem to associate
insurance mainly with loss of life; more than 90
per cent of
percentage of insured households (31%) also

seem to think so.
The perception of households by their
level of education (Table 4.1b) shows that
with the increase in the level of education, the
percentage of insured as well as uninsured
households that could not say anything about
what insurance is, comes down while the
percentage who think that insurance can
compensate for losses and help rebuild assets
goes up.
Ironically, a higher percentage among the
educated households (insured as well as
uninsured) think that insurance can prevent
certain unforeseen events and can prevent
damage to assets from them.
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
Up to
Primary
Up to
High
School
Higher
Secondary
and above
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
Rebuild the asset

lost due to certain
events
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
Prevent certain
Illiterate
events
All
Number of
households
the households in Uttarakhand, Sikkim and Goa

and more than 80 per cent of the insured
households in Madhya Pradesh, Chhattisgarh
and Tripura have mentioned compensation for
loss of life. While one-fourth of the uninsured
households think that insurance can prevent
unforeseen events, surprisingly a higher
26
4.2 Major Source of Information

on Insurance
For both insured and uninsured households in
rural as well as urban India, the insurance agents
are the most important source of information on
insurance (Table 4.2). Thus, as
high as 70 per cent of insured and 45 per cent of households in Meghalaya, Mizoram, Goa,
uninsured households have mentioned agents
Tamil Nadu and Himachal Pradesh.
Table 4.2: Distribution of Households by Their Major Source of Information on Insurance (Percentage)
Major source of
information on
insurance
Insured Households
Rural
Urban
Print media
18.8
28.8
Visual media
34.0
Radio/transistor
Corporate publicity
Total
Rural
Urban
Total
23.7
19.0
20.8
20.0
45.1
39.4
27.1
35.1
31.9
20.6
16.6
18.6
20.5
17.4
18.6
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
11,301
10,866
22,167
3,237
4,774
8,011
being major source of information on

insurance. In Haryana, Sikkim, West Bengal,
rural Chhattisgarh, Andhra Pradesh and
Tripura and the urban areas of Madhya
Pradesh, more than 90 per cent of the
households are dependent on agents for
information (Tables S4.2a, S4.2b and S4.2c).
Hence, for both insured and uninsured
households, the next two important sources of
information are friends and relatives, and the
visual media. As far as insured households are
concerned, while 38 per cent are dependent
on friends and relatives, for 39 per cent of the
households, visual media is the major source
of information. As far as uninsured
households are concerned, the percentages are
42 and 32 respectively. For 19 per cent of
both insured and uninsured households, radios
and transistors are impor tant sources of
information. The households dependence on
both visual and print media for information is
marginally higher in the urban areas as
compared with rural areas. The print media
has been mentioned by a high percentage of
households in Mizoram and Meghalaya, and
the visual media by a high percentage of
4.3 Relevance of Insurance

Not surprisingly, as high as 97 per cent of the
insured households feel that insurance is
relevant to them (Table 4.3). In Uttar Pradesh,
Uttarakhand, Orissa, Goa, West Bengal,
Tripura, Gujarat, and Pondicherry, almost all
households feel that it is relevant (Tables
S4.3a, S4.3b and S4.3c). Even among the
uninsured households, 57 per cent are of the
opinion that insurance is relevant to them.
Thus, the most important reason why the
households think that insurance is relevant is
fear of accidents, closely followed by fear of
untimely death. Among the insured households,
68 per cent have given accidents and 61 per
cent untimely death as reasons for relevance.
For the uninsured households, these two
percentages are marginally lower at 64 and 57.
There are no ruralurban differences in these
percentages in the case of both insured and
uninsured households. However, there are some
variations across states (Table S4.3). While in
most states, the fear of meeting with accidents
has been given as a reason by a very high
percentage of insured households, in P unjab
(47.6%), R ajasthan (35.2%),
Table 4.3: Relevance of Insurance to Households and Reasons (Percentage)

Perception of the
Insured Households
relevance of insurance
Rural
Urban
Households who feel

insurance is relevant
97.0
97.5
Natural calamity
22.4
Crop failure
18.1
Accidents
Total
Rural
Urban
Total
97.2
54.0
59.6
57.3
21.4
21.9
22.2
20.0
20.9
7.8
13.0
14.4
9.7
11.4
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
Economic burden of higher

education
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
Enjoy the present instead of

securing the future
0.0
0.0
0.0
47.4
41.5
43.8
Companies swallow hard

earned money
0.0
0.0
0.0
46.7
42.4
44.1
Dont feel the need
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
Households who cant

say/dont know whether
insurance is relevant to them
2.3
1.8
2.0
28.1
21.6
24.2
Reasons for relevance
All
Households who feel
insurance is not relevant
Reasons for not being relevant
Meghalaya (44.4%), and West Bengal

(40.2%) this percentage is lower. Again,
among insured households, in Chandigarh
(31.7%), Punjab (47.7%), Uttarakhand
(44.3%), Jharkhand (38.3%), Meghalaya
(36.4%), Andhra Pradesh (31.1%), Karnataka
(48.9%), Kerala (43.9%), Pondicherry
(23.3%) and Tamil Nadu (31.8%), a much
smaller percentage have mentioned untimely
death as a reason for insurance being relevant.
Similarly, in the case of uninsured
households, only a small percentage of
28
households in West Bengal (27.8%) have

mentioned accidents. Again, in Uttarakhand
(34.9%), Jharkhand (32.9%), and Tamil Nadu
(15.0%) untimely death is considered a reason
for insurance being relevant.
The reason why insurance is not felt to be
relevant was analysed only for uninsured
households, since only a small percentage of
insured households said that insurance is not
relevant. Approximately 18 per cent of
uninsured households who said that insurance is
not relevant (57 percent said that insurance is
relevant to them and the remaining 24 per cent

of the uninsured households could not say
anything) were asked the reason why they think
that insurance is not relevant to them. Most of
these households do not feel the need for
insurance; as 83 per cent of the households have
cited this reason. Reasons such as enjoy the
present instead of securing the future and
companies swallow hard earned money were
given by 44 per cent in each case. The reasons
given by the uninsured households on why they
think that insurance is not relevant to them are
presented statewise in Table S4.3d.
pattern is similar across most states; (iv) among

the uninsured households, nearly 13 per cent
hold the view that insurance is relevant only to
rich, whereas in insured households only 2 per
cent hold this view; (v) approximately one-fifth
of the uninsured households seem to have no
opinion on this issue; and (vi) fortunately, only
a very negligible proportion of both insured and
uninsured households view insurance as not
being relevant to any one.
Table 4.4b shows: (i) household opinion on
class to which insurance is relevant does not
vary much by income level; (ii) in the case of
Table 4.4a: Distribution of Households by Their Perception about the Class to Which Insurance is Relevant (Percentage)
Class to which insurance
Insured Households
is relevant
Rural
Urban
Total
Rural
Urban
Total
Only for rich
2.3
2.5
2.4
12.7
12.6
12.6
Only for middle class
3.9
3.4
3.7
2.9
1.9
2.3
Only for poor class
1.6
1.5
1.6
2.3
1.8
2.0
For all classes
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
Total number of households
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)
Class to which
Only for rich
Insured Households
Less than Rs 10,000 Rs 15,000
Above
Less than Rs 10,000 Rs 15,000
Rs 10,000 Rs 15,000 Rs 25,000 Rs 25000 Rs 10,000

2.37
2.95
2.22
2.26
13.60
Above
Rs 15,000
12.49
Rs 25,000
12.87
Rs 25,000
9.93
Only for middle class
1.51
2.16
4.41
5.74
1.27
2.18
3.48
3.34
Only for poor class
1.70
1.87
1.44
1.36
2.37
1.81
1.79
1.76
For all classes
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
Table 4.4a shows that the perception of

insurance being relevant to all classes is held by:
(i) most insured households (88%); (ii) 61 per

cent of the uninsured households; (iii) this
insured households, the percentage saying

insurance is meant only for the middle class
increases from 1.5 to 5.7 as the annual
household income rises from less than
Rs 10,000 to Rs 25,000 and above; (iii) the

percentage saying for all classes comes
down marginally from 90 per cent to 88 per
cent; and (iv) among uninsured households,
the percentage saying only for rich comes
down from 13.6 to 9.9 as the level of income
increases from the lowest to the highest
category. Statewise details are presented in
Tables S4.4a, S4.4b and S4.4c.
4.4 What Kind of Tool is Insurance?

More than half of the insured and more than
one-fourth of the uninsured households think
that insurance is both a savings and a
protection tool.
Table 4.5 shows: (i) among insured
households, a marginally higher percentage of
S4.5b and S4.5c).

The table further shows: (i) a majority of
insured households in most states think that
insurance is both a protection and a savings tool;
(ii) however, a much smaller percentage of the
households think so in Haryana (5.1%), Bihar
(22.5%), Rajasthan (29.7%), Delhi (23.8%); (iii)
a fairly high percentage of insured households
in Haryana (88.0%), Bihar (61.1%) and Delhi
(59.8%) feel that insurance is neither a savings
nor a protection tool; (iv) though for uninsured
households in a number of states insurance is
considered to be neither, a fairly high
percentage in West Bengal and the north-eastern
states, namely Sikkim, Meghalaya and Tripura,
think of insurance as both a savings and
protection tool.
Table 4.5: Distribution of Households by Their Perception of Insurance as a Tool (Percentage)

Perception of
Insured Households
insurance
Rural
Urban
Total
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
the urban segment (53.6 per cent urban as

against 49.7 per cent rural) think of insurance as
both a savings and a protection tool; (ii) among
uninsured households there is no rural-urban
difference; (iii) approximately 10 per cent of
both insured and uninsured households think of
insurance purely as a savings tool; (iv) while 21
per cent think of insurance as a protection tool,
this level is lower at 17 per cent for uninsured
households; (v) not surprisingly, among
uninsured households, 47 per cent think it is
neither a savings nor protection tool; (vi)
surprisingly, even among insured households
approximately 18 per cent think insurance is
neither; and (vii) there are wide variations in
these percentages across states (Tables S4.5a,
30
Rural
4.5 Losses that an Insurance

Policy could Compensate
One of the factors that could influence the
decision to take an insurance policy is the extent
to which an insurance cover would compensate
for the losses, both physical and financial. The
question is: can insurance fully replace an asset
lost in an unforeseen eventuality?
The survey tried to find the perception of

households on this aspect of insurance, and
the findings are presented in Table 4.6.
The findings indicate: (i) there is similarity in
the perception of rural and urban households
regarding the extent to which insurance can
replace financial and physical losses; (ii) there is
hardly any ruralurban difference in the views
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
Urban
Total
Rural
Urban
Total
Physical losses that insurance can replace

Full
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
Financial losses that insurance can replace

Full
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
expressed; (iii) as far as the uninsured

households are concerned, for financial losses
more than two-thirds of the households and
for physical losses approximately 63 per cent
of the households could not express their
opinion; (iv) as far as insured households are
concerned, nearly one-fourth could not give
their views on both financial and physical
losses that an insurance cover could
compensate; (v) the percentage saying
insurance can replace none, remains low for
both insured as well as uninsured households;
(vi) a fairly substantial proportion of insured
households (more than 40%) feel that
insurance can only partly compensate for both
physical and financial losses, although more
than one-fourth of the insured households (29
per cent for physical and 27 per cent for
financial losses) seem very optimistic that
insurance can fully compensate for the losses.
There are wide variations across the states
and union territories and in a number of them
the households do not seem to have any idea
about the extent to which they would be
compensated. The percentage answering cant
say is fairly high in some of the states, even
among the insured households (Tables S 4.6a

to S4.6f ).
4.6 Benefits of Insurance vis-vis Other Savings

Expectedly, nearly 60 per cent of the
uninsured households could not express their
views regarding the benefits of insurance vis-vis other savings. The percentage that
replied cant say was higher in rural as
compared to urban India (62.8 per cent rural
as against 56.1 per cent urban). However,
among the insured households, only
approximately 13 per cent could not give
their opinion on this matter (Table 4.7).
Table 4.7 shows: (i) the most important
benefit of insurance as perceived against
other forms of savings is its usefulness in an
emergency. Approximately 52 per cent of
insured and 18 per cent of uninsured
households mentioned this as a benefit while
opting for an insurance cover; (ii) insured
households see other benefits in insurance in
the form of appreciation in value and tax
benefits, these being the next two important
benefits perceived.
Table 4.7: Distribution of Households by Their Perception of Benefits of Insurance vis--vis other Avenues of Savings
(Percentage)
Insured Households
Benefits of insurance
Rural
Urban
Total
Rural
Urban
Easy marketability
11.0
11.7
11.4
2.4
2.5
Total
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
Any other benefit
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
There are wide variations across states in

the households perception of the benefits of
insurance vis--vis other forms of savings
(Tables S4.7a to S4.7c). Thus: (i) usefulness
during emergency has been given as a benefit
by more than 70 per cent of the insured
households in Uttar Pradesh, Goa, Gujarat,
and Maharashtra; (ii) in other states, namely
Sikkim, Tripura and West Bengal, a very
small percentage of insured households have
mentioned this as a benefit vis--vis other
savings; (iii) among insured households, tax

benefit is perceived as important by a high
percentage in Kerala (61.4%) and Andhra
Pradesh (58.8%) and the same applies to
insured households.
4.7 Benefits of Life Insurance

Insured households, as well as uninsured
households were asked whether they are
aware of life insurance (Table 4.8). Though in
most states almost all insured households
Table 4.8: Distribution of Households Based on Awareness and Views about Benefits of Life Insurance
Policies (Percentage)
Awareness and views
Households aware of life

insurance policies
Insured Households
Rural
Urban
97.2
97.3
Total
Rural
Urban
Total
97.2
56.5
66.1
62.2
Views on benefits of life insurance policies

Security purposes
60.4
62.1
61.2
53.7
51.0
52.0
Bulk return in future
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
Good return on savings
24.8
24.1
24.7
18.7
17.7
18.1
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
Tax benefits
Risk coverage
Others
Total
32
had heard about life insurance, a very small

percentage were unaware; probably in these
households the agents have made them take
policies while the households do not even
seem to understand what life insurance is all
about. Among the uninsured households, only
62 per cent are aware of life insurance.
There are wide variations in the level of
awareness about life insurance across various
states (Table S4.8). While in the southern and
western states the level of awareness even
among the uninsured households is fairly
high, in some of the northern and eastern
states it is fairly low.
Most of the insured and uninsured
households see the benefits of life insurance
as a means of security and coverage of risks.
For more than 60 per cent of the insured
households and more than 50 per cent of the
return on savings. Among the uninsured

households the percentage of households
mentioning these two benefits works out to be
marginally lower at 40 and 18 respectively.
Though there are wide variations across the
states, the households by and large seem to
view life insurance as a protection as well as a
savings tool.
4.8 Benefits of Health Insurance

Approximatel y half of the sampled
households are aware of health insurance
(Table 4.9). As compared with rural
households, the level of awareness of urban
households seems marginally better (51% in
rural and 56% in urban areas). The level of
awareness about health insurance is fairly low
in Haryana, Rajasthan, Karnataka, rural a re a
s o f B i h a r, H i m a c h a l Pr a d e s h ,
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
Protection against critical illness
45.9
49.4
47.8
Protection against all illnesses
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
Views on benefits of buying health insurance
Other benefits
6.2
6.2
6.2
No benefits
3.8
2.5
3.1
All
100.0
100.0
100.0
Number of households who have heard about health insurance
7,438
8,776
16,214
Others
uninsured households, insurance is for security

purposes; risk coverage as a benefit of life
insurance is mentioned by nearly 40 per cent of
the insured and uninsured households who have
heard of life insurance. The households also
seem to view life insurance as a good savings
tool as approximately half of the insured
households, who are aware of life insurance,
have mentioned bulk return in future and
another one-fourth have mentioned good
Jharkhand, Meghalaya, and Sikkim (Table

S4.9).
Thus, there is not much ruralurban
difference in the perception of households on
the benefits of health insurance. People
realise that health insurance provides
protection against illnesses. Only a very small
percentage of households feel that it has no
benefit.
4.9 Decision to Take Insurance

Approximately three-fourths of the households
with an insurance policy have mentioned that
their decision to do so was influenced by agents
(Table 4.10). More than 40 per cent of the
households were influenced by friends and
relatives. As compared to rural India, a
marginally higher percentage of urban
very high percentage of households reported

that they took the decision to buy insurance on
the advice of agents, there are exceptions to this.
(Table S4.10) For instance, (i) in Delhi more
than 80 per cent opted for insurance voluntarily
and only 43 per cent claimed they were
influenced by the agents; and (ii) in the southern
states,the influence of agents seems lesser.
Table 4.10: Distribution of Insured Households by Factors Influencing Their Decision to Take Insurance (Percentage)
Reasons influencing decision to take insurance
Households with Insurance

Rural
Urban
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
Requirement of the financier
2.7
3.7
3.1
Other sources
1.2
1.3
1.2
100.0
100.0
100.0
All
households took the decision on their own.

Similarly, a marginally higher percentage of
urban households reported that they were
influenced by advertisements. Other than
these marginal differences, there is not much
of a ruralurban difference in the factors that
influence the decision to take insurance.
Although in most states and union territories a
Total
4.10 Reasons for Not Taking

Insurance
The households which are categorised as
uninsured, namely those in which no member
of the family has life insurance, were asked
why they chose not to opt. The reasons are
detailed in Table 4.11.
Table 4.11: Distribution of Uninsured Households by Reasons for No Member Being Insured (Percentage)
Reasons
34
Rural
Urban
Not so important
24.1
25.6
Total
25.0
Too expensive
54.9
57.1
56.2
Limited range of products
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
Inappropriate/inadequate distribution strategies
2.8
2.6
2.7
No confidence and trust in insurance
9.0
7.1
7.9
Inadequate value on maturity
3.4
5.6
4.7
Any other
8.7
8.2
8.4
All
100.0
100.0
100.0
Number of uninsured households
3,237
4,774
8,011
Hence, not much ruralurban difference is

noticed in the reasons for not taking insurance
policies. Since approximately one-fourth of the
households in both rural and urban areas do not
think insurance is very important, they took no
insurance cover. Financial constraints seem to
be the most important reason for not opting for
insurance, as 56 per cent stated too expensive
as a reason. Approximately 30 per cent of the
households expressed unhappiness with the
range of products.
There are variations across the states and
union territories in the reasons cited for not
opting for insurance (Tables S4.11a to S4.11c).
For instance, insurance is considered not so
important by a fairly high percentage of
households in Punjab (59%) and Goa (66%),
while the limited range of products is important
in Haryana (61.5%) and Rajasthan (64.8%).
However, too expensive is the reason
mentioned by a majority of households in most
states with the exception of some north-eastern
states, namely Meghalaya (29.6%), Mizoram
(8.4%) and Tripura (20.0%) and also Delhi
(32.0%) and Andhra Pradesh (36.0%).
4.11 Perception on Financial Risks

that Households could Face
The uninsured households were asked to give
their views on the type of financial risks their
household could face. Their responses are
tabulated below.
Table 4.12 shows that though these

households have not taken life insurance, they
realise the risk of losing an earning member
as more than 30 per cent of the households
have mentioned it. A similar proportion of
households also think that high cost of
hospitalisation is another risk. There is hardly
any ruralurban difference in the percentages
mentioning these two risks as also the risk of
fire/theft/burglary. However, losing a job
seems to be a greater worry among the urban
households.
4.12 Linking Insurance with Credit

The uninsured households were asked whether
they would go in for insurance if insurance is
linked to credit. In other words, would they take
an insurance policy if credit facility is available
along with the insurance cover?
As seen from Table 4.13, (i) even with

such an option available, only one-third
clearly say 'yes' to taking an insurance policy;
(ii) approximately 40 per cent are indecisive;
(iii) only 27 per cent think insurance will help
in getting credit, if their policy is linked to a
credit facility; (iv) more than half are not sure
whether insurance would help; (v) more than
one-fifth feel insurance will not help in such
an eventuality; and (vi) there is hardly any
ruralurban difference in the views of the
households.
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
Loss of main earner
30.2
31.5
31.0
Loss of job
22.4
30.7
27.3
High cost of hospitalisation
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
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
Percentage of households preferring insurance if linked to credit
Percentage of households thinking insurance would help in such an eventuality

Yes
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
Insurance agents are a major source of

information on insurance in rural as well as
urban areas. In addition, friends and relatives
and the media, especially the visual media,
are also important. Agents seem to play an
important role not only as a source of
information, but also in influencing the
households decision to take an insurance
policy. This is the pattern in both rural and
urban areas.
The reasons given by the uninsured
households for not taking an insurance policy
include 'too expensive' and 'availability of
only limited range of products'. Since agents
seem to have a great deal of influence on the
households, they can educate the public about
the range of available products and options to
suit different income levels.
Interestingly, there is hardly any rural
urban difference in the responses to most of the
questions. Since both rural and urban
households are dependent mostly on the agents
and the media, especially the visual media, it is
possible that they get similar messages.
Awareness Level of Insured

Households about Various
Aspects of Insurance
The most important objective of the present
pre-launch household survey is to assess the

level of awareness of people about various
aspects of insurance. The survey of the insured
households attempts to find out
the
respondents views on the concept of insurance
and its relevance, whether they had heard about
the various types of insurance, their major
sources of information and to assess: (i)
knowledge of rights and duties and various
types of disagreements or disputes that could
arise with the insurance company; (ii)
awareness of the type of grievance and dispute
resolution mechanisms that are available; and
(iii) views on the procedures involved in taking
a policy and in settlement of claims.
The results of the survey were intended to
help in assessing the level of awareness of
people in the rural and urban areas of various
states.
5.1 Awareness of Life and Health

Insurance Policies
While almost all sampled households in the
insured category had heard about life insurance
policy, only 62 per cent among the uninsured
households knew of it. The level of awareness is
lower among rural uninsured households
(56.5%) as compared with urban uninsured
households (66%). Among uninsured
households the level of awareness is fairly good
in Orissa (90%), Kerala (90%), Sikkim (96.0%),
Tripura (92.0%), West Bengal (95.8%), Goa
(94.0%) and Tamil Nadu (84.9%), as seen in
Table S4.8.
As far as health insurance is concerned, the
level of awareness is quite low since only 54 per

cent of the households have heard about it. The
percentage is higher at 56 per cent in the case of
urban households as compared with 51 per cent
for rural households. The level of awareness is
fairly high in Uttarakhand (77%), Mizoram
(83.8%) and Andhra Pradesh (83%). In
Haryana, Himachal Pradesh, Rajasthan, Bihar,
Sikkim and Karnataka less than one-third of
the surveyed households had heard about
health insurance (Table S4.9).
5.2 Provision of Nomination Facility

During the survey of insured households, the
respondents were asked whether they were
aware of the provision for a nomination facility
when opting for an insurance policy. A fairly
high percentage (85.4%) of the households
were aware of such a provision; this percentage
is higher (88%) for urban households as
compared with their rural counterparts (82%)
as seen in Table S5.1. Not much variation in the
level of knowledge is seen across the states with
the exception of certain states in the northern
region. Knowledge of the nomination facility is
lower among the households in Delhi (70%),
Madhya Pradesh (66.9%), Punjab (76.5%),
Uttar Pradesh (77.6%) and Uttarakhand
(61.9%) as compared with the rest of the states.
5.3 Views on Mandatory Paper Work

Those who already have an insurance policy
were asked to express their views on the
mandatory paper work required when taking an
insurance policy and making a claim settlement.

Nearly two-thirds of the households felt that the
paper work required for taking a policy was
simple. Among the rural households, 65 per
cent felt that the paper work was simple, but
within the urban households a marginally higher
percentage (69%) of households had the same
feeling (Table 5.1). The reason for thinking that
the paper work is
have not had an occasion to make a claim

settlement.
5.4 Knowledge about Rights

and Duties
It is worth analysing whether policy holders
know their rights and duties. As high as 77 per
cent of the households (approximately threefourths of rural households and 79 per cent of
their urban counterparts) claim that they know
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
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
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
(a) at the time of taking the policy

Yes
(b) at the time of settlement

Yes
simple could be because of the assistance

provided by agents. With the exception of the
southern region, there are wide variations
across states. For instance, in Madhya
Pradesh (27%), Uttar Pradesh (13.5%),
Uttarakhand (2.8%), Goa (36%), Gujarat
(33%) and Maharashtra (20.6%), a much
smaller proportion of households feel that the
paper work for taking an insurance policy is
simple (Table S5.2a).
Thus, as compared with the mandatory
paper work required for taking an insurance
policy, the households feel that the paper work
required for a claim settlement is more
complicated and only 43 per cent of the
households (40 per cent in rural and 47 per cent
in urban) find the paper work for claim
settlement simple (Table S5.2b). Nearly 40 per
cent of the rural and one-third of the urban
households had nothing to say about this matter.
This could be because such households
38
their rights as policy holders. While in the

southern and the western regions, this
percentage is fairly high, it is low in some states
in the northern and eastern region (Table S5.3),
for example Delhi (50%), Himachal Pradesh
(56%), Uttar Pradesh (58%), Sikkim (29 %) and
West Bengal (50%). Although a fairly high
percentage claim that they know their rights,
when asked about specific rights, the responses
were quite vague. While more than 40 per cent
know about their right to change the mode of
premium, and change the nominee, only a small
percentage of households seem to know about
their right to know about the lock-in period and
the surrender value of a policy.
Compared with the knowledge about

their rights, the households knowledge about
their duties seems better. Approximately 88
per cent of the households (87 per cent in
rural and 89 per cent in urban areas) claimed
that they know their duties (Table S5.4).
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
Change of mode of premium
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
Providing correct and factual information
23.70
27.47
37.87
44.05
41.12
Depositing premium in time
86.29
89.53
87.79
88.85
88.55
Informing insurance company of loss of policy
18.84
16.59
22.77
28.89
26.32
Informing insurance company of policy maturity
11.55
22.73
21.76
23.54
22.87
At the time of claim settlement
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
Households knowing different rights
Whether households know their duties
Households who know different duties
Number of insured households
Not much variation is seen across the

states in this percentage. In almost all the
states, a high percentage of households
seemed to know that it is their duty to deposit
the premium on time. Approximately 40 per
cent realise that it is their duty to provide the
correct address and factual information.
The level of education of the households
seems to be an important factor in enhancing the
level of awareness about the rights and duties of
policy holders. The confidence that comes with
knowing the rights and duties increases with the
rise in the educational level. Moreover, the
percentage of households which are not sure
about their knowledge of the rights and duties
declines with increases in the level of education.
5.5. Knowledge about Changing

Mode of Premium and
Cancellation of Policy
The insured households were asked what they
would do if they were not satisfied with the
mode of payment of the premium. In almost all
the states, most households indicated they
would consult their agents (52%), though a
sizeable proportion (17%) might approach the
company (Table S5.5). This shows the
households dependence on the agents. More
than half the households in both rural and urban
areas knew that their policies could be cancelled
if the premium was not paid. This reason for the
cancellation of policy was provided by a large
proportion of households in
Orissa (72%) and Gujarat (71%) (Table S5.6).

Most rural as well as urban households did
not know anything about the various
assignments in the policy. This is the case in
most of the states with the exception of some
southern states, for example Andhra Pradesh,
Kerala and Tamil Nadu (Table S5.7).
(Table 5.3). Fifty-four per cent of the

households with an education level of higher
secondary school and above were aware that
their policies could be cancelled for nonpayment of premium. Only 40 per cent of
those with no educated member had any such
knowledge. Although, overall, knowledge
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
8.31
9.51
12.50
All
What households would do if not satisfied with the mode of premium

Change mode of payment
7.35
11.30
Stop depositing the premium
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
Terms and conditions not acceptable
8.21
11.26
13.29
14.71
14.01
Forced by agent
12.56
8.66
7.29
6.58
6.98
Unable to pay premium
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
Household's knowledge about when a policy can be cancelled

Within first 15 days
Knowledge about various assignments in the policy
Others
Don't know
From the table, it is seen that with the rise in

the level of education, the households dependence
on the agents comes down from more than 62 per
cent among illiterates to approximately 50 per cent
among those with the highest level of education.
Moreover, the percentage of people who would
approach a company if dissatisfied with the mode
of payment of premium increases from 6 per cent
to 20 per cent, as the level of education increases
40
1.44
2.31
2.51
3.34
3.01
77.03
73.17
65.97
56.07
60.29
210
1,387
6,588
13,979
22,164
about various assignments of the insured

policy is poor, the educated households are in
a somewhat better position on this. While as
high as 77 per cent of the households, where
there is no educated person, do not seem to
know anything about various assignments in
the policy, in the case of households with
highest level of education, the percentage not
knowing anything has worked out to be lower
at 56.
5.6 Knowledge Regarding

Settlement of Claims
The survey also ascertained whether policy
holders knew how and when their claims
could be settled. Approximately three-fourths
knew that their claims would be settled when
the policy matured and approximately 76 per
cent were aware that their claims would be
settled at the time of death of the insured
person (Table 5.4).
households responding to these two issues is

fairly high (Table S5.8).
This table shows that only a very small
percentage of households dont know except in
Haryana (12%), Himachal Pradesh (30%),
Assam (12%), Sikkim (13%) and Tripura (13%)
where the percentage was higher than 10.
Besides, approximately 72 per cent of the
households with an insurance policy knew that
they needed the policy bond for claim settlement,
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
Households' knowledge as to when claims of insurance get settled

On maturity
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
Loss due to damage
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
Households' knowledge about procedure involved in claims settlement

Policy bond
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
Knowledge about time taken for settlement of claims

Up to one month
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
More than one year
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
The proportion of households responding to

these queries increases with the rise in the level
of education of the households. Not much rural
urban difference is noticed in the pattern of
response and in most states the percentage of
while nearly two-thirds of the households were

aware that a death certificate was one of the
requirements for a claim settlement. It is possible
that such households have life insurance policies
in mind (Table 5.4). The percentage of
households providing responses to the two queries

go up as the level of education rises from illiterate
to higher secondary school and above. Compared
with rural households, a marginally higher
percentage of urban households have mentioned
these two procedures for claim settlement (Table
S5.9). Although in most states, only these two
procedures and requirements for claim settlement
are mentioned by a high proportion of households,
in Punjab and Andhra Pradesh, more than 50 per
cent of the households have mentioned the police
report as a requirement for claim settlement.
assured; and (vi) among the households with the

highest level of education, only 14 per cent
thought they would get the full sum assured.
The households do not seem to be aware

about how much time it would take for a claim
to be settled. In fact more than one-fifth said
they had no idea about the time taken for
settlement. This could be because most of such
households may not have had an occasion to go
in for settlement of claims (Table S5.10).
Table 5.5 shows that: (i) more than half the

respondents (57 per cent rural and 59 per cent
urban) gave non-payment of premium as a possible
cause for the policy lapsing and for losing the
insurance coverage (Table S5.13); (ii) though in
most states this percentage is high, in Chandigarh
(15%), Punjab (26.7%) and Uttarakhand (29.7%)
only a small percentage of the households have
mentioned non-payment of premium as a cause for
policy lapse; (iii) approxi-mately 60 per cent of
both rural and urban households feel that by
paying unpaid premium along with penalty, the
policy which had lapsed can be revived (Table
S5.14) and in most states the majority of
households have mentioned this as a possible way
of reviving a policy.
5.7 Households Knowledge

about Value of Policy if
Surrendered Before Maturity,
Penalty for Non-payment of
Premium, and Lapse of Policy
The policy holders knowledge about various
aspects of their policies was tested through a
series of questions. It was thereby evident that:
(i) policy holders have very poor knowledge
about the face value of their policies if
surrendered before maturity (Table S5.11); (ii)
there are variations in the responses across the
states; (iii) nearly 22 per cent of the rural
households and 19 per cent of the urban
households mentioned that they do not know
the answer; (iv) approximately 40 per cent of
the urban and 37 per cent of the rural
households feel that the surrender value would
be decided by the insurance company and the
percentage stating this answer increases with
the rise in the level of education (Table 5.5); (v)
approximately 20 per cent of the households
with no educated members were very optimistic
that they would get the full amount
The data also reveals that 60 per cent of

rural as well as urban households know that
there would be a penalty if the premium is
paid after the due date and another 24 per cent
(26% in urban and 22% rural) know that there
is a grace period and the penalty would be
charged only after a few days (Table S5.12)
and the percentage of these two answers
increases from the lowest to the highest
educational level (Table 5.5).
5.8 Awareness about Grievance

and Dispute Resolution
The knowledge of households about
grievance redressed mechanisms is assessed
through questions like: What are the
possibilities of having a dispute or
disagreement with the insurance company?
and What needs to be done in case of a
disagreement with the insurance company?
It was seen that in both rural and urban
areas, 4243 per cent of the households felt that
there could be disagreements or disputes
relating to premium payment, and 39 per cent
rural and 44 per cent urban households
mentioned claim settlement as a possible cause
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
Amount paid by policy holder
15.38
19.78
22.95
23.69
23.15
Surrender value as decided by the company
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
Yes
52.40
54.84
59.92
61.31
60.41
No penalty for a few days
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
49.53
54.91
60.31
57.88
Don't know
Knowledge about penalty if premium is paid after due date
Knowledge about reasons for loss of insurance coverage and policy lapse
Non-payment of premium
44.71
Change of address
14.42
11.91
11.17
11.08
11.19
Providing false information
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
Getting new policy bond
10.58
13.81
12.58
12.74
12.74
Paying unpaid premia with penalty
42.79
46.64
54.24
63.28
59.36
Paying unpaid premia and unpaid penalty
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
for disagreement or dispute (Table S5.15).The

percentage of households giving these two
reasons for disagreement increased with the
increase in the level of education (Table 5.6).
It was observed that: (i) a majority of
households (60 per cent rural and 54 per cent
urban) would approach the agent in case of any
disagreement or dispute (Table S5.16); (ii)
approximately 30 per cent would approach the
company; (iii) 6 per cent did not know what to
do and whom to approach; (iv) in most states, a
high percentage of the households would
approach the agent in case of disputes or

disagreement; (v) however, in Chandigarh,
Himachal Pradesh, Punjab, and Meghalaya, a
much smaller proportion of households, that
is less than one-third would approach the
agent; (vi) in Himachal Pradesh and Punjab,
more than 50 per cent of the households
would directly approach the company; and
(vii) the households dependence on agents
comes down with the rise in the level of
education, thus making it more likely that
they would approach the company directly.
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
Views on possible cause for dispute or differences with insurance company

Change of address
25.71
19.39
22.47
25.65
24.31
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
Knowledge about what needs to be done in case of disagreement

Approach agent
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
the agents for information about insurance

and for taking insurance policies. It is clear
from this chapter that even after taking a
policy, households expect help from the
agents. A significant proportion of the policy
holders said they would consult the agent if
they are not satisfied with the mode of
premium payment and would approach the
agent in cases of dispute or disagreement with
the insurance company. However, dependence
on agents comes down with the increase in
level of education. Households with no
education or with a lower level of education
are more dependent on agents. This brings out
the need to ensure that the agents are trained
thoroughly in all aspects of insurance, so that
they in turn can provide the right kind of
information to policy holders.
An important finding is that education plays
an important role in enhancing the knowledge of
people and in improving their confidence level
in dealing with the various stakeholders of
insurance. The educated households would
rather approach the insurance company directly
for a claim settlement or for grievance redressal
than go to agents.
Conclusion
A study of the insurance awareness campaign

in rural and urban areas across various states
in India was carried out to find out the
awareness levels in households insured for
life and those that are uninsured.
The study focused on awareness parameters
such as life insurance, health insurance and
general insurance, as well as the socio-economic
characteristics of insured and uninsured
households as defined in this study. The study
also examined insurance awareness with regard
to rights and duties and the grievance and
dispute resolution mechanism. It covered major
states and union territories in India and
attempted to bring out zonal, inter-state, and
insureduninsured comparisons of various
awareness parameters.
This study was through a survey conducted
using a nationally representative sample of
30,200 households in 29 states and union
territories. From each state and union territory,
five rural and five urban primary sample units
were selected. From each selected primary
sample unit, 20 households were selected for the
interview. The study of the insurance awareness
campaign in rural and urban areas obtained
fairly detailed information on the insurance
indicators. The major findings of the study are
described below.
India continues to be an under-insured state
compared to middle income countries such as
China, Brazil and the developed countries such
as United States of America and the United
Kingdom. Hence, both private and public sector
insurance companies are making
enormous efforts to create insurance awareness.

Since the insurance sector is still in a nascent
stage of development, the insurance industry in
India has witnessed negligible growth during the
past few years. Keeping this in view, the IRDA
launched an insurance awareness campaign with
the objective of developing and promoting
efficiency in the insurance sector. The campaign
aims at creating awareness about the need for
insurance amongst the general public as well as
policy holders who need to know about their
protection coverage, rights and duties about
insurable interest, assignment, nomination
needs, claim settlement, surrender value and
other terms and conditions of policies.
As regards the dispute resolution

mechanism, the IRDA intended to create a
strong interest in insurance and in particular,
the institution of an ombudsman, by
highlighting the significance of such an
institution amongst all stakeholders and target
segments. For regulating intermediaries like
agents and brokers, the IRDA intends to
enforce a minimum prescribed level of
qualifications, service levels and ethical
behaviour for the benefit of policy holders.
Chapter 2 of the study detailed the
methodology and survey design. Chapter 3
assessed the socio-economic profile of the
insured and uninsured population by various
socio-economic parameters like occupation,
caste, land, type of dwelling unit, ownership
of dwelling unit, type of family, availability of
electricity connection, type of ration card,
annual household income, age, literacy levels,

family size, and monthly consumption
expenditure.
The survey has examined the key socioeconomic characteristics of both insured and
uninsured households to understand their
awareness levels. Chapter 4 assessed the
perception of households on insurance as a
concept and its benefits. Chapter 5 analysed
the awareness levels of the insured population
regarding their rights as a policy holder,
different types of insurance and levels of
protection available from various types of
insurance etc. The chapter also assessed the
awareness levels of the uninsured regarding
the need for insurance, types of insurance
available, insurance interest, benefits of
insurance, and benefits of Unit Linked
Insurance Plan (ULIP) investment.
An analysis based on socio-economic
parameters enables an understanding of the
categories of people which are insured and
aware of insurance. If not insured, the impact of
financial loss can be disastrous for the
economically poor people. Thus, the
government needs to create appropriate
awareness and take necessary steps to protect
the poor households. Also, poor people cannot
access improved health and educational
facilities and this makes them more vulnerable.
6.1 Socio-economic Profile of the

Insured and Uninsured Households
The results of the study suggest that a higher
proportion of insured households are both
salaried and regular wage earners or are selfemployed. In contrast, the proportion of
labourers is greater among the uninsured
households.
The study also revealed that average annual
income, expenditure and savings of insured
households are significantly higher than that of
their uninsured counterparts. As expected, the
urban households were found to be better off
than the rural households. With regard to
indicators like ownership of land, house and

electricity connection, it was observed that
insured households are economically better
off than the uninsured. Non-regular income
coupled with low economic level could be a
deterrent for the uninsured households
availing of insurance.
Education is the driving force for the
households insurance awareness level. The
results indicate that a larger proportion of
insured households posses a high education
level. On the other hand, the proportion of
illiterate and those educated up to primary
school are higher among the uninsured
households.
It is a common belief that joint families
have the support of other family members.
Therefore, they are not so inclined to avail of
insurance. However, the data indicates that a
high proportion of uninsured households
belong to nuclear families, implying that the
type of family does not have any correlation
with opting for insurance.
Looking at the source of information for
households, it was found that television is the
primary source for both insured and uninsured
households. Other sources of information are
friends, relatives and neighbours, news
papers, radios, and transistors.
The survey results illustrate that very few
households without life insurance possess
motor insurance. On the other hand, a higher
proportion of insured households have availed
of motor insurance, health insurance, tractor
insurance, livestock insurance, accident
insurance and crop insurance.
The results suggest that the number of
household members, irrespective of being rural
or urban and availing of government insurance
policies, is significantly higher than private
insurance policies, for both life and general
types. Another revealing fact is that penetration
of health insurance is quite limited. There is
evidence to suggest that among rural
households, the proportion of members
46
availing of life insurance does not depend on

the income group. However, among urban
households,
those
availing
insurance
increases with the rise in the level of income
for both government and private insurance
policy holders.
With regard to gender, the proportion of
male members availing of insurance is
significantly higher than females, both rural and
urban, for all types of insurances. However, the
ratio of females availing of insurance is higher
in urban households as compared to rural
households for all categories. The data indicates
that a higher proportion of males have health
insurance.The gender gap among health
insurance holders is relatively low compared
with the gender gap among life insurance
holders.
The data indicates that both the average
annual premium and the average annual value of
life insurance increase with an increase in the
level of household income. As compared to the
life insurance policy taken by the households
from LIC, i.e. the government sector, the
average value of life insurance policy and hence
the amount of premium have worked out to be
higher for private life insurance. With respect to
the cushion for possible economic risks, one out
of two uninsured households are willing to
contribute some money. The average amount
which the uninsured households are willing to
contribute for possible economic risks has
worked out to be equivalent to the insurance
premium that the insured sample households are
paying for government life insurance cover.
This indicates that it is possible to motivate the
uninsured households to avail of insurance by
creating better awareness about various
insurance plans and the benefits from them.
6.2 Insurance Awareness of Insured

and Uninsured Households
As expected, many households do not
understand the concept of insurance. However,
insured households do understand the
insurance concept better than the uninsured.

The results show that a high proportion of
households connect insurance with loss of
life. This may be due to the fact that they are
unaware about other types of insurance covers
available in the market.
With respect to other insurance
indicators, a significant proportion of
uninsured households could not respond at
all, being unable to estimate the extent to
which an insurance cover is required to
adequately compensate for their losses. This
indicates their lack of knowledge and interest.
It has also been observed that in addition
to lack of knowledge about insurance there
are certain misconceptions about insurance,
for example insurance prevents certain
events, or prevents damage to assets. The
misconceptions are more prevalent among the
uninsured households.
With respect to major sources of
information on insurance, the study indicates
that insurance agents are the major source in
both rural and urban areas, playing an
important role in influencing the households
decision in favour of insurance. Other
important sources of information are friends,
relatives and the media.
The findings suggest that the reasons
provided by the uninsured households for not
availing of insurance include responses such as
too expensive and availability of limited
insurance products. Thus, the insurance agents
need to educate people about various insurance
products and the suitability of insurance
products to various strata of society.
The study has also revealed that there is
hardly any ruralurban differential for most
of the indicators on insurance. The plausible
explanation for this is that both rural and
urban households are dependent mostly on
agents and the media, and therefore receive
similar messages on insurance, resulting in
similar outcomes on insurance awareness.
The results further indicate that as far as
life insurance is concerned, even among

uninsured households the level of awareness
is fairly good. However, with regard to health
insurance the awareness level is relatively
lower than that for life insurance. It has also
been observed that most people link
insurance with death. The results show that a
significant percentage of people have heard
of life and health insurance, but there is still a
lack of knowledge about various aspects of
insurance even among the policy holders. The
majority of insured households are aware of
insurance claim procedures, yet they are
neither aware of the time taken for an
insurance claim settlement nor the
surrendered value of a policy before maturity.
The results suggest that a significant
percentage of households are aware of the
nomination facility. Interestingly, more
people are aware of their duties as compared
with their rights as policy holders. The most
important duty indicated by the households is
reported as duty to pay premium and the
most important right reported by households
is right to pay the premium.
The study has revealed that usually people
are dependent on insurance agents for basic
information about insurance and also for taking
insurance
policies.
Consequently,
the
households expect all sorts of facilitation from
the agents. A significant proportion of policy
holders have reported that they would consult
the agent if not satisfied with the mode of
premium payment and for any dispute with the
insurance company. However, the dependence
on agents declines with the increase in level of
education of the households. It has been
observed that dependence on agents is more
among the households with no education or less
education. Thus, there is an emerging need to
ensure rigorous training of agents to enable
them to provide accurate information to the
policy holders.
The study concludes that education plays
a significant role in enhancing the insurance
knowledge base of the people and also in

furthering their confidence level in dealing
with various insurance stakeholders. The
results have established that educated
households prefer to approach the insurance
company directly for any grievance redressal
and claim settlement rather than approach the
agents.
6.3 Policy Recommendations

The research findings have brought out the fact
that people are not able to clearly comprehend
the extent of coverage being offered under
particular insurance plans, resulting in low
insurance penetration and this has varied
economic and sociological explanations such as:
(i) low propensity for life insurance whereby
one-fourth of the households did not consider
life insurance as important; (ii) affordability, due
to which 56.2 per cent of the uninsured
households indicated that insurance is too
expensive; (iii) availability and range of
insurance products, wherein 29.0 per cent of
uninsured households felt there is a limited
range of insurance products and services; (iv)
nearly 10.0 per cent of the households felt that
insurance services are poor; and (v) the major
determining factor being lack of awareness of
life insurance across both rural and urban parts
of the country, even though a third of the
uninsured households agreed to opt for
insurance if it is linked to a credit facility.
The findings of the survey show that 42.0 per
cent of the insured households feel that they
perceive benefits of insurance as risk coverage.
Nearly one-third of the households indicated that
they are willing to go in for insurance if it is
customised to their needs. However, during any
crisis, households are forced to take stock of their
ability to handle longer-term social protection. It is
important that households are prepared in advance
and do not have to consider various options when
actual crises face them. Hence it is important for
them to know about the benefits of insurance for
gains and
48
opportunities and the insurance companies or

the regulatory authority need to step up efforts
to improve the awareness levels across the
country. The process through which
awareness could be improved would require
sustained effort from the authorities.
The study has noted that improving
insurance awareness requires both structuring
and enhancing the penetration of an appropriate
awareness creation campaign with a regional
and spatial focus. Such a campaign needs to be
supported by stronger information infrastructure
for the efficient functioning of the insurance
markets. As argued in this report, fostering
insurance awareness among rural households is
more vital in this effort as there is a large gap
between rural and urban awareness levels. Also,
the insurance packages need to be different and
made attractive to the rural poor, keeping their
needs in perspective. This is because rural poor
households are more in need of social protection
but at the same time are less capable of paying
premia. However, it needs to be acknowledged
that a potential insurance market exists for the
poor as they have substantial requirements, and
a proper package would make insurance a viable
option for both the companies and poor
households. Currently, it is the middle class who
are in a position to get the benefit and are also
able to access insurance coverage.
Public policy has an important role to play.
We argue that the design of public policy needs
to be based on a clear understanding of the d i f
ferenttypesofsocio-economic
characteristics with a regional perspective. The
findings support the contention that insurance
demand from poor households can account for
as much as one-third of the total demand from
all households. In fact, 33 per cent of the
uninsured households have reported that they
would like to opt for insurance provided it is
linked to credit.
This suggests that public policy should

address insurance awareness needs of the
people who need insurance the most, namely

those who do not have other social security
covers. People naturally do not imbibe the
culture of insurance unless convinced about
the need for it or are compelled by law. Proinsurance messages need to reach directly to
consumers.
Launching
an
awareness
campaign through the mass media separately
targeting the rural and urban populations with
state-specific features could be an important
way of creating awareness at the grassroots
level to reach an untapped market.
In the context of policies aimed at
generating awareness, it is important to figure
out how to create such awareness across
households having varied socio-economic
characteristics. Nevertheless, the big gains
may well come from understanding how
public policy could help in creating
awareness in the states which generally have
households with poor insurance awareness.
The factors that may constrain the
awareness campaign include social dynamics
and attitude variations within states and
districts with differences in the levels of
education, income and ability to comprehend
social security and risk. At the same time,
market failures can lead to a shift towards
insurance. The challenge for public policy is
then twofold. First, it involves understanding
the needs from a state-specific perspective.
Second, it involves designing and launching
awareness campaign interventions that
effectively help households with diverse
socio-economic characteristics to fully
comprehend the benefits of insurance.
We have discussed various options for polic
ymakers in designing awareness campaigns and
also developing insurance packages and for this
it is critical to have close collaboration between
the private sector and g ov e r n m e n t . S u c h
a P u b l i c Pr i v a t e Partnership (PPP)
process would be able to reduce constraints
towards growth in the insurance sector. Also,
there is a need to
understand that the PPP process should not

support only the large and well-connected
insurance companies in the private sector. There
is also a need to include a package for the poor
and hence micro insurance is a necessity. It is
essential that awareness creation interventions
be undertaken targeting the 2030 year age
group with rigorous monitoring
and impact evaluation. Such a process would

greatly help in designing policies and
programmes that encourage greater dynamism
among insurance companies, and thereby
offer better prospects for the people.
Insurance needs to take its pride of place in
the lives of the people.
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.
Annexure: State Tables
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
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
0.0
0.0
0.0
7.0
6.5
3.4
8.1
7.0
0.0
2.5
6.8
1.3
1.3
1.3
3.4
4.6
0.0
2.5
5.3
4.1
4.4
0.3
3.2
3.1
3.4
1.7
0.5
Casual labour
35.7
13.1
11.3
11.5
9.3
7.0
10.4
4.2
5.0
12.5
10.0
5.4
11.3
12.5
11.3
9.4
0.0
10.5
11.5
7.2
9.5
8.6
6.5
9.3
9.9
24.3
26.3
23.7
21.4
25.9
23.8
24.8
25.2
25.0
25.0
25.0
24.7
25.0
25.0
25.2
25.2
25.0
26.5
22.5
25.6
24.7
25.3
25.4
25.0
25.0
25.3
23.1
25.0
25.0
24.7
95.5
47.4
31.6
0.0
24.3
26.0
25.0
24.7
26.7
0.0
0.0
0.0
0.4
0.0
0.1
0.2
0.2
0.0
0.0
0.2
1.6
0.0
0.0
Rural Sub-total
47.1
53.3
53.4
52.3
44.8
49.2
47.8
53.3
53.3
53.3
50.6
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
0.2
0.0
0.7
1.8
0.6
0.8
3.6
1.8
0.0
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
0.0
0.0
0.4
1.0
0.4
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
Agriculture labour
MadhyaPradesh
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
14.3
15.7
14.6
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
Casual labour
HimachalPradesh
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
non-agric ulture Self- employed in
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
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
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
Others
Delhi
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
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
Urban Sub-total
9.5
10.5
15.0
11.9
11.5
9.7
8.2
14.8
12.5
9.4
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
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
Agriculture labour
Haryana
3.6
2.9
0.0
0.8
3.2
3.4
4.6
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
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
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
All(Rural+Urban)
Casual labour
Chandigarh
36.3
36.1
12.5
5.6
37.4
Urban
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
Others
AllIndia
NorthernRegion
State/UT
Rural
TableS3.1a:DistributionofHouseholdsbyTheirLevelofOccupation (Insured)(Percentage)
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
non-agriculture Self-emplo yed in
Others
Agriculture labour
TableS3.1b: Distribution
56
agriculture
Self-employed in
Householdsb
y
Casual labour
5.1
11.7
9.6
22.4
10.031.7
16.727.5
0.031.9
Agriculture
7.148.5
labour
Haryana21.2
non-agriculture
46.9
Self-employed in
3.115.6
10.91.4
12.04.6
7.10.0
18.82.2
10.10.6
50.00.0
4.30.0
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
11.228.2
12.129.7
9.312.0
15.126.0
11.933.8
17.518.8
8.245.9
19.916.0
7.69.5
12.560.0
0.065.0
5.045.0
2.542.5
17.416.5
5.05.0
20.050.0
16.413.6
19.516.4
8.127.1
14.714.7
17.314.4
0.034.2
0.010.0
0.047.1
Sikkim5.0
Tripura25.0
Gujarat45.0
Maharashtra56.0
TamilNadu34.3
Pondicherry20.0
Kerala27.9
Karnataka50.4
AndhraPradesh30.4
36.5SouthernRegion
Goa5.0
Daman&Diu5.0
Western45.4Region
WestBengal17.5
Orissa18.8
Mizoram67.7
Meghalaya32.6
Jharkhand19.4
Chhattisgarh46.3
Bihar30.9
Assam22.6
ArunachalPradesh40.7
32.8EasternRegion
Uttarakhandl36.0
15.20.0
10.10.7
15.70.0
12.10.2
5.00.0
12.13.6
0.05.0
55.00.0
10.61.8
7.51.3
0.00.0
15.05.0
3.80.0
12.50.0
11.00.0
13.74.1
10.30.0
11.30.0
8.10.0
11.3
UttarPradesh45.0
Rajasthan40.0
10.0
19.00.0
8.30.4
15.01.7
18.20.0
28.13.1
35.00.0
7.533.1
salaried
3.830.0
Punjab26.7
M adhyaPradesh37.5
HimachalPradesh30.0
Regular wages
Others
0.030.0
labour
Delhi3.1
34.10.70.
4
040.00.00.
39.70.00.
0
42.51.60.
5
032.82.41.
37.01.20.
5
334.66.02.
40.01.90.
5
040.00.00.
40.00.00.
0
437.33.91.
30.80.01.
1
040.00.00.
40.00.00.
0
340.02.51.
55.43.90.
0
58.818.110.2
39.82.00.
7
740.02.51.
40.33.41.
4
644.07.01.
55.427.93.5
044.35.52.
39.84.10.
9
039.90.80.
40.02.11.7
043.64.70.
40.12.00.
8
40.02.21.
1
039.80.70.
19.50.80.
0
040.00.00.
Casual labour
Chandigarh10.0
52.2
43.3
29.4
27.1
8.1
31.5
24.6
26.7
26.7
3.5
24.4
50.0
46.7
53.3
non-agriculture
27.0
33.3
40.3
35.1
38.8
34.1
32.6
37.1
20.0
44.8
34.2
19.6
23.3
30.3
35.6
49.8
32.7
33.6
32.9
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
salaried
732.
931.
020.
716.
032.
131.
531.
325.
833.
526.
039.
432.
431.
940.
738.
328.
043.
918.
933.
415.
040.
333.
837.
0.0
0.0
0.0
0.0
0.0
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
Others
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
65.9
60.0
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
Urban Sub-total
40.82.50.
7
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
240.43.51.
Self-employed in
11.60.9
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
labour
12.40.3
Urban
Agriculture
9.430.8
(Uninsured)(Percentage)
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
33.7NorthernRegion
Occupatio
n
All
(Rural+Urban)
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
non-agriculture
35.0AllIndia
of
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
salaried
11.128.3
lRura
TheirLeve
l
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
Others
13.1
13.6
25.0
State/UT
of
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
Regular wages
Self-employed in
Regular wages
Self-employed in
Agriculture
Self-employed in
agriculture
Rural Sub-total
Agriculture labour
3.00
4.00
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
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
0.00
0.00
0.00
9.00
8.20
4.34
10.38
8.86
8.94
1.50
2.00
1.00
5.25
7.22
18.00
3.61
7.75
5.70
7.00
19.89
11.00
16.00
10.29
8.60
13.71
6.63
6.71
20.00
9.00
7.59
17.50
19.00
22.00
19.50
8.33
15.50
18.27
9.50
14.40
12.83
7.25
22.32
25.00
23.50
18.57
25.60
22.22
20.50
22.00
24.00
26.00
21.65
25.50
25.00
22.00
21.13
3.89
12.50
24.70
21.00
22.20
21.03
30.00
24.25
20.00
23.60
22.18
21.25
22.71
20.00
31.00
22.35
20.00
20.00
23.00
20.50
20.56
21.50
22.38
28.25
25.33
22.30
22.00
20.88
21.65
21.50
24.67
14.79
0.00
0.00
0.00
0.43
0.00
0.13
0.13
0.86
1.00
0.00
0.47
1.50
0.00
1.00
0.9
2.25
2.17
0.30
0.25
0.00
3.00
0.56
0.25
43.75
50.00
50.00
50.00
41.67
46.15
44.44
50.00
50.00
50.00
47.22
48.85
50.00
50.00
50.00
50.00
50.00
50.00
47.37
50.00
50.00
50.00
40.00
0.33
0.00
0.50
1.71
0.11
0.00
0.00
0.43
25.67
24.00
19.26
11.57
18.14
19.05
1.00
0.39
1.14
0.89
4.30
16.66
9.09
19.00
18.34
16.00
1.11
2.02
0.00
0.29
1.70
2.95
0.00
0.00
1.86
21.75
11.28
15.72
21.64
20.50
22.09
12.00
16.00
32.25
26.00
28.00
24.83
1.06
1.25
1.34
1.00
1.00
0.80
6.50
0.00
0.75
0.00
0.00
0.33
20.56
21.43
18.00
21.00
19.60
18.33
23.50
22.40
19.25
20.75
22.22
3.99
18.55
5.18
2.61
1.75
1.41
12.50
2.50
2.38
0.00
0.00
0.17
0.72
0.46
0.00
0.00
0.00
0.33
0.67
0.20
0.63
0.25
0.67
39.91
40.71
40.00
41.10
42.00
38.44
38.22
43.43
36.00
39.97
36.70
36.48
30.58
36.96
40.68
37.50
41.57
20.50
23.00
33.00
42.00
37.00
41.50
37.94
38.13
34.00
34.70
38.60
38.33
38.83
35.40
38.88
37.50
39.11
3.50
2.71
2.43
0.00
0.91
1.20
1.67
1.67
3.00
1.88
0.50
4.44
39.51
45.43
39.71
39.35
34.00
35.44
40.33
45.45
44.00
38.68
40.60
35.34
31.83
37.63
33.77
39.00
33.94
47.50
57.50
31.63
32.00
35.00
30.83
37.44
37.26
48.00
42.69
40.40
40.67
34.83
39.00
39.00
41.00
33.44
0.04
0.14
0.00
0.00
0.00
0.00
0.74
0.00
1.00
0.86
0.70
1.39
6.52
3.18
0.30
0.25
0.20
1.00
1.00
0.00
0.00
0.00
2.33
0.64
0.28
0.00
0.68
0.20
0.67
0.50
0.00
0.38
0.00
0.11
53.85
58.33
50.00
50.00
50.00
56.25
52.78
50.00
50.00
50.00
55.56
51.15
50.00
50.00
50.00
50.00
50.00
50.00
52.63
50.00
50.00
50.00
60.00
51.83
49.48
50.00
73.33
50.00
50.17
50.00
50.00
50.00
50.00
50.00
17.76
14.83
21.71
18.40
17.00
16.26
19.99
15.58
15.50
20.39
20.67
18.98
27.91
16.61
18.87
20.63
16.97
21.00
29.47
17.88
15.50
17.00
13.70
18.75
18.61
6.00
2.01
17.70
18.06
19.79
18.30
20.56
20.00
20.53
2.21
4.00
4.71
0.00
0.00
0.06
4.81
2.51
2.00
4.58
5.56
3.28
2.38
4.17
3.35
4.38
2.21
12.25
3.42
3.00
0.50
1.00
0.80
2.89
2.3
0.00
0.34
2.00
2.51
3.83
0.30
1.75
1.88
2.67
16.7
10.33
14.21
17.52
17.50
23.14
12.37
9.05
19.50
12.52
11.83
18.35
9.26
14.27
18.02
15.00
20.18
13.75
12.37
25.88
24.00
23.50
21.90
17.26
18.12
18.00
18.79
19.20
16.22
17.79
20.60
17.94
17.13
17.86
31.74
34.42
29.29
32.29
33.50
31.39
30.39
34.67
30.00
30.97
29.50
29.23
26.03
30.80
31.43
29.25
33.13
16.50
13.95
27.06
32.00
31.00
35.10
30.30
30.5
31.50
36.41
27.80
30.10
30.25
29.30
30.00
29.50
31.22
5.6
4.67
3.50
2.88
34.56
HimachalPradesh
Casual labour
Delhi
Others
Haryana
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
Agriculture labour
0.47
0.28
0.00
1.90
0.20
1.68
0.17
1.00
0.00
0.00
0.00
Casual labour
22.50
22.78
41.00
37.97
25.80
23.15
21.17
23.00
20.13
22.00
21.89
Others
22.08
22.5
29.00
41.14
17.00
21.81
21.67
23.20
21.13
21.50
23.33
Urban Sub-total
13.71
14.65
18.00
12.66
18.80
14.09
12.08
18.80
16.63
13.50
13.50
Agriculture labour
5.24
4.22
0.00
1.27
4.00
4.70
7.00
0.40
All(Rural+Urban)
Casual labour
Chandigarh
35.99
35.58
12.00
5.06
34.20
Urban
31.51
36.33
29.86
31.79
32.00
29.14
31.83
38.19
32.00
30.69
32.00
29
30.04
31.47
28.03
30.50
27.41
34.50
40.00
26.06
27.50
27.50
26.50
30.24
30.19
44.50
41.44
33.10
31.94
28.00
31.00
29.56
31.50
27.67
0.08
0.08
0.21
0.00
0.00
0.00
0.61
0.00
1.00
0.86
0.44
1.15
4.38
2.67
0.30
0.25
0.10
2.00
0.79
0.13
0.50
0.00
2.00
0.56
0.28
0.00
1.01
0.20
1.17
0.33
0.50
0.19
0.00
0.06
Others
AllIndia
NorthernRegion
State/UT
Rural
TableS3.1c:DistributionofHouseholdsbyTheirLevelofOccupation(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

4.84
6.09
17.59
4.99
0.31
0.99
0.00
0.88
2.13
0.31
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
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
2.32
3.75
0.93
4.46
5.00
0.00
4.41
10.94
0.00
30.00
7.67
0.00
15.79
7.23
10.63
9.39
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
35.66
31.58
4.55
45.23
35.00
30.31
35.43
32.19
20.26
30.79
40.00
0.76
UttarPradesh
Punjab
2.81
8.09
8.22
0.88
2.34
Rajasthan
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
Chandigarh
64.64
62.50
84.74
67.20
44.72
64.53
63.65
55.86
52.63
95.45
46.48
35.00
58.75
40.00
58.93
62.50
28.75
57.32
66.56
55.49
59.59
77.97
57.70
49.06
57.06
54.56
35.00
62.50
65.34
65.55
36.04
59.64
42.34
63.87
Secondary HigherSecondary
andAbove
33.66
34.03
52.50
31.25
30.42
31.09
39.38
32.81
40.16
29.61
1.41
1.94
0.00
0.00
0.50
0.42
6.15
0.00
AllIndia
NorthernRegion
Upto
Insured
7.87
9.47
12.50
6.25
3.74
2.94
18.44
7.55
15.16
5.76
Illiterate
UptoPrimary
LevelofEducation(Rural)
State/UT
TableS3.1d:DistributionofHouseholds byTheirHighest
5.00
2.08
0.00
1.44
0.00
5.00
10.10
0.00
0.00
1.88
5.00
0.00
0.00
5.60
0.00
5.00
7.14
5.03
6.25
2.71
1.85
0.68
6.97
3.75
4.20
6.27
0.00
0.00
4.04
3.33
14.58
6.03
6.25
2.79
Illiterate
Up
11.67
28.43
10.07
1.27
15.00
6.43
21.21
22.10
13.92
23.75
30.00
0.00
32.50
12.09
0.00
10.00
17.14
9.43
10.00
18.91
20.37
8.90
17.91
16.25
17.17
5.00
25.42
14.66
23.13
11.17
16.10
16.05
10.00
6.25
Upto
Uninsured
toPrimary
35.83
42.16
29.50
31.65
35.00
40.00
44.44
45.30
41.14
60.63
45.00
60.00
45.00
40.71
50.00
50.00
34.29
44.03
42.50
45.65
52.78
41.10
36.32
46.25
42.42
36.67
41.25
36.21
39.38
35.75
41.21
38.80
45.00
40.63
50.42
29.41
58.99
67.09
45.00
48.57
24.24
32.60
44.94
13.75
20.00
40.00
22.50
41.59
50.00
35.00
41.43
41.51
41.25
32.72
25.00
49.32
38.81
33.75
36.36
55.00
18.75
43.10
31.25
50.28
38.49
38.88
45.00
53.13
andAbove

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
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WestRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
Assam
ArunachalPradesh
EastRegion
Uttarakhand
UttarPradesh
Rajasthan
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
Illiterate
AllIndia
NorthRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
State/UT
TableS3.1e:DistributionofHouseholds byTheirHighest
1.90
0.00
0.36
0.98
3.46
1.77
1.00
3.67
0.00
2.86
2.03
8.10
1.43
8.57
4.58
6.43
8.57
10.06
2.86
1.43
7.97
6.00
6.61
6.82
3.94
4.93
3.83
0.00
8.40
9.29
3.43
0.00
0.00
2.50
UptoPrimary
22.86
15.71
16.07
21.48
34.62
24.21
25.62
26.34
47.14
26.62
20.29
21.43
26.87
29.71
30.18
26.25
19.00
26.14
25.88
13.77
25.21
23.21
29.14
5.48
15.07
34.82
32.86
21.43
33.10
24.15
20.00
34.29
28.37
20.60
74.76
69.33
66.64
42.86
61.36
76.29
77.14
64.68
64.00
62.86
66.22
77.06
68.54
70.29
86.23
65.38
67.50
66.00
94.52
84.93
62.50
58.57
77.14
58.81
73.59
77.14
65.71
67.35
78.40
73.52
61.30
76.76
83.57
84.29
Insured
UptoSecondary HigherSecondary
andAbove
LevelofEducation(Urban)
2.07
2.98
6.67
3.03
0.67
1.11
2.51
2.00
2.08
5.20
0.83
1.71
0.00
0.54
5.37
1.67
3.33
0.00
0.00
1.25
0.00
0.00
0.00
1.58
0.00
0.00
1.90
1.66
1.10
0.48
2.13
0.00
0.00
1.48
Illiterate
Up
11.75
14.70
16.67
12.88
12.67
8.89
20.33
12.67
18.33
13.57
6.61
15.94
16.09
4.30
20.47
19.17
11.33
12.60
3.15
23.75
33.33
3.33
22.22
3.15
6.67
6.67
3.81
1.99
3.18
4.31
2.66
1.67
0.00
3.70
Uninsured
toPrimary
Upto
37.63
35.36
40.00
37.12
28.00
37.78
35.10
36.00
34.58
37.92
29.75
45.14
56.32
29.57
39.26
34.17
42.00
43.31
43.31
56.67
46.67
56.67
60.56
36.25
30.00
36.67
41.90
32.89
29.13
44.02
27.66
18.33
6.67
25.93
48.54
46.96
36.67
46.97
58.67
52.22
42.06
49.33
45.00
43.31
62.81
37.21
27.59
65.59
34.90
45.00
43.33
44.09
53.54
18.33
20.00
40.00
17.22
59.02
63.33
56.67
52.38
63.46
66.59
51.20
67.55
80.00
93.33
68.89
andAbove
60
0.95
1.29
0.67
1.38
0.53
AllIndia
NorthernRegion
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
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
Haryana
Delhi
Chandigarh
Illiterate
State/UT
TableS3.1f:Distributionof HouseholdsbyTheir
2.10
2.00
0.67
3.08
9.79
3.89
2.84
4.10
2.68
1.33
3.24
9.32
0.67
20.00
5.25
0.00
3.26
5.46
10.00
8.93
0.46
5.96
8.01
10.67
8.94
3.33
2.23
13.55
6.81
11.17
6.25
3.34
6.53
6.26
UptoPrimary
26.39
24.67
14.98
23.58
36.00
25.98
25.45
33.52
51.68
29.33
30.27
39.59
32.00
34.00
40.37
30.34
50.00
27.98
25.70
26.56
33.54
31.34
35.50
28.04
25.04
30.86
28.97
17.17
28.18
32.17
32.62
10.87
12.63
70.00
72.67
84.19
71.76
53.88
69.10
71.34
62.00
45.64
60.35
38.67
61.70
70.44
70.98
49.42
61.72
51.92
64.96
71.45
61.91
65.07
81.91
61.29
57.67
60.59
85.87
87.37
53.96
46.00
67.33
50.68
66.16
69.33
UptoSecondary HigherSecondary
andAbove
29.72
63.07
Insured
HighestLevelofEducation(Rural+Urban)
2.68
2.00
0.00
4.27
4.00
2.44
2.01
2.00
7.35
3.76
3.75
4.24
2.99
2.16
1.03
0.60
6.01
2.50
6.02
0.00
0.00
1.50
2.00
0.00
0.00
3.08
0.00
2.00
4.00
2.83
1.46
0.32
1.83
2.93
Illiterate
Up
13.51
15.23
14.00
11.59
14.46
7.33
22.37
13.53
20.25
12.61
7.96
17.26
18.46
6.33
19.44
18.00
15.26
18.18
9.12
23.75
32.00
2.00
25.38
6.48
4.00
8.00
9.14
4.57
6.32
12.22
5.81
1.51
6.00
4.63
Upto
Uninsured
toPrimary
36.71
42.00
37.80
33.73
37.33
37.56
36.09
36.50
37.05
34.83
45.37
54.36
34.64
38.08
39.00
42.97
44.48
42.11
58.25
46.00
58.00
55.77
37.91
38.00
42.00
38.86
36.74
31.61
43.41
28.44
23.62
18.00
30.73
43.80
40.00
48.17
49.80
53.33
32.72
46.62
39.50
46.09
54.23
35.22
26.15
58.43
36.47
40.50
35.74
37.34
48.77
16.50
20.00
40.00
18.85
52.53
58.00
48.00
48.00
55.87
60.60
44.05
63.91
74.87
74.00
61.95
andAbove
39.08
44.48
96.62
75.00
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
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
ArunachalPradesh
EasternRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
54.26
94.74
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
40.54
51.25
58.26
36.54
69.85
48.85
24.34
50.89
83.75
75.00
41.73
65.20
7.50
67.50
63.96
93.75
100.00
62.25
66.67
45.63
85.68
54.84
59.06
70.74
49.24
31.85
61.28
53.99
35.00
61.25
26.32
9.52
39.38
Livinginpucca
house
97.86
97.50
99.38
98.22
98.99
98.44
97.34
84.20
93.75
99.21
98.75
99.58
79.38
99.48
82.60
95.94
73.00
84.98
99.66
94.93
64.46
99.06
82.65
94.74
100.00
85.31
100.00
97.50
87.50
98.53
100.00
100.00
99.46
88.59
Havingelectricity
InsuredHouseholds
DwellingUnitandAvailabilityofElectricity
Livinginown
house
State/UT
TableS3.2a:Distributionof HouseholdsbyTypeof
92.86
67.62
96.25
83.46
85.79
72.15
72.89
73.18
77.66
57.19
51.70
72.51
84.54
81.46
64.63
55.63
81.16
84.21
100.00
79.81
67.50
70.00
59.06
64.07
66.25
70.00
62.86
64.12
90.94
93.97
82.53
97.51
95.00
72.64
Livinginnuclear
family
Connection(Rural)
95.19
75.00
84.38
92.93
95.00
90.83
98.28
99.38
97.50
97.49
94.11
86.11
91.78
97.98
96.25
92.78
95.58
88.67
98.75
85.00
95.00
98.73
96.46
90.00
100.00
97.14
96.23
81.67
84.31
84.89
92.41
75.00
71.43
92.89
Livinginown
house
Uninsured
46.99
75.00
100.00
50.51
25.00
27.08
72.41
40.00
48.75
51.26
19.12
11.11
33.56
31.00
11.25
34.69
8.84
3.82
9.38
25.00
5.00
37.50
30.09
65.00
70.00
37.14
14.47
39.17
57.84
21.58
55.70
45.00
32.86
33.28
Livinginpucca
house
Households
72.77
80.00
100.00
95.96
98.31
67.92
100.00
68.13
90.00
51.96
75.12
84.26
78.77
48.24
93.75
72.45
81.22
98.73
58.13
100.00
95.00
70.00
95.87
100.00
100.00
97.14
93.71
98.33
99.02
97.84
98.73
100.00
97.86
79.89
Havingelectricity
73.05
80
84.38
92.93
86.67
71.25
74.14
81.88
70
61.45
80.74
84.26
84.93
68.18
65
85.71
88.4
82.67
87.5
80
85
73.75
73.45
85
75
73.57
71.7
91.88
88.24
91.37
93.67
90
94.29
78.85
Livinginnuclear
family
62

54.56
94.29
74.29
82.86
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
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
Chandigarh
61.43
78.57
84.29
63.41
69.45
67.76
66.81
79.8
72.84
85.48
35.71
6.85
49.32
72.86
56.07
73.5
79.85
56.23
67.09
88.4
75.57
86.77
80
95.11
90.57
87.62
75.51
89.08
91.96
87.1
82.9
87.25
70
80.84
NorthernRegion
AllIndia
Livinginpucca
house
97.62
98.57
95.71
98.83
92.05
97.14
92.11
87.5
93.08
91.32
98.57
68.96
97.93
66.67
99
74.29
99.8
61.43
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
Livinginnuclear
family
Connection(Urban)
100
100
99.4
98.1
100
98.57
96.42
100
100
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
Having
electricity
InsuredHouseholds
Livinginown
house
State/UT
TableS3.2b:Distributionof HouseholdsbyTypeof
63.33
73.33
88.33
64.36
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
Livinginown
house
Uninsured
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
Livinginpucca
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
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
Livinginnuclear
family
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
AllIndia
NorthRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
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
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WestRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
ArunachalPradesh
EastRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
Livinginown
house
State/UT
TableS3.2c:Distributionof HouseholdsbyTypeof
51.60
64.00
70.38
49.35
69.63
58.46
46.49
64.38
83.33
74.67
57.10
76.73
20.67
80.00
46.46
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
Livinginpucca
house
97.73
98.00
97.67
98.51
98.76
98.18
98.21
99.62
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
Having
electricity
InsuredHouseholds
92.43
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
Livinginnuclear
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
Livinginown
house
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
Livinginpucca
house
Uninsured
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
Households
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
Livinginnuclear
family
64
ofHouseholdsb
y
lRura
RationCard(Insured)(Percentage)
5.460.000.4253.13
0.000.0011.7552.32
0.470.009.7253.33
5.6353.351.880.00
2.460.2619.7350.76
1.031.0327.1548.26
1.890.2512.7453.23
1.560.0026.5653.33
0.000.0078.9520.65
0.000.000.0023.16
3.750.000.0053.33
2.190.000.3143.24
50.591.180.002.94
1.250.0053.336.25
0.890.002.8653.33
1.410.475.9949.19
0.751.2612.5644.77
73.1121.01
558.4426.3
77.8110.44
270.6919.1
065.0027.5
969.5415.8
347.0130.5
932.3038.4
872.2514.9
551.0734.0
627.8144.0
231.7416.1
0.0021.0
5
95.454.5
5
831.4140.7
053.7540.0
078.7517.5
573.7523.7
178.4717.4
88.758.7
5
082.5010.0
980.3615.8
575.0420.7
832.0560.0
752.2633.1
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
0.000.000.0053.33
1.790.000.5447.06
0.00100
6.7990.8
9
Pondicherry
TamilNadu
9.1152.284.290.18
Kerala
0.000.001.2553.41
628.5757.8
65.1133.64
Karnataka
47.841.560.002.65
53.330.000.002.50
7.62
5.71
52.54
39.02
36.25
29.03
83.40
93.46
84.29
88.57
87.42
86.67
94.29
91.43
29.46
100
1.37
35.47
86.35
88.57
26.09
46.67
28.72
53.46
10.30
5.52
2.86
10.00
8.13
12.62
5.71
4.29
APL
6.2553.330.000.00
1.880.1625.7853.33
6.050.0046.1053.40
8.8152.303.300.66
6.667.7753.420.14
3.230.3111.6753.30
0.750.504.2453.40
85.049.4
8
APL
Haryana
BPL
0.000.0018.9029.36
Antyodaya
1.250.0043.7553.33
Annapurna
77.953.1
5
No card
526.2528.7
Rural Sub-total
Delhi
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
5.71
5.71
0.000.00
0.320.00
20.65
11.76
33.20
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
0.720.00
2.550.00
0.411.43
0.960.35
0.000.00
0.000.00
1.430.00
1.430.00
0.150.00
0.710.00
0.000.00
0.000.00
0.710.89
0.000.00
0.000.00
0.001.45
1.070.00
0.860.43
4.050.25
0.000.32
0.970.46
2.060.08
1.430.00
0.180.00
0.290.00
1.430.00
3.520.00
0.000.00
3.260.00
0.000.00
1.450.02
1.050.21
Annapurna
Chandigarh
BPL
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
No card
3.330.159.2953.76
52.94
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
Urban Sub-total
2.4811.1250.980.22
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
APL
668.7718.4
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
BPL
57.1129.07
All
(Rural+Urban)
0.170.25
0.000.00
0.340.00
3.460.09
0.561.35
1.180.41
0.750.00
0.480.00
1.330.00
0.670.00
0.670.00
1.350.00
2.000.00
0.000.00
1.330.50
0.000.00
0.000.00
3.240.67
1.330.00
1.410.34
3.650.47
0.500.66
1.730.36
4.520.11
1.670.00
0.330.00
0.140.00
2.390.17
4.580.00
0.400.27
2.300.00
0.670.00
2.430.09
1.780.22
Annapurna
AllIndia
Urban
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
No card
NorthernRegion
State/UT
TableS3.3a:Distribution
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
Antyodaya
Antyodaya
BPL
APL
46.8450.630.000.002.5339.70
19.4266.914.320.009.3542.51
25.4957.840.004.9011.7632.80
21.2568.961.461.047.2937.01
62.2629.561.8934.570.006.29
62.1435.000.000.002.8640.00
80.0015.005.000.000.0040.00
80.0015.000.000.005.0040.00
64.3130.091.180.004.4237.25
58.7530.7733.755.000.002.50
50.0040.0010.000.000.0040.00
30.0050.005.000.0015.0040.00
8.1375.007.501.258.1340.00
78.487.5913.920.000.0055.44
1.1014.360.000.0084.5358.77
24.4929.597.140.0038.7839.76
18.7560.005.001.2515.0040.00
33.6749.253.020.0014.0740.28
37.6743.1510.961.376.8543.98
26.8557.410.931.8512.9655.38
31.3640.246.000.5621.8444.31
52.2322.3516.760.008.6639.80
48.7542.503.750.005.0039.91
57.5028.130.000.0014.3840.00
56.0333.620.860.009.4843.61
39.5838.758.330.4212.9240.07
48.3338.3313.330.000.0040.00
55.5634.341.010.009.0939.76
7.8685.710.710.005.7134.15
Antyodaya
TamilNadu
Annapurna
5.0095.000.000.000.0040.00
No card
Pondicherry
Kerala
Karnataka
AndhraPradesh
SouthernRegion
Maharashtra
Gujarat
Goa
Daman&Diu
WesternRegion
WestBengal
Tripura
Sikkim
Orissa
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Rural Sub-total
68.750.0012.500.0018.7519.51
APL
15.0035.000.000.0050.0040.00
7.43
0.00
51.26
31.91
29.67
24.91
69.77
80.48
BPL
Delhi
84.01
90.00
23.53
46.81
36.36
Annapurna
0.740.37
0.000.00
0.000.00
1.060.00
0.001.91
0.490.61
0.000.00
0.000.48
0.000.00
0.000.00
0.000.18
2.220.00
3.330.00
0.000.00
1.251.25
0.000.00
0.000.00
0.682.03
2.500.00
3.020.34
3.301.65
3.530.00
1.910.64
6.510.19
1.650.00
0.420.00
0.670.00
2.230.00
8.050.00
1.330.00
1.520.00
0.000.00
3.210.06
1.930.36
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
No card
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
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
Urban Sub-total
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
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
APL
50.3930.827.980.0910.7340.81
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
BPL
40.1740.045.530.4013.8540.41
Urban
All
)(Rural+Urban
0.730.24
0.000.00
0.000.00
2.450.00
0.002.89
0.850.77
0.650.00
0.000.29
2.000.00
0.000.00
0.440.11
3.080.00
6.000.00
2.000.00
1.253.75
7.720.00
0.000.00
3.251.22
3.500.50
3.020.20
6.711.52
2.071.04
3.730.60
10.600.11
2.490.00
0.250.00
0.750.00
4.670.17
10.200.00
1.200.00
1.220.00
0.000.00
5.080.07
3.390.38
Annapurna
Chandigarh
lRura
HouseholdsbyRationCard(Uninsured)(Percentage)
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
No card
AllIndia
NorthernRegion
State/UT
TableS3.3b:Distributionof
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
Antyodaya
Antyodaya
66
ofHouseholdsb
y
Rural
RationCard(Insure
d
44.6550.0033.13
84.0050.001.00
0.0047.3799.50
22.2550.0024.63
3.0050.0090.00
5.0050.0087.00
0.800.40
7.050.00
4.250.33
0.200.00
0.380.00
2.250.00
8.670.11
3.410.34
1.001.25
5.170.83
2.120.20
2.250.25
6.260.00
0.000.00
012.220.0
3.000.38
1.000.00
5.000.00
2.750.00
1.180.00
0.000.00
2.000.00
0.710.00
1.630.00
1.420.58
0.602.00
4.290.14
0.000.00
079.2014.4
068.1224.5
354.6728.8
372.7515.8
368.0520.9
061.7530.5
866.0917.1
342.8233.1
130.8343.6
363.8321.8
047.5837.1
526.0047.2
930.3018.7
1.0015.0
0
80.567.2
2
326.7547.6
049.0042.0
073.0022.0
570.7525.7
475.6519.9
087.0010.0
082.0011.0
76.7119.71
072.5022.5
629.8961.8
046.8038.2
626.7559.6
061.5037.0
1.0099.0
0
7.0089.8
6
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EastRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WestRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
APL
0.000.00
BPL
1.000.00
Antyodaya
76.105.0
3
Annapurna
024.0030.0
No card
Delhi
Rural Sub-total
Chandigarh
APL

0.004.0050.00
2.5743.757.56
0.000.00
0.140.43
1.5050.0052.15
9.1650.0037.11
12.4041.6734.29
6.2546.1527.83
3.3844.4479.30
2.8650.0089.56
3.2447.2284.04
0.7540.0077.83
0.0050.0089.00
8.0050.0082.00
24.2550.0013.25
13.0050.0050.81
8.3350.0064.64
23.3150.0039.90
20.3048.8547.09
7.9550.0076.70
5.5050.0080.50
10.6550.0075.50
11.2250.0065.13
11.9250.0056.96
0.3449.8372.73
5.2050.0083.80
18.8726.6769.70
45.0050.0019.00
85.65
89.00
25.32
46.70
31.00
53.80
14.30
8.44
2.00
8.00
11.16
19.67
10.00
12.00
26.50
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
BPL
11.7348.1757.33
0.440.11
0.000.00
0.510.00
2.150.00
0.291.57
0.820.43
0.000.00
0.000.14
1.000.00
1.000.00
0.110.05
1.170.00
1.000.00
0.000.00
0.881.00
0.000.00
0.000.00
0.201.63
1.500.00
1.510.40
3.810.69
0.760.25
1.280.51
3.390.11
1.500.00
0.250.00
0.400.00
1.670.00
4.900.00
0.400.00
2.730.00
0.000.00
1.980.03
1.320.26
Annapurna
9.5850.5270.84
6.23
7.00
22.03
14.04
32.86
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
No card
4.280.14
56.25
50.00
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
Urban Sub-total
665.0420.9
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
APL
153.3331.5
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
BPL
AllIndia
Urban
All
)(Rural+Urban
0.310.25
0.000.00
0.250.00
3.220.07
0.421.75
1.100.50
0.720.00
0.360.07
1.500.00
0.500.00
0.610.03
1.800.00
3.000.00
0.500.00
1.940.69
5.790.00
0.000.00
3.240.81
1.880.13
1.810.30
4.500.76
0.880.75
2.320.43
6.030.11
1.880.00
0.310.00
0.300.00
2.960.17
5.990.00
0.600.20
2.010.00
0.500.00
3.100.08
2.210.26
Annapurna
3.160.26
+Uninsured)(Percentage)
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
No card
NorthRegion
State/UT
TableS3.3c:Distribution
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
Antyodaya
Antyodaya
ofHousehold
s
byMajorSourceof
lRura
Information
46.640.9
44.612.5
47.40.0
40.90.0
57.57.5
86.30.0
0.60.257.0
2.64.213.5
0.50.059.4
1.20.050.1
0.30.037.8
3.10.834.6
1.72.150.3
4.60.435.5
3.50.816.6
1.90.340.6
3.22.211.2
15.80.042.1
0.00.00.0
4.10.532.5
1.30.062.5
1.30.038.8
0.30.085.0
1.20.920.7
1.38.830.0
0.00.08.8
1.30.421.1
1.40.520.7
7.42.712.3
20.92.535.2
7.51.814.6
2.58.10.9
7.52.58.8
0.70.70.9
27.68.4
91.449.2
45.824.5
48.736.5
23.42.5
67.031.8
58.216.1
74.948.0
50.736.0
81.627.2
71.829.9
89.573.7
100.059.1
72.322.7
98.836.3
87.560.0
56.625.6
75.042.1
71.351.3
100.038.8
76.446.1
71.137.9
68.832.2
43.028.4
65.854.5
77.943.3
56.315.0
86.88.6
4.4Rajasthan
UttarPradesh23.6
EastRegion28.8
Assam26.4
Bihar49.7
Chhattisgarh9.4
Jharkhand34.2
Meghalaya5.3
Mizoram63.6
Orissa16.9
Sikkim1.3
Tripura43.8
WestBengal6.6
WestRegion15.4
Daman&Diu27.5
Goa1.3
Gujarat12.7
Maharashtra17.9
SouthRegion19.9
AndhraPradesh8.3
Karnataka31.4
Kerala45.8
Pondicherry0.0
TamilNadu4.6
Uttarakhand22.5
18.24.8
0.20.2
0.00.0
1.20.0
25.55.0
65.010.0
0.20.2
59.55.5
15.816.1
3.63.4
40.77.2
53.314.3
1.78.6
2.018.0
0.035.0
0.08.8
1.614.0
67.47.6
72.53.2
70.05.4
0.30.0
73.80.9
0.01.3
0.813.0
0.00.0
0.00.0
1.50.7
6.93.8
2.63.1
0.94.4
8.931.5
2.56.9
1.37.8
0.13.8
0.614.8
1.38.1
0.66.9
0.85.9
3.026.4
0.057.8
0.05.0
0.01.3
(FPS)
32.51.3
62.515.0
69.80.5
18.715.2
60.031.6
31.417.3
23.822.9
43.52.4
39.15.6
58.48.8
49.223.2
64.233.2
11.863.4
39.70.7
5.50.8
13.80.0
0.00.50.03.0
0.00.00.030.
0
0.00.00.017.1
0.21.40.032.
0
18.60.30.012.
8
3.90.60.015.
9
0.810.30.015.
5
0.40.50.04.9
1.30.01.30.0
0.022.50.025.
7
0.66.40.111.3
0.00.00.05.7
7.56.32.55.7
0.00.00.05.7
0.80.85.01.9
0.00.00.082.
2
0.00.00.01.4
0.50.71.520.
3
1.60.60.37.1
0.91.90.818.
5
1.10.030.25.
9
15.115.80.044.
1
3.02.40.618.
2
3.80.01.32.2
0.80.00.28.9
1.71.41.110.
7
0.80.80.028.
3
8.10.10.20.8
7.60.40.48.6
0.00.00.05.4
0.01.60.034.
7
0.00.00.040.
0
46.4
91.2
60.1
85.7
95.9
100.0
51.4
56.5
81.0
81.2
34.1
73.0
52.9
10.8
91.3
29.3
64.6
97.1
51.2
59.0
46.2
59.7
79.7
65.6
55.9
38.6
83.1
98.6
47.1
62.9
97.1
65.7
50.0
98.6
42.0
86.3
95.9
80.9
51.1
51.4
82.9
95.4
45.0
39.3
75.7
76.5
50.3
15.8
83.0
64.5
51.8
57.7
87.7
74.8
38.0
30.8
84.8
81.1
74.9
94.3
64.3
50.0
97.1
98.0
47.1
80.8
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
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
7.1
4.5
4.3
3.0
3.2
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
32.7
25.3
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
0.4
0.5
0.6
0.0
0.0
1.1
1.4
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
Relative/Friends/
Punjab27.1
Madhy aPradesh11.5
1.32.513.9
Television
89.143.7
Newspaper
HimachalPradesh21.4
Magazines
9.02.29.7
Internet
98.060.8
people
Haryana8.2
Bazaar/Local
3.13.117.2
Neighbours
88.332.0
Relative/Friends/
Delhi5.5
Panchayat
0.01.31.3
gs
Banners/Hoardin
Fair price shop
100.048.8
Radio/Transistor
Chandigarh68.8
Television
46.9
Newspaper
80.1
Magazines
2.90.30.410.
8
Internet
1.70.314.02.
8
people
0.810.2
Bazaar/Local
1.98.5
(FPS)
45.718.1
Fair price shop
47.413.0
Neighbours
1.80.841.7
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
1.4
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
0.0
1.3
1.2
Panchayat
3.11.132.0
nUrba
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
3.1
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
14.3
15.9
12.3
gs
54.130.2
(Insured)
(Percentage)
Banners/Hoardin
63.032.5
Households
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
0.0
0.7
0.1
0.0
3.2
0.7
0.7
0.0
0.2
2.3
0.2
0.0
0.0
0.0
0.0
0.3
0.7
knowledge hub
Rural
AllIndia21.1
to
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
2.4
Others
NorthRegion17.4
State/UT
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
None
Others
Rural knowledge
hub
Radio/Transistor
TamilNadu
Pondicherry
Kerala
Karnataka
AndhraPradesh
SouthRegion
Maharashtra
Gujarat
Goa
Daman&Diu
WestRegion
WestBengal
Tripura
Sikkim
Orissa
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EastRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Transistor
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
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
6.5
15.4
6.9
26.1
Television
Delhi
Newspaper
Haryana
9.7
32.7
36.8
52.9
33.2
38.2
49.3
50.7
38.7
49.3
49.2
40.3
42.7
61.3
31.7
87.4
83.7
39.8
38.5
53.8
40.2
28.1
Magazines
Chandigarh
5.7
0.9
6.7
4.5
6.7
7.0
17.3
4.6
3.9
0.0
4.0
4.0
1.9
2.0
4.0
4.8
0.0
16.3
people
Local
Bazaar/
Internet
1.8
9.3
6.3
2.4
3.6
4.5
2.6
0.5
0.0
8.7
2.0
1.4
1.3
1.3
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
1.0
4.7
1.5
13.6
11.8
32.2
14.9
17.0
10.7
22.7
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
14.9
45.3
27.0
58.0
38.3
52.5
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
Friends/
Relative/
shop (FPS)
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
2.4
6.0
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
Neighbours
39.5
38.3
49.3
42.2
62.5
62.9
18.9
43.9
40.0
43.6
8.7
41.0
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/
Panchayat
71.4
66.9
98.7
90.4
98.0
91.5
49.7
86.5
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
knowledge
Rural
Hoardings
17.6
14.2
55.3
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
hub
NorthRegion
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
Others
AllIndia
State/UT
lAl (Rural + Urban)
TableS3.4b:DistributionofHouseholdsbyMajorSourceofInformationtoHouseholds(Insured)(Percentage)
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
Fair Price
Radio/
68
Haryana7.0788.8950.5
1
TamilN adu7.1482.8610.71
Pondic herry5.0035.0040.00
Kerala49.3770.8944.3
0
Karnatak a29.5053.9639.57
AndhraPradesh9.8030.3928.43
SouthRegion 21.0459.3829.58
0.71
10.00
6.33
5.04
10.78
5.42
0.63
1.43
Gujarat8.5738.5720.0
0
Maharashtra13.8457.2320.13
0.00
5.00
1.18
Goa0.0085.0030.0
0
Daman&Diu20.0060.0040.00
WestRegion 11.2151.3321.83
0.00
0.00
Wes tBengal1 2.5037.5012.50
0.00
Sikkim0.0095.0015.
00
0.00
Orissa21.2541.258.1
3
Tripura40.0065.0045.0
0
0.00
1.66
0.00
Mizoram70.8991.7767.
09
Meghalaya14.9249.7262.98
Jharkhand47.4730.3012.12
0.00
2.49
Bihar52.2424.3826.3
7
Chhattisgarh3.7547.506.25
2.05
0.93
0.00
0.96
0.00
0.00
0.00
6.67
0.00
4.04
Assam28.7743.8430.
82
ArunachalPrades h45.3725.009.2
6
EastRegion 34.8845.5730.33
Uttarakhand16.257.501.25
UttarPrades h23.4626.2627.37
Raja s than3.7525.0013.75
Punjab20.6986.2137.
93
Madhya8.75Pradesh10.420.83
Himac halPradesh33.3358.3330.0
0
Magazines
Delhi12.5075.009.3
8
Panchayat
0.00
0.00
Tstorransi
Chandigarh65.0095.0025.00
Radio/
None
Others
knowledge
Rural
Hoardings
Banners/
hub
shop (FPS)
Fair price
0.000.7117.864.2
9
5.000.0055.0015.0
0
1.270.0022.7811.39
5.7616.5565.4711.5
1
0.9834.3145.1016.6
7
2.2912.2939.7910.6
3
0.0026.4267.3010.0
6
0.0026.4381.433.5
7
0.0025.0095.000.0
0
0.0035.0065.0010.0
0
0.0026.8474.636.7
8
0.0091.2566.251.2
5
0.0055.0040.005.0
0
0.000.0060.0085.0
0
0.0049.3870.631.2
5
0.000.0026.580.6
3
1.1029.2874.590.0
0
0.009.0928.2823.2
3
0.0051.2582.5036.2
5
0.0019.4032.8422.3
9
0.6843.1527.4023.9
7
0.0055.5663.890.9
3
0.2434.1650.4412.3
7
0.0027.5037.5046.2
5
0.0056.7048.604.1
9
0.0065.6360.008.1
3
0.000.000.000.000.003.3
3
0.000.005.000.000.0026.6
7
0.000.000.000.000.0015.8
3
0.720.000.000.720.7238.8
3
17.6518.6315.690.980.0017.2
2
3.963.963.540.420.2117.7
5
1.2611.321.2610.060.6317.28
2.8614.290.710.710.714.7
6
0.0020.000.000.000.000.0
0
0.0015.000.0020.000.0030.00
1.7713.270.886.190.5912.43
0.000.000.000.000.009.4
4
0.005.0010.0015.000.0010.00
10.000.000.000.000.000.0
0
0.638.752.500.001.256.6
7
0.000.000.000.000.0071.6
5
1.661.100.001.660.008.6
6
2.021.010.000.003.0327.3
3
6.2510.002.500.000.009.1
7
1.491.002.991.001.9922.4
8
2.052.743.420.680.6832.2
6
7.4110.1913.8917.592.7825.2
9
2.153.432.712.231.0421.5
2
1.2512.502.500.006.250.0
0
0.004.471.400.000.5610.7
6
0.6318.755.001.250.638.3
3
1.726.030.000.000.0025.3
3
1.257.507.920.420.832.5
1
0.0061.6767.9234.5
8
0.8614.6654.3122.4
1
0.001.676.670.000.0017.7
8
3.0326.260.000.000.004.0
0
3.1362.500.000.000.0034.09
0.000.000.000.000.0023.3
3
0.008.3315.0071.6
7
0.0013.1348.481.0
1
3.1321.886.250.0
0
0.005.0010.000.0
0
Televis ion
94.44
93.33
62.23
68.33
61.72
69.44
74.79
72.86
80.00
96.67
80.00
61.67
72.68
93.33
0100.0
46.67
72.44
60.00
46.64
74.17
62.90
25.29
50.41
60.38
70.00
53.06
72.67
84.44
53.76
91.33
90.00
85.61
9.63
66.67
53.72
32.50
37.80
48.50
32.44
35.24
60.00
33.33
46.67
13.33
43.43
23.33
100.00
15.00
77.95
27.33
24.16
19.17
39.25
19.54
5.79
33.84
41.67
38.78
32.00
64.44
17.55
53.33
30.00
29.55
33.85
34.75
Newspaper
64.61
40.7
76.6
94.7
07.5
11.96
93.9
55.7
76.6
33.3
00.0
00.0
00.0
34.7
00.0
00.0
30.8
62.3
33.3
11.0
02.5
33.2
04.6
00.0
51.6
51.2
40.7
06.0
33.3
12.5
37.3
00.0
60.7
12.2
32.9
Magazines
65.92
22.2
020.0
93.1
35.8
80.4
01.0
83.1
00.0
00.0
00.0
00.0
60.5
30.5
00.0
00.0
00.0
62.3
72.6
41.3
33.3
00.0
40.5
00.0
81.0
20.4
40.7
08.0
00.0
00.0
31.3
010.0
33.0
41.4
11.5
Internet
1.887.262.841.670.8015.7
9
13.701.1
1
6.6710.0
0
0.8334.1
7
12.2354.7
9
28.7157.8
9
10.8937.3
3
17.6159.8
0
21.9063.8
1
6.6776.6
7
10.0066.6
7
18.2162.5
2
80.0070.0
0
33.3340.0
0
93.3383.3
3
45.4280.0
0
0.000.7
9
17.3275.5
9
26.6738.0
0
48.3364.1
7
29.1935.2
3
41.4032.2
6
51.7257.4
7
39.3750.8
6
52.0738.8
4
43.4139.3
3
45.8348.3
3
22.6757.3
3
60.7256.5
5
50.0016.6
7
12.6739.3
3
10.6113.6
4
0.0013.3
3
40.7041.9
7
32.4746.5
6
shop (FPS)
Fair price
0.9410.993.260.260.8610.99
0.74
0.00
10.83
1.60
5.74
0.00
3.67
0.00
0.00
0.00
6.67
0.00
0.00
0.00
0.00
0.42
0.00
5.33
0.00
0.00
5.38
13.79
0.00
2.10
0.00
0.00
0.53
4.17
4.31
0.00
1.84
0.95
0.00
0.00
6.67
0.00
0.35
0.00
0.00
0.00
0.79
0.00
2.01
7.50
918.3
0.54
0.83
2.22
0.00
0.00
317.3
18.00
1.67
0.37
3.33
0.28
1.33
0.00
0.00
1.82
1.78
4.44
0.84
2.00
0.00
0.00
2.37
2.22
/Neighbours
Relative/Friends
0.1744.7250.3918.7
1
Panchayat
0.4934.3251.5313.3
5
nUrba
0.37
3.33
0.53
0.00
22.01
6.00
11.96
23.33
53.33
6.67
18.04
3.33
0.56
0.00
0.00
9.58
0.00
7.33
15.00
0.34
13.98
44.83
7.44
7.62
5.94
12.92
17.33
6.96
12.22
27.33
34.85
6.67
12.31
10.37
Hoardings
0.69
Households(Uninsured)
(Percentage)
0.00
0.00
0.00
0.00
4.31
0.00
1.10
0.00
0.00
0.00
3.33
0.00
0.00
0.00
0.00
1.25
0.00
0.83
0.00
0.00
1.15
0.54
0.00
0.44
0.42
0.00
4.67
0.00
0.28
0.00
0.00
0.00
0.50
0.52
hub
1.54
lRura
SourceofInformationt
o
knowledge
NorthRegion 16.4837.0020.86
Major
0.00
0.00
0.00
0.00
0.96
4.65
0.24
2.38
0.00
0.00
020.0
0.00
3.33
0.00
0.00
0.00
0.79
0.00
1.33
0.34
920.6
2.69
0.00
2.10
1.25
0.00
0.00
1.11
0.00
0.00
3.33
2.27
0.44
1.30
Others
AllIndia 23.7345.1325.9
2
State/U
T
TableS3.4c:DistributionofHouseholdsb
y
0.00
0.00
0.00
0.00
0.00
0.66
0.00
0.00
0.00
0.00
0.00
0.00
0.35
0.00
0.00
1.67
0.00
0.83
1.33
0.34
0.00
0.54
4.13
0.57
0.00
0.37
0.00
0.00
1.67
0.00
0.00
2.27
0.88
0.57
None
Rural
Banners/
people
Bazaar/Local
/Neighbours
Relative/Friends
Local people
Bazaar/
Internet
Newspaper
Television
Transistor
Radio/
70
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
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EastRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WestRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
HimachalPradesh
MadhyaPradesh
5.22
24.00
Haryana
29.88
19.00
13.14
40.00
90.49
70.00
69.35
58.72
51.45
69.08
65.22
59.14
92.00
72.00
64.73
54.23
74.00
94.00
44.50
95.44
59.09
48.19
63.50
37.68
54.52
25.13
53.82
33.33
42.36
52.00
78.57
57.52
53.80
92.00
83.54
90.36
74.00
36.39
10.00
56.00
37.19
47.71
34.73
31.38
38.70
29.14
32.00
52.00
35.38
13.08
46.00
20.00
12.25
81.75
69.16
21.29
14.00
25.05
35.54
13.85
32.28
31.18
28.76
28.00
25.61
52.21
50.67
10.85
34.59
30.50
34.23
3.98
0.73
8.00
7.04
4.89
11.58
5.63
2.83
4.57
0.00
4.00
3.41
0.00
0.00
0.00
0.50
0.00
1.95
2.01
1.50
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
Radio/ Television Newspaper Magazines

Transistor
1.46
14.00
4.02
4.28
0.64
2.85
0.65
0.00
0.00
0.00
0.33
0.38
0.00
0.00
47.00
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
Internet
byMajorSourceofInformationtoHouseholds(Uninsured)
Delhi
Chandigarh
NorthRegion
AllIndia
State/UT
TableS3.4d:DistributionofHouseholds
(Rural+Urban)
0.98
4.00
0.50
14.07
30.55
11.41
20.65
23.71
14.00
20.00
21.43
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
15.12
28.00
29.65
59.33
53.70
38.24
62.39
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
1.95
6.00
11.06
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
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
Bazaar/ Fairprice
Relative/ Panchayat Banners/
Rural
Local shop(FPS)
Friends/
Hoardings knowledge
people
Neighbours
hub
All
(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
49.002.0
0
24.6723.17
2.00
18.13
10.40
12.75
57.92
13.80
60.63
51.39
35.75
34.72
51.75
37.33
17.20
42.75
10.80
30.50
0.00
35.88
62.00
42.00
86.25
21.94
31.00
12.00
22.14
21.88
12.33
35.00
15.00
0.75
7.00
0.86
1.00
3.13
1.80
2.01
0.17
3.40
0.00
0.00
0.00
0.64
1.50
0.50
0.60
0.25
1.80
1.00
0.00
0.38
0.00
0.00
0.00
0.71
7.00
0.00
0.29
0.38
2.63
2.20
2.57
6.75
3.00
0.57
Assam27.0067.3343.834.0
0
Bihar50.2045.4034.103.3
0
Orissa17.7566.1319.753.2
5
Sikkim1.0098.0032.001.0
0
Tri pura43.0083.0057.001.0
0
TamilNadu5.1486.009.000.71
Pondic herry1.0052.0020.008.00
Kerala46.5076.5043.503.2
5
Karnatak a31.0063.4351.577.00
AndhraPrades h8.6040.4028.4018.80
20.1366.9231.677.04SouthernRegion
Maharashtra17.1368.3834.381.25
Gujarat11.8668.8640.861.2
9
Goa1.0097.0037.000.00
Daman&Diu26.0069.0049.002.00
14.5370.2938.061.24Wes ternRegion
WestBengal7.7552.7523.000.25
Miz oram70.0092.7866.110.00
Meghalay a14.0053.5064.003.00
Jharkhand36.8063.6026.402.60
Chhattis garh8.2574.7523.001.50
ArunachalPradesh43.2549.2514.251.5
0
EasternRegion30.4561.2631.432.50
Uttarak hand21.2520.252.250.25
UttarPrades h23.6144.2234.671.00
Rajas than4.2541.6322.380.38
Punjab25.6090.2046.602.0
0
Madhy aPradesh10.9224.176.920.50
HimachalPradesh23.8382.8940.942.35
Haryana8.0096.2058.808.0
0
Panchayat
18.144.7
1
63.0011.00
25.006.2
5
60.716.7
1
51.6014.80
40.547.9
2
67.388.1
3
74.293.2
9
088.000.0
59.008.0
0
70.945.6
5
72.251.0
0
34.002.0
0
67.0014.00
70.000.6
3
28.330.5
6
72.000.0
0
20.6016.80
64.5032.50
31.7018.30
46.3012.18
44.7542.00
41.005.3
3
0.140.14
0.000.00
1.000.00
0.290.14
16.2016.60
3.673.54
1.639.13
2.1417.29
0.0032.00
0.0010.00
1.6513.88
0.250.00
0.002.00
0.001.00
0.7512.13
0.000.00
1.501.00
1.600.80
6.755.00
2.402.70
1.174.00
8.5025.75
2.355.98
1.258.75
0.113.94
0.6315.63
7.601.40
50.4023.00
58.758.6
3
0.757.00
64.9233.50
3.0026.40
0.6358.75
0.675.03
12.4265.10
41.400.8
0
5.630.63
Banners/Hoardings
Delhi6.8885.6327.502.5
0
knowledge
0.004.00
Television
013.000.0
0.000.430.003.1192.22
1.000.000.0029.0096.00
0.000.000.0016.7565.75
0.141.290.1433.8659.86
18.000.400.0014.1464.43
3.830.580.0416.4373.54
0.8810.250.1316.0076.60
0.430.570.144.8680.0
0
1.000.001.000.0098.0
0
0.0022.000.0027.0070.00
0.656.350.1811.6378.63
0.000.000.006.8375.1
7
8.008.002.007.0092.0
0
0.000.000.004.0097.0
0
2.000.630.885.5070.6
3
0.000.000.0075.50100.00
0.001.500.006.0081.0
0
0.400.601.8022.4076.00
1.750.500.257.7589.0
0
1.701.0019.7067.601.30
5.331.000.1730.8378.67
14.7516.250.7540.0064.75
2.932.330.7119.2775.71
3.500.002.251.5060.2
5
0.890.000.289.4468.2
8
2.381.381.0010.0082.38
0.600.600.0027.4078.60
8.080.170.331.3368.5
8
7.380.340.3411.3391.33
0.000.000.005.0096.0
0
0.001.250.0034.5589.55
0.000.000.0035.0095.00
Newspaper
Chandigarh68.0099.0044.000.00
4.50
41.75
2.17
6.21
6.00
40.00
52.58
51.00
5.57
7.00
6.00
51.86
30.25
57.00
1.00
13.71
43.71
10.44
6.36
6.40
6.86
33.61
56.30
49.71
0.00
5.00
58.00
37.00
2.00
4.13
0.00
7.50
42.00
33.88
98.50
81.00
7.00
5.50
38.80
44.00
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
53.67
35.00
45.04
12.75
47.89
52.88
36.20
26.83
78.67
61.00
41.36
44.00
Magazines
4.60
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
2.67
Internet
43.15
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
Bazaar/Local people
43.18
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
2.970.330.4710.8475.96
0.44
0.22
0.00
3.00
12.25
1.00
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
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
0.13
14.60
12.40
0.88
0.17
2.00
0.80
0.00
0.00
1.47
1.38
0.50
1.67
1.00
0.00
0.00
1.51
1.68
Neighbours
1.720.4414.5875.772.83
Panchayat
1.878.25
11.73
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
0.00
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
4.40
0.50
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
0.61
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
Rural
0.8010.39
Urban
Banners/Hoardings
46.6118.22
(Insured+Uninsured)
(Percentage)
knowledge hub
17.2550.6328.341.55NorthernRegion
AllIndia21.6559.0431.022.7
2
toHouseholds
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
2.03
Others
48.3613.10
Internet
State/U
T
42.34
Rural
ofInformation
Bazaar/Local people
32.55
Neighbours
0.69
Major Source
Relative/ Friends/
1.00
TableS3.4e:DistributionofHouseholdsb
y
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
Relative/ Friends/
Radio/Transistor
None
Others
hub
Rural
Magazines
Newspaper
Television
Radio/Transistor
Daman&Diu
Haryana
69.80
67.25
96.58
68.38
97.50
87.50
66.20
72.89
11.63
2.50
25.00
7.20
Maharashtra
TamilNadu
Pondicherry
Kerala
Karnataka
SouthernRegion
AndhraPradesh
Goa Gujarat
WesternRegion
WestBengal
Tripura
Sikkim
Orissa
Mizoram
Meghalaya
54.42
61.64
71.13
74.00
89.50
11.83
31.63
15.00
4.00
74.43
72.94
32.43
8.36
16.50
69.50
81.88
8.00
29.60
10.00
Jharkhand
Chhattisgarh
Bihar
Assam
EasternRegion
97.50
57.00
73.00
56.50
41.63
28.92
34.95
ArunachalPradesh
0.50
56.25
40.25
Uttarakhand
26.50
62.00
Rajasthan
16.53
11.38
84.40
6.13
26.50
17.56
UttarPradesh
Radio/
7.13
Punjab
MadhyaPradesh
97.00
88.50
96.10
87.12
46.38
Television
HimachalPradesh
Transistor
27.17
6.50
Newspaper
51.50
68.65
45.29
46.56
37.33
9.81
36.88
38.50
51.71
70.48
74.69
50.00
37.00
18.13
13.00
57.50
33.20
26.81
37.00
83.16
35.20
72.50
32.38
24.63
48.75
36.45
24.73
Magazines
Delhi
0.88
5.13
7.00
6.29
15.83
32.71
4.07
4.11
0.00
4.00
45.72
3.00
1.40
3.69
1.50
0.00
4.80
5.25
38.39
2.25
5.08
4.40
3.00
Bazaar/ Local
Internet
Chandigarh
1.69
5.75
10.50
2.86
3.50
6.67
0.36
2.11
0.00
6.50
3.86
1.00
1.10
1.00
3.57
1.38
1.50
1.50
1.75
2.30
4.00
0.00
0.81
Fair price
people
1.00
1.25
4.50
13.71
31.75
3.38
18.71
16.39
11.50
22.00
1.56
1.46
47.38
33.92
18.75
43.13
18.30
21.75
0.00
33.75
64.50
32.00
73.10
14.94
27.63
41.00
58.29
52.83
11.69
2.72
4.00
0.00
1.71
3.67
0.94
0.00
0.00
1.29
0.89
1.82
7.38
0.83
1.70
5.00
1.40
1.25
0.00
0.44
0.00
1.50
0.20
1.62
1.14
0.00
0.17
1.90
1.34
0.46
8.00
0.38
0.08
0.88
38.31
5.46
2.79
8.33
10.00
4.36
0.43
9.25
2.00
6.00
0.00
2.31
0.19
17.33
66.22
63.50
85.50
68.29
62.78
33.82
45.01
6.73
43.25
3.25
25.25
13.08
27.00
9.40
61.00
16.25
26.70
11.20
72.25
0.25
13.95
0.26
72.38
0.50
67.50
7.00
33.50
2.00
66.60
0.40
29.92
45.61
7.18
38.63
43.02
9.66
20.50
0.00
9.33
0.17
40.60
0.90
13.71
33.28
57.83
17.00
51.00
17.70
52.50
4.75
39.06
2.83
43.25
21.00
Friends/
Relative/
shop (FPS)
1.87
1.62
1.50
11.67
9.40
24.08
56.29
18.70
49.63
44.50
39.13
Neighbours
3.69
2.43
3.50
3.83
3.60
4.35
0.54
6.50
0.50
0.33
0.13
Banners/Hoar
Panchayat
37.32
35.92
0.50
2.17
8.10
6.52
1.38
4.60
1.44
1.36
0.25
5.02
20.75
0.36
0.00
0.50
0.38
16.11
10.00
39.50
19.71
11.39
7.32
27.63
8.42
1.75
8.00
2.60
0.75
0.00
12.94
1.00
1.50
3.90
10.05
12.65
8.00
43.67
27.50
11.37
9.54
14.30
15.88
4.28
11.38
knowledge
Rural
dings
17.99
67.71
13.97
63.60
44.00
37.67
59.90
59.87
16.88
41.40
37.63
41.28
7.50
2.62
11.17
0.07
0.00
0.50
0.00
0.31
0.00
0.50
0.21
0.39
1.74
8.75
2.75
0.70
1.25
0.20
0.00
0.00
1.44
0.00
7.50
0.00
1.68
1.64
0.00
0.00
0.00
3.68
4.17
1.80
1.31
0.44
2.00
hub
AllIndia
Urban)
0.38
0.02
0.50 0.00
0.79 0.07
0.00 0.00
0.00 0.00
0.19 0.00
7.31
0.14
21.50 0.00
0.00 0.50
1.71 0.07
10.89 0.17
2.43
0.48
18.75 0.38
1.75 0.17
1.00 0.65
0.38 0.25
0.70 1.20
1.00 0.00
0.00 0.00
0.31 0.75
0.00 0.00
11.50 1.00
0.00 0.00
1.88
0.32
0.44
0.38
1.00 0.00
2.00 0.50
0.20 0.00
0.50 0.17
0.21 0.46
0.60 0.00
1.38 0.50
0.00 0.19
0.00 1.88
Others
NorthernRegion
State/UT
All(Rural +
TableS3.4f:DistributionofHouseholdsbyMajorSourceofInformationtoHouseholds(Insured+Uninsured)(Percentage)
None
72
ofHouseholdsby
Rural
TypeofInsuranceTakenByHouseholds
Tractor insurance
Life insurance
Motor insurance
Health insurance
insurance
General
3.130.2647.664.43
5.075.2922.252.42
2.882.6310.391.88
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
0.00100.0
0
011301
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
327596298528
6
0.5441.4358.040.54
1.2517.5078.753.75
0.3124.6156.070.62
9.099.2740.829.27
2.7612.5648.242.51
3.4922.2451.513.65
0.780.7832.291.56
0.890.7132.141.43
0.000.0056.251.25
0.006.2555.001.25
0.731.0334.971.47
1.880.947.190.31
18.752.503.750.00
0.000.000.000.00
0.782.1923.911.72
4.554.5577.270.00
0.000.005.260.00
0.502.998.981.00
3.447.5048.135.63
1.711.7114.040.68
2.663.0917.861.81
1.560.3120.001.56
1.320.6223.233.74
0.00100.0
0
2.812.034.381.56
Uttarakhand
00.00100.0
Punjab
1.560.1014.691.67
0.00100.0
0
00.00100.0
MadhyaPradesh
1.261.6813.030.42
UttarPradesh
00.00100.0
HimachalPradesh
21.202.4922.197.23
00.00100.0
00.00100.0
Haryana
1.567.8114.841.56
0.000.0022.500.00
Rajasthan
00.00100.0
No insurance
00.00100.0
insurance
Delhi
37
0.00
0.00
0.00
0.36
0.25
0.16
0.31
0.71
Crop insurance
Chandigarh
204281
0.002.32
0.000.00
0.001.87
0.532.50
3.2723.37
0.836.56
0.473.74
0.182.68
1.250.00
0.000.00
0.372.87
0.310.00
1.251.25
0.000.00
0.164.38
0.000.00
0.000.00
0.000.00
3.131.56
0.500.38
9.250.22
0.680.00
1.781.11
0.007.81
0.000.07
0.000.47
0.520.78
0.213.33
2.100.84
28.182.99
0.000.00
0.000.00
Pump insurance
7
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
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
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
Life insurance
2.661.70
1.79
0.00
0.79
524
14.45
10.59
2.38
1.28
0.00
1.43
0.41
2.00
6.86
37.14
2.14
1.43
43.84
7.49
1.28
2.14
1.71
1.37
11.82
0.95
2.26
3.43
1.79
4.76
0.36
5.14
25.14
4.82
4.73
2.86
1.95
insurance
1.812.49
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
Health 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
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
3.461.0719.772.92
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
Tractor insurance
2.895.2726.412.53
Urban
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
insurance
Livestock
00.00100.0
(Percentage)
80.4
80.4
90.2
00.0
00.0
00.0
21.0
40.6
83.3
40.1
94.2
90.2
00.0
00.0
60.3
00.0
31.4
40.2
80.0
00.0
00.0
00.0
40.1
10.6
21.0
71.3
00.0
00.0
00.0
165
30.86
21.5
92.7
00.0
01.3
insurance
00.00100.0
(Insured)
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
Crop insurance
AllIndia
NorthernRegion
State/UT
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
Accident
General
insurance
Accident
Livestock
WestRegion
Daman&Diu
Punjab
Maharashtra
AllSample
TamilNadu
Pondicherry
Kerala
Karnataka
SouthernRegion
AndhraPradesh
Goa Gujarat
WesternBengal
Tripura
Sikkim
Orissa
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
UttarPradesh
0.00
100.00
100.00
100.00
0.00
2.16
100.00
100.00
100.00
100.00
100.00
100.00
22167
0.00
0.00
0.00
0.00
0.00
0
0.00
100.00
0.00
0.00
100.00
0.00
0.00
100.00
100.00
0.00
0.00
100.00
100.00
100.00
0.00
0.00
0.00
100.00
100.00
0.00
0.00
100.00
100.00
100.00
0.00
100.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Life insurance
Rajasthan
General
MadhyaPradesh
Health
insurance
Haryana
3.88
851
0.67
1.00
0.67
11.65
7.09
100.00
1.42
0.67
0.67
0.00
1.00
27.33
1.42
0.67
6.94
6.22
2.13
2.83
1.07
1.09
34.74
insurance
HimachalPradesh
Motor
Delhi
1312
42.61
25.96
14.67
8.01
14.06
5.20
2.01
0.00
1.05
4.67
1.67
3.94
2.15
5.99
2.47
8.83
3.46
4.35
1.05
4.83
0.67
1.33
0.00
5.05
2.26
1.34
0.72
0.54
2.08
0.63
0.17
insurance
28.00
13.53
23.57
20.76
22.65
42.78
7.25
24.71
24.37
30.90
1.16
0.50
2.30
1.13
3.17
0.53
0.00
0.00
1.17
0.00
0.00
0.70
1.71
0.32
22.60
1.94
0.00
0.46
4.26
0.45
1.11
4.09
0.92
2.44
1.34
6849
380
2.57
7.57
0.14
41.67
0.74
52.00
0.67
62.67
0.67
38.76
0.76
40.45
0.75
22.96
55.75
2.84
46.12
1.57
48.37
7.74
60.73
0.67
83.33
2.00
63.61
0.59
23.07
16.20
22.12
18.85
53.83
16.51
29.35
67.37
31.83
0.00
6.00
1.19
Tractor
5.92
Livestock
insurance
0.00
100.00
3.84
100.00
4.07
100.00
1.33
100.00
1.83
100.00
23.04
100.00
1.12
100.00
1.89
100.00
3.27
100.00
2.33
100.00
2.92
100.00
1.00
1.41
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
0.17
1.50
0.00
0.83
0.13
1.09
0.00
2.08
0.00
0.67
1.66
0.10
0.00
0.00
0.27
0.00
0.00
0.41
0.25
0.00
0.17
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
0.66
6.45
0.33
3.67
0.13
0.00
0.00
0.25
0.00
1.33
2.72
0.00
0.92
29.43
1.34
0.33
0.41
0.00
0.00
0.00
Crop
insurance
Chandigarh
0.00
0.00
0.00
0.00
0.00
0.00
All (Rural +Urban)

Accident
insurance
AllIndia
NorthernRegion
State/UT
TableS3.5b:DistributionofHouseholdsbyTypeofInsuranceTakenByHouseholds(Insured)(Percentage)
0.04
0.17 0.00
0.23 0.35
0.20 0.00
1.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
2.33 0.00
0.00 0.00
1.33 0.00
0.04
0.00
0.00 0.00
0.00 0.00
1.86 0.00
0.45 0.00
1.78 0.00
0.41 0.00
0.25 0.00
0.07 0.00
4.34 0.00
0.00
1.60 0.00
0.00 0.00
0.00 0.00
1.43 0.00
2.09 0.00
3.74
0.13
11.02 0.56
2.14 0.00
1.50 0.00
0.00 0.00
1.34 0.00
313
8
0.00
0.62
1.41
0.93
insurance
Pump
insurance
No insurance
74
0.298.550.00
0.00
AllSample2849
0
TamilN adu93.570.00
75.00Pondic herry0.00
Kerala83.540.0
0
Karnatak a80.580.00
AndhraPradesh91.180.00
86.880.00SouthernRegio
n
Maharashtra91.190.00
Gujarat89.290.0
0
Goa75.000.00
Daman65.000.00&Diu
Wes ternRegion87.910.00
0.638.330.63
0.008.820.00
2.166.471.44
0.83
0.00
2.16
0.005.005.00
0.005.710.00
1816715
5.00
0.00
20
0.0016.460.00
0.635.660.00
0.00
0.00
0.006.430.00
0.0025.000.00
0.00
0.00
0.0030.000.00
0.000.000.00
0.00
WestBengal100.000.00
0.00
0.000.000.00
0.00
Tripura85.000.00
0.000.000.00
0.00
1.102.760.00
0.55
Sikki m95.000.0
0
2.021.010.00
0.00
0.000.000.00
3.755.000.00
0.00
0.00
0.501.000.50
0.00
Orissa98.750.0
0
2.050.000.68
4.11
0.6310.130.00
0.000.930.00
0.00
3.16
0.962.310.16
0.96
0.000.280.00
0.285.031.96
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
0.001.00
0.000.00
0.001.01
0.000.00
0.000.00
0.000.63
0.000.00
0.000.00
0.000.00
0.000.59
0.000.00
0.000.00
0.000.00
0.001.26
2.920.63
0.000.98
8.631.44
0.000.00
4254
1523
79.57
0.684.11
61320
88.51
0.000.00
87.04
92.44
0.080.80
0.000.00
90.08
0.000.00
0.000.000.71
94.25
0.000.00
63.33
84.17
10.000.00
0.000.005.00
0.000.000.00
0.000.722.16
0.000.000.98
0.000.211.25
0.000.001.89
2.140.003.57
0.000.000.00
0.000.000.00
0.880.002.36
0.000.000.00
0.000.000.00
0.000.000.00
0.000.000.63
0.000.000.63
0.000.000.00
0.000.000.00
0.000.000.00
0.000.000.00
0.006.160.00
0.000.000.00
0.000.720.16
0.000.001.25
0.630.000.00
0.001.250.00
0.000.00
79.33
0.000.86
0.860.000.86
0.0028.451.72
97.21
0.000.00
0.420.000.83
0.423.330.42
94.44
0.0011.67
0.000.000.00
80.67
0.000.00
0.000.000.00
96.21
0.002.020.00
86.67
0.000.00
0.003.030.00
0.003.750.00
Health insurance
0.00
Motor insurance
Mizoram84.810.0
0
Meghalaya92.820.00
Jharkhand85.860.00
91.25Chhattisgarh0.00
Bihar84.580.0
0
Assam68.490.00
ArunachalPradesh72.220.00
86.350.00EasternRegio n
Uttarakhand96.250.00
UttarPradesh91.900.00
93.75Rajasthan0.00
Punjab68.100.00
Madhy aPradesh94.580.0
0
H im ac halPradesh85.000.0 0
General insurance
Haryana90.910.0
0
Livestock
0.000.000.00
Accident
0.000.000.00
insurance
0.006.250.00
insurance
0.000.000.00
Tractor insurance
0.000.00
Crop insurance
89.11
Pump insurance
90.89
Any other
0.460.71
insurance
0.000.69
No insurance
0.260.260.34
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
0
Life Insurance
0.190.400.62
50.6
20.7
00.0
00.0
35.3
00.0
00.0
00.0
00.0
30.9
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
02.2
00.0
49.0
00.0
00.0
70.3
31
General insurance
0.175.920.86
0.670.00
3248
012.960.0
033.330.0
015.000.0
617.552.6
5.740.48
313.220.7
11.300.00
013.810.0
040.000.0
023.330.0
014.360.0
0.000.00
0.000.00
0.000.00
0.420.00
1.570.00
3.150.00
014.170.0
0.340.34
1.080.00
0.000.00
1.780.06
5.790.00
3.150.00
7.500.42
016.670.0
3.060.00
2.220.00
013.330.0
2.270.00
010.000.0
5.850.06
6.790.17
70.6
00.0
00.0
00.0
00.0
00.0
00.0
50.3
00.0
00.0
80.4
30.3
20.1
00.0
30.5
00.0
00.0
00.0
21
Motor insurance
10.00
40.4
70.1
00.0
60.7
00.0
00.0
00.0
70.6
00.0
00.0
30.8
50.9
00.0
81.0
00.0
Health insurance
0.565.160.46
Urban
Tractor insurance
Chandigarh95.000.00
(Percentage)
80.0
70.1
00.0
00.0
00.0
00.0
80.2
00.0
00.0
00.0
51.6
60.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
20.4
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
4
insurance
Delhi93.750.00
Households(Uninsured
)
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
insurance
0.62
0.34
0.00
3.13
1.01
0.00
0.00
0.00
0.00
0.56
lRura
ofInsuranceTakenby
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
Crop insurance
90.300.00NorthernRegion
byType
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
Pump insurance
AllIndia88.010.0
0
State/U
T
TableS3.5c:Dis tributionofH ousehold

s
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
insurance
Any other
Accident
Livestock
Life insurance
No insurance
Daman&Diu
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
0.35
0.00
0.00
0.00
0.00
1.75
0.00
0.00
0.00
0.00
1.22
0.00
0.00
0.49
Kerala
Pondicherry
TamilNadu
AllSample
1.70
0.77
RegionSouthern
AndhraPradesh
Karnataka
0.00
51
0.24
2.00
0.00
6.12
0.00
0.65
0.32
0.00
1.29
1.20
0.00
0.87
Maharashtra
7.50
0.00
0.31
0.43
0.29
0.33
0.00
0.00
0.20
0.00
0.00
0.00
0.00
0.95
0.00
1.51
0.00
0.78
0.00
0.00
0.17
0.49
0.42
0.00
1.81
1.14
Goa Gujarat
1.10
4.00
0.00
0.00
RegionWestern
0.00
0.00
Uttarakhand
Chhattisgarh
0.00
UttarPradesh
0.00
0.00
Bihar
0.00
Rajasthan
Assam
0.00
Punjab
0.00
0.61
3.61
0.00
0.00
insurance General
0.00
0.00
0.00
MadhyaPradesh
0.64
0.57
39
0.00
0.00
0.00
1.22
0.00
0.00
0.61
0.00
0.00
0.17
0.38
0.00
0.11
0.50
11.41
9.35
10.86
12.20
26.00
34.00
0.00
0.00
0.00
2.02
0.51
0.60
0.60
10.50
0.80
2.92
6.32
0.25
6.13
5.88
491
10.49
22.00
15.58
12.84
6.75
6.00
3.05
9.24
1.33
3.17
21.80
5.00
3.90
4.98
0.69
0.00
0.00
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
0.11
0.29
0.37
23
0.00
2.00
0.00
2.14
0.32
0.00
0.00
0.00
0.00
0.17
0.75
0.25
0.78
0.00
10
0.00
0.00
0.15
0.00
0.00
0.00
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
0.00
0.00
0.00
0.00
0.33
0.38
0.25
0.00
1.00
0.31
0.37
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
0.12
0.20
0.00
0.61
0.00
0.00
0.00
25
0.00
0.00
2.81
0.67
0.00
0.00
0.00
0.33
0.00
0.69
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
0.11
0.31
0.17
0.64
0.92
0.50
4.00
0.24
25
0.00
0.00
0.00
0.00
0.33
0.38
0.00
0.00
1.00
1.77
0.00
0.00
0.00
0.22
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
0.35
0.03
insurance Pump
RegionEastern
ArunachalPradesh
0.00
Haryana
0.00
HimachalPradesh
0.00
Delhi
Life insurance
Chandigarh
0.00
0.00
insurance
Livestock
insurance
RegionNorthern
Crop insurance
AllIndia
State/UT
All (Rural+Urban)
TableS3.5d:DistributionofHouseholdsbyTypeofInsuranceTakenbyHouseholds(Uninsured)(Percentage)
0.00
6.42
0.00
4.00
0.00
28
0.00
0.00
0.00
0.00
0.00
0.38
0.00
0.00
0.00
0.31
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
0.40
0.37
insurance Any other
insurance Accident
Tractor
insurance Motor
insurance Health
0.32
0.92
0.00
0.00
0.00
32
0.00
0.00
0.40
4.67
0.00
1.13
0.00
0.00
0.00
76
6.1
62.5
MadhyaPradesh
Punjab
0.9
44.0
51.0
63.9
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
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
3865
82.3
63.8
82.2
56.1
34.2
39.6
16.3
46.3
15.0
0.0
40.3
68.2
68.4
31.2
36.3
28.3
26.2
37.7
29.1
2.2
33.1
EasternRegion
5.3
34.2
22.7
53.8
12.5
61.8
30.3
18.6
52.1
28.3
6.7
1.9
Prevent
damageto
assetsfrom
certainevents
Uttarakhand
28.0
Rajasthan
UttarPradesh
HimachalPradesh
Haryana
Delhi
Chandigarh
31.5
19.5
20.0
57.0
38.4
38.2
AllIndia
NorthernRegion
AllIndia
Prevent
certain
events
TableS4.1a:Distribution ofHouseholdsBasedon
4914
61.8
31.3
41.7
55.6
20.9
46.9
50.2
47.0
32.5
66.3
48.8
1.9
17.5
0.0
46.6
59.1
42.1
43.6
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
Compens
atelosses
from
certain
events
2352
16.6
47.5
18.4
19.8
45.0
25.0
33.5
39.8
15.0
26.3
34.6
0.3
5.0
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
Insured
Rebuild
the
assets
5841
23.4
21.3
25.5
54.9
4.5
29.0
33.4
41.6
96.3
23.8
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
Loss
oflife
588
0.4
10.0
0.6
1.1
1.0
1.1
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
Any
other
239
0.0
1.3
0.9
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
Can't
say
TheirPerceptionaboutInsurance(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
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
certainevents
Prevent
damageto
assets
from
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
Compensate
lossesfrom
certain
events
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
Uninsured
Rebuild
the
assets
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
oflife
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
Anyother
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
46.14
20.66
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
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
4083
90.16
81.43
71.07
42.38
42.97
51.79
63.14
38.78
28.57
45.71
1.43
45.45
7.14
0.00
38.57
95.89
68.49
27.14
37.50
41.21
0.00
30.44
8.64
42.68
61.43
25.09
27.14
64.29
41.23
45.71
50.00
Chandigarh
37.58
28.73
30.65
22.09
Prevent
damage
to
assets
from
certain
events
AllIndia
NorthernRegion
AllIndia
Prevent
certain
events
5223
69.21
47.14
55.71
52.54
32.18
60.23
53.05
52.04
12.86
54.29
2.14
54.40
45.71
0.00
52.50
50.68
64.38
54.29
57.14
30.77
41.30
54.95
58.42
39.94
68.91
15.71
46.86
52.08
48.07
50.13
34.29
31.17
50.57
48.10
Compensate
lossesfrom
certain
events
2214
14.76
41.43
22.86
12.89
34.22
41.34
21.18
41.84
18.57
28.57
0.24
39.65
7.14
0.00
25.36
56.16
12.33
16.00
12.86
10.40
13.04
14.70
13.92
20.38
19.01
8.57
16.56
19.14
26.19
26.04
31.71
6.07
16.57
18.64
Insured
Rebuild
the
assets
5531
34.76
10.00
4.29
67.77
22.20
33.62
35.00
38.78
92.86
28.57
81.19
38.37
74.29
91.43
33.21
47.95
35.62
43.14
83.57
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
Lossof
life
TableS4.1b:DistributionofsHousehold Basedon TheirPerception aboutInsurance(Urban)
923
0.00
4.29
0.36
8.40
2.04
0.00
2.87
0.61
2.86
0.00
89.05
0.38
34.29
100.00
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
Anyother
199
0.32
0.00
0.00
0.59
1.83
0.00
0.71
1.02
0.00
0.00
0.38
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
Can't
say
(Percentage)
1193
28.52
30.00
45.83
44.15
25.84
30.23
34.03
73.33
50.00
36.19
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
Prevent
certain
events
1282
53.70
63.33
45.83
36.67
26.67
23.33
28.90
44.68
22.97
52.13
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
Prevent
damage
to
assets
from
certain
events
26.67
13.33
44.29
42.86
37.82
16.27
51.06
44.17
53.33
40.74
1598
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
Compensate
lossesfrom
certain
events
16.67
20.00
25.71
26.91
18.73
22.49
12.23
25.83
26.67
16.30
696
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
Uninsured
Rebuild
the
assets
50.00
80.00
43.33
34.88
27.42
19.62
53.19
5.00
0.00
28.52
2008
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
Lossof
life
0.00
0.00
0.48
0.00
1.59
1.44
3.72
0.83
0.00
0.74
321
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
Anyother
0.00
3.33
4.76
7.64
22.40
32.06
2.66
28.33
26.67
25.56
761
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
Can't
say

1.2
44.7
51.4
63.5
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
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
7,948
86.5
72.0
77.0
49.6
39.0
39.2
22.0
46.0
11.3
0.0
39.5
89.5
68.5
29.3
36.8
24.7
2.3
32.1
EasternRegion
6.3
Prevent
damageto
assetsfrom
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
Uttarakhand
30.8
UttarPradesh
31.1
20.7
34.0
53.9
38.9
31.3
8.3
55.6
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
AllIndia
NorthernRegion
Chandigarh
AllIndia
Prevent
certain
events
10,137
65.7
38.7
48.3
54.1
27.1
50.0
55.4
49.3
23.3
60.7
51.6
2.0
30.7
0.0
49.3
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
Insured
Compensate
lossesfrom
certain
events
TableS4.1c:DistributionofHouseholds BasedonTheir Perceptionabout
4,566
15.6
44.7
20.5
16.5
39.0
23.1
37.6
40.8
16.7
27.3
37.1
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
11,372
29.4
16.0
15.6
61.0
14.3
32.0
33.5
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
(Rural+Urban)
Rebuild
Lossof
the
life
assets
1,511
0.2
7.3
0.5
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
Any
other
438
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
Can't
say
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
damageto
assetsfrom
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
Uninsured(Rural+ Urban)
Compens
Rebuild
Loss
atelosses
the
oflife
from
assets
certain
events
31.8
13.9
40.5
32.1
12.4
48.0
16.0
6.0
36.0
15.2
13.4
40.2
38.6
17.7
28.5
25.3
9.3
55.3
28.2
18.2
50.9
39.1
23.3
52.6
10.0
2.3
41.0
45.8
9.5
51.4
31.8
10.0
60.2
27.2
9.7
38.1
29.2
15.4
51.3
31.9
11.1
37.7
19.0
5.0
26.9
21.5
4.5
62.5
18.9
5.2
21.7
27.3
14.9
9.1
50.5
29.8
30.5
43.5
7.3
36.3
0.0
0.0
62.0
32.0
2.0
74.0
1.5
0.0
81.5
39.1
23.0
42.2
38.0
16.0
42.0
18.0
16.0
84.0
39.7
23.4
46.6
41.1
24.1
34.3
36.1
20.1
27.5
18.0
28.9
19.0
45.3
14.4
53.8
40.7
23.1
9.5
46.0
28.0
0.0
39.0
15.6
25.1
2,549
1,113
3248
5.6
0.8
4.0
0.6
0.4
3.3
0.0
3.0
0.8
0.6
0.0
14.1
7.7
8.4
12.6
1.0
2.4
5.2
0.0
0.3
96.0
48.0
75.0
0.3
0.0
0.0
0.3
0.4
1.5
1.0
3.7
0.5
2.0
0.5
445
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
80
19.3
9.3
52.1
3.4
41.4
40.0
42.5
30.6
50.9
45.4
44.0
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
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhandl
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
74.5
3843
41.4
42.5
39.5
2119
Kerala
Pondicherry
TamilNadu
AllSample
2.8
Karnataka
43.8
62.3
32.4
2.3
33.9
AndhraPradesh
53.9
90.0
35.0
67.5
54.5
15.8
27.7
55.6
20.9
55.5
33.9
7.9
13.6
61.3
Radio/Transistor
2327
53.0
23.8
67.0
31.9
14.8
40.1
19.3
15.0
1.3
31.3
17.2
7.2
5.0
0.0
13.4
90.9
0.0
36.4
3.8
27.5
13.2
21.9
18.5
18.4
17.6
2.3
31.3
8.6
20.6
11.2
Corporate publicity
30.2
1249
25.9
23.8
17.8
16.4
2.0
16.7
10.9
15.9
38.8
25.0
15.4
1.3
3.8
0.0
0.9
0.0
0.0
4.2
3.8
4.9
4.6
1.4
3.1
4.1
17.1
10.3
18.8
3.9
Rural camps
7.0
918
14.3
20.0
12.1
18.5
17.1
16.0
6.6
1.3
0.0
1.3
3.7
0.0
5.0
0.0
1.6
0.0
0.0
1.7
1.3
1.1
2.4
19.9
3.0
24.7
11.3
Panchayat
80.5
6.32.5
373650
3.85.2
2.516.3
2.86.5
6.43.4
1.021.4
3.88.7
3.74.8
4.63.4
0.00.0
0.060.0
3.77.2
0.00.0
1.36.3
0.00.0
0.80.0
0.00.0
0.00.0
1.72.5
20.0
16.4
27.7
59.859.6
56.673.6
36.742.1
5.9
30.2
31.6
10.0
41.4
615
80.292.5
46.352.9
11.215.6
18.831.3
13.212.3
44537810
57.521.3
0.060.0
54.764.0
59.195.3
30.097.5
20.0100.0
62.068.9
59.19.1
52.663.2
15.065.6
37.593.4
39.086.6
1.31.9
0.67.5
13.758.1
47.959.6
0.95.7
39.276.2
2.43.3
38.474.7
17.811.3
1.912.5
32.787.2
1.81.7
33.138.0
39.174.9
5.076.9
52.995.3
3.939.1
42.517.5
35.176.6
39.882.8
Friends/Relatives
1.73.4
19.89.6
1.117.1
2.112.2
7.20.2
0.80.8
Agents
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
Print Media
39.469.1
877
70.0
40.0
62.0
27.3
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
Visual Media
3.77.0
662
43.6
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
Radio/Transistor
3.35.8
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
Corporate publicity
8.1
10.0
0.0
0.8
4.0
6.3
13.5
9.6
2.7
(Rural)
(Percentage)
Uninsured
19165
0.713.6
25.00.0
2.515.2
6.53.6
3.94.9
10.22.7
3.82.5
0.74.3
5.00.0
0.00.0
2.42.9
0.00.0
10.00.0
0.040.0
3.84.4
0.00.0
5.00.0
0.01.0
2.50.0
0.50.0
6.21.4
4.65.6
2.71.9
11.30.0
9.80.3
3.83.1
7.810.3
15.80.0
1.75.0
2.05.1
0.00.0
0.00.0
8.62.2
5.92.0
Publicity vans
11.1
13.3
13.8
44.5
12.0
25.6
eonInsuranc
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
0100.
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
Panchayat
20.6
15.0
68.8
Insured
Major Sourceof nInformatio
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
Friends/Relatives
20.0
34.0
18.8
AllIndia
Print Media
AllIndia
byTheir
Visual Media
NorthernRegion
TableS4.2a:Distributionof sHousehold
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
Rural camps
Publicity vans
21.4
33.1
Punjab
Print Media
MadhyaPradesh
Visual Media
19.3
38.6
53.1
53.0
42.9
47.1
57.5
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
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
4900
77.9
61.4
61.8
33.0
54.0
59.2
80.0
64.3
42.9
72.3
86.3
57.5
44.3
67.9
28.2
66.7
1806
34.1
40.0
57.1
33.6
10.0
31.5
24.9
11.4
0.0
3.3
0.0
0.0
10.5
50.7
2.7
21.7
5.4
9.4
52.7
17.3
39.6
19.7
14.3
Rajasthan
UttarPradesh
HimachalPradesh
Radio/Transistor
Haryana
1.90.54.370.5
12.70.119.690.5
17.50.4
2.70.425.282.8
88.60.40.729.6
1.128.086.30.6
11.80.7
10.00.6
1.70.360.274.7
4.31.633.944.9
72.12.92.263.7
11.70.1
24.18.4
11.41.0
41.69.5
5839739297697
11.440.01.41.4
0.81.010.528.3
30.07.1
1916275
2.13.613.215.0
25.015.0
11.50.648.656.4
2.756.361.00.4
0.219.0
13.510.7
0.00.060.022.9
65.70.0
0.00.062.962.9
1.90.358.966.3
2.90.0
0.20.747.190.0
16.80.2
0.01.454.378.6
0.00.025.798.6
1.40.0
8.60.0
2.00.058.271.3
0.00.052.131.5
0.00.086.339.7
7.512.162.32.9
9.11.6
0.00.0
0.01.4
4.30.7
0.00.0
8.90.353.782.1
11.81.9
2.90.737.878.2
6.70.9
1.61.0
6.60.024.285.0
22.60.024.782.4
18.60.0
2.50.248.278.6
27.80.5
12.70.2
17.49.434.650.6
90.68.30.357.4
42.40.5
36.314.3
3.20.015.349.4
14.63.1
Publicity vans
10.01.441.441.4
Panchayat
31.20.6
Friends/Relatives
1.414.3
Corporate publicity
Delhi
Agents
8.90.928.878.6
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
Print Media
5.40.936.270.8
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
Visual Media
23.51.8
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
Radio/Transistor
Chandigarh
Insurance(Urban)(Percentage)
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
Corporate publicity
17.62.5
on
Uninsured
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
Rural camps
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
Insured
ofInformatio
n
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
Publicity vans
45.1
30.8
40.0
57.8
26.3
76.2
28.8
40.0
21.6
22.8
MajorSource
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
Panchayat
28.8
20.4
24.3
40.9
8.3
36.7
byTheir
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
Friends/Relatives
AllIndia
NorthernRegion
AllIndia
TableS4.2b:Distributionof Households
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
Agents
Rural camps
82
HouseholdsbyThei
r
Major
Radio/Transistor
14.5
7.4
9.928.4
26.868.3
14.818.4
39.046.3
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
14.8
15.3
19.1
24.546.9
30.636.9
43.060.8
EasternRegion
ArunachalPradesh
Assam
52.738.7
30.085.3
30.556.4
27.346.3
35.650.9
15.631.0
34.832.7
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
5243874
3
30.152.0
WesternRegion
47.876.3
62.4
22.743.4
WestBengal
AllSample
32.7
28.752.7
Tripura
TamilNadu
12.1
22.041.3
39.162.1
35.7
25.969.8
Orissa
Sikkim
49.352.0
22.2
60.078.9
Mizoram
Kerala
18.3
71.748.9
Meghalaya
Pondicherry
5.0
8.735.4
Jharkhand
4133
43.0
31.3
13.3
0.7
34.7
2.7
0.0
12.1
60.0
2.2
29.6
4.5
11.724.3
29.061.3
Bihar
Chhattisgarh
14.4
10.5
3.211.0
Uttarakhand
1.91.2
2.22.9
956747
34.211.8
2.09.3
31651193
26.714.0
2.55.2
8.92.1
21.113.5
2.010.
8
7.28.2
4.05.1
2.72.5
3.72.0
0.00.0
0.00.0
2.82.0
0.10.4
0.74.0
0.00.0
1.30.0
0.00.0
0.00.0
1.51.6
0.54.3
15.014.8
20.512.1
11.33.2
17.30.8
51.30.0
14.70.7
16.11.9
1.40.0
6.02.7
0.00.0
2.51.2
0.01.1
0.00.0
6.91.2
7.51.0
6.91.3
8.12.2
1.510.1
2.62.0
13.25.6
4.04.4
11.56.7
10.913.2
4.92.0
4.00.9
22.16.3
2.11.9
11.41.5
4.9
11.3
11.617.3
10.914.8
Rajasthan
UttarPradesh
6.69.2
8.02.0
2.50.2
7.70.3
2.06.7
6.24.1
18.79.5
publicity
27.111.9
Corporate
10.27.4
33.53.6
Publicity vans
38.6
12.8
33.7
38.164.4
Print Media
18.029.3
Visual Media
Delhi
Rural camps
Chandigarh
Panchayat
4.33.4
70.08.0
8382
11.8
15.3
12.1
47.4
71.1
35.3
58.5
58.2
58.7
61.3
58.6
52.3
41.3
22.7
60.3
15507160
6
20.840.7
35.344.0
15.334.7
54.634.9
81.213.2
43.631.8
74.225.7
60.323.1
22.022.0
61.352.0
65.125.9
92.35.4
88.726.0
99.310.0
44.659.7
75.26.8
91.216.0
84.83.8
60.141.0
71.29.7
77.122.4
80.87.5
86.26.8
78.31.5
44.033.1
82.25.3
73.923.3
93.18.8
46.328.0
28.712.0
77.610.9
70.020.0
26.357.2
Agents
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
Friends/Relatives
14.35.4
18.26.0
14.00.7
35.10.7
13.23.6
Print Media
18.6
14.2
65.3
Urban)
(Percentage)
2555
70.7
58.0
57.8
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
Visual Media
15.824.8
(Rural+
Uninsured(Rural+Urban)
1492817310228
38.022.48.50.5
52.030.020.00.0
57.322.118.12.0
37.012.512.53.4
10.05.11.64.2
34.516.09.82.3
22.611.31.52.2
10.016.90.65.4
0.046.02.00.0
34.024.02.02.0
17.116.01.23.3
7.30.00.00.0
6.04.04.00.0
0.00.00.00.0
15.01.53.35.5
54.00.00.00.0
1.00.33.60.0
27.36.80.00.4
3.510.01.01.5
19.21.80.21.0
12.35.43.33.3
8.70.02.611.3
16.52.61.62.3
6.01.54.52.0
10.315.74.02.1
4.010.81.82.3
39.129.79.012.8
5.37.86.82.3
30.716.01.34.0
14.97.62.06.0
32.318.31.80.6
56.08.00.04.0
14.113.14.33.5
18.610.23.92.8
Publicity vans
23.739.4
+Urban)
onInsurance
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
Panchayat
AllIndia
Insured(Rural
SourceofInformatio
n
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
Friends/Relatives
NorthernRegion
AllIndia
TableS4.2c:Distributionof
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
Rural camps
Corporate
publicity
Radio/Transistor
HouseholdsReporting
Investment
Untimely death
higher education
Economic burden of
Physical disability
Theft/Burglary
Accidents
Crop failure
43.48.1
71.231.3
12.817.2
0.06.5
3.12.1
0.02.2
2.67.7
2.12.1
20.858.132.519.5
2.030.82.76.
5
13.676.57.01.3
25.377.220.60.6
Punjab93.730.
9
Rajasthan93.321.
1
UttarPradesh99.613
.6
Uttarakhand100.01
5.9
4.40.0
70.533.4
0.05.0
4.17.7
0.00.0
0.018.0
0.34.1
6.414.9
11.847.40.00.0
20.095.020.00.0
14.558.13.816.4
0.013.80.00.
0
0.079.51.30.
0
0.047.30.30.
0
Meghalaya88.935.
5
Mizoram90.910
.0
Orissa99.216.
2
Sikkim100.00.
0
Tripura97.519.
2
WestBengal99.70.
0
3.36.1
4.30.3
2.51.3
1.37.7
385823
59.066.430.314.2
197874581159961
TamilNadu96.846.
9
Pondic herry100.061
.3
AllS ample10957245
4
Kerala98.829.
3
81.358.815.015.0
3.86.1
4.711.7
33.579.416.117.5
52.467.832.815.5
Karnataka98.639.
6
66542378
34.10.2
20.02.5
43.92.2
49.716.8
33.96.6
6.35.5
6.214.2
52.975.823.512.5
66.293.418.60.5
SouthernRegio n98.434.2
AndhraPradesh99.87.8
68.125.9
76.236.4
7.014.7
9.775.12.711.1
9.967.13.516.5
Gujarat99.617.
7
93.833.8
27.571.3
53.946.2
95.0100.0
84.325.4
90.020.0
53.311.8
30.59.4
96.511.8
Maharashtra98.133.
7
1.312.5
0.082.55.07.
5
Goa100.08.
8
8.825.0
27.521.321.31.3
Daman&Diu100.058
.8
10.268.64.312.8
3.911.2
17.859.2
5.574.86.314.1
Jharkhand95.716
.2
Wes ternRegion99.027.1
11.00.6
76.288.4
4.25.2
872138
0.00.0
0.00.0
4.10.0
2.20.0
84.90.0
19.20.0
4.30.0
3.40.0
1.30.0
15.00.0
5.128.2
11.30.0
2.00.0
0.00.0
0.023.7
3.40.3
12.80.0
3.91.3
31.710.
8
4.285.47.617.0
67.315.3
62.447.7
Chhattisgarh90.010.
8
3.43.9
1.211.0
8.178.13.08.
0
6.18.6
Bihar96.023.
3
86.830.0
8.944.112.33.7
Assam84.017
.1
8.63.2
0.00.3
5.60.0
1.21.0
7.21.7
2.21.1
10.44.3
2.60.3
1.60.0
16.455.44.63.6
57.217.0
89.93.7
44.835.9
58.110.1
76.537.0
Tax benefit
ArunachalPrades h95.842.5
8.463.94.99.
0
1.22.5
EasternRegion94.817.9
1.32.2
6.182.66.10.
4
17.576.517.53.5
MadhyaPrades h98.320.3
77.14.9
5.918.7
66.744.4
2.513.1
3.363.92.59.
8
2.662.62.820.5
HimachalPrades h96.611.7
16.46.8
Haryana97.326
.2
Chronic illnesses
Delhi95.330.
3
Others
15.174.08.25.5
Theft/Burglary
Chandigarh91.327
.4
10593226382671301093
99.459.354.066.122.2
100.065.725.755.747.1
95.732.535.167.220.2
98.230.426.281.915.7
95.511.33.670.629.9
97.636.730.971.123.0
98.432.72.966.64.8
99.820.91.473.24.5
100.014.32.984.30.0
100.070.01.421.421.4
99.129.32.367.65.3
100.09.30.234.84.5
95.762.70.064.20.0
100.00.00.057.10.0
100.07.33.070.77.5
100.071.24.187.79.6
97.252.10.043.70.0
97.719.62.080.75.0
94.613.22.686.45.7
97.211.61.863.32.5
88.819.310.659.316.9
88.032.30.449.410.9
96.117.32.763.06.5
98.24.71.571.912.4
99.67.71.578.14.0
97.318.40.440.03.9
95.426.316.536.230.2
98.910.11.878.012.0
93.37.11.590.415.8
98.324.40.962.80.9
96.437.00.782.26.7
98.636.210.172.513.0
Physical disability
1050
11.0
32.9
16.7
20.2
13.7
7.7
20.2
17.1
12.3
16.2
2.9
0.0
0.5
0.0
18.9
0.0
13.7
28.2
16.2
8.1
9.1
1.1
4.4
0.0
2.2
1.1
32.6
3.0
0.0
15.5
18.6
8.9
2.0
1.5
8.4
3.7
9.1
0.0
7.1
8.3
2.9
562 1081
8.0
0.0
9.9 5.2
6.0 14.6
10.9 9.2
20.3 12.6
9.4 18.0
0.0 4.3
7.2 10.0
8.0 15.3
8.6 35.7
0.0 14.9
0.0 1.7
0.0
3.8 11.4
0.0
3.2 11.1
21.1 52.1
3.0
1.8 11.0
2.7 10.2
3.6 1.1
2.7 16.9
0.0
1.8
2.7
16.2 23.1
3.0
6.1
1.3 10.1
3.2 25.0
4.1 9.7
11.6 14.5
5.3 10.2
higher education
Economic burden of
Chronic illnesses
7.2
13.0
6428
29.7
27.1
47.9
44.0
41.7
52.0
64.5
88.6
71.4
66.7
32.9
46.3
87.4
92.9
84.5
43.8
47.1
32.4
91.3
42.3
67.6
96.3
57.4
45.3
92.7
53.0
50.9
62.7
67.4
80.8
55.5
66.7
47.8
60.7
3167
1.0
0.0
12.5
4.9
6.9
10.9
35.8
62.9
44.8
42.6
74.3
49.3
85.5
94.3
30.0
69.9
26.0
46.5
12.8
40.4
39.7
17.8
29.9
41.2
7.7
33.4
36.2
28.5
36.8
3.4
54.1
31.1
7.2
29.9
Investment
9.9
Untimely death
98.115.92.873.79.5
11.6
0.0
0.4
0.0
0.3
7.0
0.4
9.4
4.0
2.5
9.5
0.4
0.6
0.0
0.0
0.0
3.1
0.3
0.6
0.3
0.0
1.5
1227
0.3
0.0
7.0
0.0
11.4
39.2
14.7
0.0
4.3
9.9
12.9
158
0.0
0.0
1.2
0.0
0.8
1.9
0.1
0.0
0.0
0.1
0.0
6.0 14.9
20.5 0.7
8.6
6.6
0.0
4.4
2.8
25.3
8.2
14.7
22.9
36.2
12.0
1.7
15.8
17.4
7.6
5.1
4.7
5.8
10.5
0.0
Others
97.521.47.867.310.3
Tax benefit
3.80.8
1.40.0
21551
98.2
100.0
97.3
98.4
98.0
97.4
98.3
99.7
100.0
100.0
99.0
99.9
96.6
100.0
99.6
97.9
95.6
96.6
92.2
96.6
86.3
95.4
91.8
99.2
99.6
95.2
94.5
98.6
95.1
97.7
96.1
97.7
94.7
97.2
4717
53.5
63.3
35.2
30.8
35.5
9.7
33.2
11.3
19.2
28.2
64.0
39.3
5.3
0.0
12.1
58.1
17.8
48.9
11.9
17.8
17.6
37.5
18.2
10.8
19.8
10.8
28.7
15.5
9.6
35.1
25.3
17.7
31.7
21.9
Natural calamity
8.01.3
% Households feel
61.517.6
2804
56.3
55.3
30.0
44.4
41.8
32.3
6.2
1.3
5.8
6.3
15.3
0.0
0.1
0.0
9.1
7.5
3.9
2.3
3.4
5.1
5.6
8.5
9.7
14.3
1.2
8.0
18.7
10.1
4.0
1.4
1.8
8.1
12.7
13.0
Crop failure
60.721.7
14588
66.3
57.3
80.6
67.5
73.4
81.1
66.8
83.3
74.2
68.1
21.3
72.4
40.2
34.0
64.0
89.3
77.6
44.4
85.9
71.1
63.4
52.4
51.5
74.8
35.2
77.3
47.6
77.2
86.2
76.9
62.7
70.4
73.2
67.7
Accidents
3.45.7
28.81.4
Urban
lAll(Rura
22522011
25.912.5
30.023.3
27.017.6
15.917.1
24.74.4
23.213.2
4.218.5
3.511.7
2.712.0
21.32.0
4.814.5
2.70.3
0.70.0
0.00.0
5.517.6
11.80.0
0.022.7
5.713.9
6.716.6
2.88.0
14.64.0
7.72.3
5.79.1
16.80.3
5.61.2
3.24.5
31.425.8
14.93.3
10.60.2
1.919.6
5.513.8
10.69.2
10.46.4
10.49.3
Physical disability
3.57.5
(Insured)(Percentage)
+Urban)
9471904
4.98.0
1.32.0
5.313.0
6.75.7
12.96.9
7.17.7
7.916.2
7.112.5
0.78.7
8.730.0
7.215.1
0.12.7
0.016.6
0.03.3
3.99.5
0.01.1
20.553.5
3.611.2
3.67.1
1.411.0
3.110.3
2.91.6
2.78.9
0.01.9
2.92.8
0.97.4
14.420.0
2.05.5
3.52.1
4.621.7
1.711.0
3.77.6
20.47.7
4.48.8
higher education
Economic burden of
Chronic illnesses
12.767.711.25.8
Reasons
21308
31.8
23.3
48.9
43.9
37.9
31.1
66.2
91.3
73.9
68.6
30.0
50.4
82.5
94.0
84.4
53.8
38.3
36.4
94.0
55.5
69.4
91.5
60.0
44.3
91.2
55.3
47.7
60.3
72.3
79.7
61.4
63.9
31.7
60.7
5545
0.6
1.3
14.8
3.4
6.7
8.4
31.1
47.3
40.3
38.0
72.7
47.6
86.7
97.3
27.5
59.1
17.2
39.8
12.3
27.1
35.5
24.0
39.0
23.4
5.6
24.6
36.0
18.7
36.9
3.8
48.9
23.8
7.0
25.7
Investment
18.168.110.68.8
Insuranceby
Untimely death
NorthernRegion97.419.3
Rural
Relevanceo
f
2099
0.2
0.0
4.5
2.2
15.2
60.2
9.7
0.7
3.8
7.1
14.0
5.5
16.4
10.0
4.2
0.0
3.9
2.3
18.8
5.9
11.6
14.4
33.9
5.6
1.4
10.4
12.1
4.7
8.0
3.8
4.1
6.9
0.7
9.7
Tax benefit
AllIndia97.022.
4
State/U
T
of
296
0.0
0.0
0.6
0.0
0.4
1.0
0.1
0.0
0.0
0.0
0.0
0.7
22.1
0.0
0.2
0.0
10.2
0.3
0.2
5.1
10.1
3.6
5.6
0.3
0.8
0.0
0.9
0.6
3.8
0.2
0.4
0.6
0.0
1.4
Others
Theft/Burglary
Accidents
Natural calamity
Crop failure
% Households feel
Natural calamity
% Households feel
84
Untimely death
education
of higher
Economic burden
Chronic illnesses
4.313.00.046.2
Investment
21.752.2
Tax benefit
0.012.5
Others
8.74.30.0
relevant
feel insurance is
% Households
50.012.512.
1.80.60.075.6
22.36.76.742.3
1.40.05.759.3
11.00.80.077.5
0.032.3
11.255.8
7.191.0
0.855.4
0.024.0
3.868.6
15.60.61.2
922.320.18.
2.84.32.8
3.41.53.8
14.00.00.0
MadhyaPradesh69.615.66.064.7
Crop failure
Accidents
Natural calamity
relevant
feel insurance is
% Households

7.00.03.072.8
0.04.50.031.7
1.83.71.846.5
0.00.09.91.6
15.20.00.033.9
16.70.00.084.0
95.00.00.096.7
16.80.022.483.3
79.50.00.092.7
8.062.7
0.081.8
3.720.1
39.598.8
3.072.7
2.988.5
0.085.0
5.661.5
0.076.9
1.06.01.0
4.59.14.5
3.79.10.0
0.00.039.5
1.50.00.0
2.217.42.2
0.00.00.0
0.011.25.6
2.60.00.0
Bihar50.021.95.077.6
Chhattisgarh27.513.622.763.6
10.71.12.175.7
3.20.00.073.3
0.00.00.060.0
2.40.00.062.6
29622302845
2.150.2
20.623.8
42.20.0
14.111.8
86961
513.916.07.
330.230.26.
52.831.710.6
530.623.53.
14715563
Kerala79.855.647.646.0
Pondic herry47.473.942.231.7
AllSample17473882511132
Tamil Nadu60.760.048.252.
9
Karnataka67.427.836.391.
8
AndhraPradesh2.00.050.050.0
5.91.21.255.2
3.561.6
8.18.18.1
50.0100.050.015.9
29.10.02.351.0
9.674.7
2.49.68.4
0.00.0
20.50.00.058.4
6.786.7
0.00.00.0
12.328.5
33.30.06.786.2
38.546.2
23.10.00.0
24.922.55.
9
53.87.70.043.3
8.668.0
6.17.67.1
0.00.00.0
SouthernRegion52.747.043.564.8
Maharashtra54.134.916.353.5
Gujarat59.34.87.277.
1
Goa75.013.30.073.
3
Daman&Diu65.061.50.015.
4
WesternRegio n58.122.310.262.4
WestBengal97.51.30.034.6
Tripura89.533.55.689.
4
Sikkim100.00.00.020.
0
Orissa86.216.71.544.
2
Mizoram41.837.948.597.
0
Meghalaya5.60.09.998.
8
27.40.51.555.1
12.08.024.127.9
0.040.1
8.08.08.0
Assam17.124.116.036.1
Jharkhand55.222.05.578.
7
6.538.90.06.5
0.090.7
0.00.06.5
23.90.92.954.3
ArunachalPradesh14.351.825.951.8
EasternRegion44.718.910.259.6
Uttarakhand62.56.012.078.
0
UttarPrades h73.716.314.874.7
Rajasthan44.07.10.052.
6
Punjab38.620.113.489.
3
2.17.32.3
35.110.82.758.9
0.062.2
2.00.00.077.3
49.30.00.074.7
0.050.7
Haryana67.738.80.050.
7
2.70.02.7
Theft/Burglary
4.534.31.5
disability
Physical
HimachalPradesh61.75.40.094.6
25.00.00.026.7
Natural calamity
272
49.7
49.7
570
27.8
45.5
51.1
38.9
36.5
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
35.1
12.0
42.2
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
Crop failure
12.71.81.167.5
1805
52.7
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
Accidents
16.91.31.759.6
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
Theft/Burglary
4.955.0
2.350.7
250119
13.61.8
72.211.1
27.312.5
16.98.4
15.03.0
19.76.4
15.09.8
10.613.1
7.73.9
0.07.7
12.110.5
0.00.0
4.08.0
0.00.0
14.96.0
0.00.0
0.049.5
12.90.0
15.85.3
2.80.5
3.817.3
0.00.0
6.33.2
0.00.0
1.02.2
2.10.7
25.215.8
1.11.8
0.01.9
25.01.8
23.01.6
12.512.5
6.02.6
8.84.2
Physical
Chronic illnesses
8.25.72.9
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
of higher
Economic burden
8.48.93.6
Urban
education
Chandigarh40.00.037.587.
5
(Uninsured)(Percentage)
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
Untimely death
Delhi71.921.70.060.9
byReasons
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
Investment
NorthernRegion62.816.38.769.8
Rural
RelevanceofInsurance
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
Tax benefit
AllIndia54.022.214.464.
8
State/U
T
TableS4.3b:DistributionofHouseholdsReporting
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
disability
Chandigarh
Delhi
Haryana
11.3
72.1
75.9
55.1
62.0
4593
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
52.1
54.3
58.7
Gujarat
94.2
WestBengal
Maharashtra
85.7
Tripura
81.6
98.0
Goa
84.9
Orissa
Sikkim
52.0
38.3
Mizoram
Daman&Diu
3.9
Meghalaya
56.2
9.4
50.0
AndhraPradesh
SouthernRegion
WesternRegion
40.4
30.0
Jharkhand
958
53.2
50.8
53.0
32.2
11.4
33.0
12.2
14.7
53.8
0.4
56.0
0.0
8.3
35.3
20.0
63.6
5.7
7.5
2.9
0.0
0.0
0.0
523
49.2
32.7
46.4
36.5
43.9
24.2
2.3
0.0
7.4
19.4
38.4
2.5
8.3
8.0
8.3
40.4
0.6
16.5
58.3
26.9
13.5
Bihar
11.4
5.4
18.8
0.0
1.1
1.1
4.1
16.6
0.5
7.5
5.6
Crop
failure
20.9
15.5
37.5
16.7
34.6
13.3
13.0
25.9
10.8
12.0
4.9
Natural
calamity
Chhattisgarh
23.5
Assam
50.1
10.6
Uttarakhand
32.0
51.2
71.9
60.0
73.2
40.7
53.2
76.0
71.4
ArunachalPradesh
EasternRegion
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
57.3
65.7
%Householdsfeel
insuranceisrelevant
HimachalPradesh
NorthernRegion
AllIndia
State/UT
41.5
4.7
54.2
64.0
73.4
Accidents
2938
52.8
50.8
52.3
83.9
85.1
64.7
58.4
75.9
80.9
65.9
30.8
53.4
50.0
61.7
73.3
77.9
82.6
71.6
50.1
42.9
81.7
27.8
81.3
70.2
53.1
92.2
69.8
71.2
45.1
79.4
73.9
2.5
8.5
7.9
392
28.7
58.1
31.1
16.5
25.0
2.8
6.3
19.2
0.0
2.4
9.2
4.9
11.5
1.9
1.7
4.8
8.3
0.9
2.4
0.0
0.0
0.8
20.7
10.4
6.7
8.8
5.9
Physical
disability
All(Rural+
0.0
10.7
3.4
7.8
11.9
30.5
2.4
3.2
10.5
Theft/Burglary
405
14.2
16.5
28.5
58.1
16.9
0.0
4.9
10.2
12.5
0.0
5.1
3.8
13.3
11.2
0.0
0.0
15.9
0.0
7.0
0.0
12.5
17.9
28.5
0.0
0.9
23.1
2.8
1.2
0.0
6.3
9.2
2.8
4.0
2.7
Chronic
illnesses
Urban)
TableS4.3c:DistributionofHouseholdsReportingRelevanceofInsurancebyReasons(Uninsured:Rural+Urban)(Percentage)
2.8
8.1
9.9
10.9
2.4
182
3.8
2.5
11.2
9.2
4.9
14.1
0.6
5.0
0.0
41.3
0.0
4.4
0.0
7.0
0.0
12.5
1.2
1.7
2.2
1.6
12.9
1.4
2.8
0.0
12.1
9.4
4.5
6.1
4.4
2.8
4.2
17.2
25.4
16.1
280
34.6
4.9
8.3
8.3
0.0
3.8
7.9
1.7
1.6
33.0
1.8
2.7
30.6
7.0
0.0
12.5
16.7
8.4
1.1
2.1
15.7
7.1
1.5
0.0
Economicburdenof
highereducation
30.3
76.6
48.3
21.9
3.6
15.0
2559
64.3
50.0
85.8
68.6
58.4
66.8
87.4
46.1
43.8
85.0
32.9
90.9
61.5
88.1
91.8
65.3
86.6
5.5
11.4
11.9
2.6
0.0
1.2
937
34.4
57.7
34.3
27.7
37.6
32.9
29.1
37.2
23.3
3.3
1.6
33.0
35.8
18.6
63.3
14.0
85.8
20.4
13.7
12.5
3.6
50.3
15.6
2.7
27.7
5.2
13.1
3.5
Investment
55.7
57.0
50.0
64.3
52.5
72.2
44.0
48.1
93.1
52.1
34.9
Untimely
death
1.4
3.1
1.1
2.1
2.9
14.2
1.7
0.0
0.0
0.4
96
11.5
0.0
1.9
3.8
0.0
10.2
0.3
3.3
2.4
0.0
0.0
0.0
2.0
0.0
0.4
6.3
3.6
1.7
5.6
1.1
16.6
0.9
2.3
0.7
Taxbenefit
1.0
0.6
4.2
1.8
0.7
2.8
2.5
0.0
0.0
0.0
82
0.0
2.5
0.0
0.8
4.9
10.2
10.7
1.7
4.0
16.5
0.0
0.3
0.0
16.3
0.0
0.0
0.0
0.6
2.2
0.0
3.7
1.9
0.1
0.7
Others
86
34.48
59.68
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
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
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
275
20.01
0.00
99.67
66.15
97.92
34.21
77.97
45.46
0.00
100.00
0.00
40.75
95.06
0.00
29.81
15.00
68.49
44.60
16.48
35.65
0.00
49.06
0.07
0.63
2.60
0.31
0.84
2.74
1.56
15.15
Haryana
13.75
35
15.63
Delhi
0.96
47.36
Chandigarh
17.94
13.89
them
AllIndia
NorthernRegion
State/UT
271
70.03
0.00
99.67
82.69
62.50
44.74
62.09
51.52
0.00
80.00
0.00
46.92
0.00
0.00
29.81
5.00
30.44
104.44
10.34
46.46
25.64
16.20
0.00
40.43
0.14
1.88
3.65
0.21
46.67
1.00
6.25
0.78
2.24
0.42
Rural
%ofHHs
Enjoy Companies
whofeel present
'swallow'
insurance insteadof
hardisnot securing
earned
future
money
relevantto
515
30.01
71.26
99.67
115.77
77.08
100.00
73.64
81.82
100.00
100.00
98.43
87.67
0.00
0.00
29.81
94.99
60.88
44.76
79.31
63.19
49.45
103.71
0.00
86.30
88.68
0.48
0.00
0.00
1.25
0.00
0.31
2.34
0.63
0.07
Donot
feelthe
need
124
10.00
47.51
99.67
66.15
4.17
13.16
14.44
0.00
100.00
20.00
0.00
8.64
95.06
0.00
39.75
5.00
68.49
14.92
24.14
16.73
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
Others
(Percentage)
899
4.81
6.67
3.33
6.49
65.7
30
20.57
34.93
6.9
40
5.03
31.16
10
3.33
5.88
30.71
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
169
38.50
0.00
75.08
81.96
35.68
53.16
39.76
31.36
48.31
41.67
11.04
43.28
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
373
77.00
99.95
100.10
73.76
23.30
33.22
33.83
40.90
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
Urban
%ofHHs
Enjoy Companies
whofeel present
'swallow'
insurance instead
hardisnot
of
earned
relevantto securing
money
them
future
TableS4.3d:Distribution ofHouseholdsReportingRelevanceof InsurancebyReasons(Insured)
381
61.60
49.98
100.10
57.37
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
716
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
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
Rural+Urban
Donot Others
%ofHHs
Enjoy Companies
feelthe
whofeel present
'swallow'
need
insurance insteadof
hardisnot securing
earned
relevantto
future
money
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
Donot
feelthe
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
2.33
1.20
7.50
0.78
0.25
0.84
0.73
5.48
1.10
0.35
AllIndia
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
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
Chandigarh
Delhi
Haryana
HimachalPradesh
NorthernRegion
Onlyfor
rich
State/UT
445
2.15
0.00
2.18
2.50
48.87
11.85
2.03
2.33
0.00
6.25
2.28
0.94
1.25
0.00
4.58
0.00
0.00
2.78
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
Onlyfor
middleclass
182
1.97
0.00
2.49
4.64
3.02
2.97
4.37
3.22
1.25
3.75
3.68
0.00
1.25
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
Onlyforpoor
class
Insured
9943
89.78
78.75
94.70
67.14
44.84
74.22
90.48
90.16
91.25
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
Forall
classes
33
0.00
0.00
0.00
2.14
0.00
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
0.29
0.15
1.25
0.78
None
435
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
Can'tsay
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
Onlyfor
rich
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
95
middleclass
Onlyfor
TableS4.4a:DistributionofHouseholds BasedonTheir Perceptionabout theClassto WhichInsuranceIsRelevant(Rural) (Percentage)
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
74
Onlyfor
poorclass
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
Forall
classes
Uninsured
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
None
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'tsay
88

0.36
2.81
0.95
3.32
2.58
6.21
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
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
Allsample
372
1.75
0.00
4.29
0.78
19.63
4.09
1.43
7.14
1.43
0.00
7.11
0.00
0.00
0.00
0.36
0.58
3.31
10.58
0.48
1.08
3.42
2.61
1.43
0.98
4.57
0.95
0.48
20.29
2.52
1.45
NorthernRegion
AllIndia
Onlyfor
middle
class
165
1.43
0.00
5.36
2.34
3.07
2.57
4.02
4.91
0.00
10.00
4.45
0.00
2.86
0.00
0.00
0.00
6.94
1.43
0.00
1.16
1.78
0.64
1.52
0.57
0.00
1.31
0.00
0.00
0.60
1.43
1.08
0.32
0.00
0.90
Onlyfor
poorclass
9664
86.19
98.57
88.93
71.29
68.10
78.70
89.67
88.75
95.71
78.57
89.06
98.33
94.29
98.57
83.89
87.50
56.94
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
Forall
classes
Insured
27
0.00
0.00
0.36
1.37
0.00
0.40
0.43
0.20
0.00
1.43
0.38
0.24
0.00
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
None
364
0.00
0.00
0.00
23.44
5.52
7.42
0.86
0.61
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
Can'tsay
TheirPerceptionabouttheClasstoWhich Insurance IsRelevant
Onlyfor
rich
State/UT
TableS4.4b:Distributionof HouseholdsBasedon
600
1.85
0.00
0.00
3.21
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
Onlyfor
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
Onlyfor
middle
class
(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
Onlyfor
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
Forall
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'tsay

0.95
2.79
2.32
8.98
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
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
816
1.94
0.00
3.16
1.68
32.73
3.15
0.67
6.67
1.33
0.00
5.69
0.00
0.00
2.00
ArunachalPradesh
EasternRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
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
2.42
1.32
4.67
0.92
0.67
2.01
0.67
6.41
0.75
0.56
1.34
3.01
Onlyfor
middle
class
348
1.68
0.00
3.83
3.54
3.05
2.77
4.19
4.01
0.67
6.67
4.06
0.00
2.00
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
19607
87.88
88.00
92.01
69.12
57.67
76.49
90.06
89.50
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
Insured (Rural+Urban)
Onlyfor
Forall
poor
classes
class
60
0.00
0.00
0.17
1.77
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
None
800
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
Can'tsay
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
Onlyfor
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
Onlyfor
middle
class
TheirPerceptionabouttheClasstoWhich Insurance IsRelevant(Rural+Urban) (Percentage)
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
State/UT
Onlyfor
rich
TableS4.4c:Distributionof HouseholdsBasedon
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
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
Uninsured(Rural+Urban)
Onlyfor
Forall
poor
classes
class
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'tsay
90

16.67
5.56
13.64
18.50
21.79
9.40
23.91
23.43
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
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WesternRegion
WestRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
2318
27.03
25.00
23.44
27.86
11.84
23.83
18.75
53.75
25.33
1.25
10.73
9.74
Rajasthan
UttarPradesh
6.58
14.92
Punjab
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
10.52
7.98
8.75
3.17
4.99
7.98
Insured
Protectiontool
Savingtools
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
Chandigarh
NorthernRegion
AllIndia
State/UT
5615
41.26
42.50
67.81
56.96
42.07
50.52
47.50
53.61
48.75
33.75
49.26
83.70
75.64
93.75
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
Both
TableS4.5a:DistributionofHouseholds BasedonTheir PerceptionaboutInsuranceasa Tool(Rural)
2179
2.70
1.25
0.94
5.36
0.25
2.62
21.41
14.80
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
None
(Percentage)
322
1.43
15.00
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
Savingtools
Uninsured
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
Protectiontool
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

6.10
Jharkhand
23.98
17.01
9.18
17.86
17.14
27.11
1007
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
2259
29.67
20.00
24.64
17.97
23.16
38.22
9.63
18.31
Maharashtra
SouthernRegion
7.14
27.46
5.71
10.45
Goa
Gujarat
3.10
WestBengal
9.89
2.86
Tripura
12.86
4.29
Orissa
Sikkim
Daman&Diu
15.03
Mizoram
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
Protectiontool
Insured
WesternRegion
1.47
24.66
Meghalaya
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
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
Savingtools
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
State/UT
5824
42.11
42.86
56.79
69.73
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
Both
TableS4.5b:DistributionofHouseholds BasedonTheir PerceptionaboutInsuranceasa Tool(Urban)
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
(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
Savingtools
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
Protectiontool
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
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
9.91
7.68
7.33
3.04
4.93
5.18
4.56
17.37
MadhyaPradesh
Punjab
34.74
17.21
8.25
29.13
25.53
31.36
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
Uttarakhand
EastRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WestRegion
Daman&Diu
Goa
Gujarat
18.08
23.13
29.94
9.51
12.50
24.67
28.00
2197
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
4577
28.43
22.67
24.00
23.71
8.46
20.83
Maharashtra
SouthRegion
13.33
50.00
19.59
3.33
3.49
15.27
12.25
12.59
11.33
Rajasthan
UttarPradesh
HimachalPradesh
Haryana
Delhi
Chandigarh
NorthRegion
Protectiontool
Savingtools
11438
41.71
42.67
62.67
63.06
49.72
52.69
44.24
52.69
66.67
37.33
48.39
87.01
76.35
92.00
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
Both
Insured (Rural+Urban)
3955
1.86
10.00
0.83
4.29
2.26
2.78
15.94
12.76
4.67
0.00
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
None
PerceptionaboutInsuranceasaTool(Rural+ Urban)
AllIndia
State/UT
TableS4.5c:Distributionof HouseholdsBasedonTheir
799
2.20
8.00
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
Savingtools
(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
Protectiontool
Uninsured(Rural+
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
Urban)
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
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
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
49.30
55.46
23.75
16.25
18.21
22.46
33.47
1.76
37.43
35.31
50.00
48.74
3267
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
4676
48.56
47.50
63.13
29.77
96.73
48.75
63.75
3.13
20.43
5.00
WesternRegion
2.50
Tripura
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
Part
271
1.08
2.50
1.25
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
None
Insured
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'tsay
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
abouttheExtenttoWhichInsuranceCan ReplacePhysical Losses(Rural)
WestBengal
19.22
Orissa
Sikkim
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
Full
State/UT
TableS4.6a:DistributionofHouseholdsBasedon TheirPerception
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
(Percentage)
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
None
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'tsay
94

48.65
68.46
15.18
19.49
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
64.79
100.00
59.71
42.62
58.69
58.80
45.39
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
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
4752
36.67
38.57
52.86
34.18
64.97
55.51
61.43
77.14
5.71
28.57
20.81
4.36
13.07
Bihar
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
Part
264
0.63
0.00
3.57
0.98
3.05
1.71
1.86
3.47
0.00
0.00
2.26
4.29
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
None
Insured
2674
0.32
0.00
4.29
27.73
18.74
12.51
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
Can'tsay
708
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
Full
abouttheExtenttowhichInsuranceCan ReplacePhysical )Losses(Urban
Assam
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Rajasthan
Full
29.23
37.41
17.14
16.34
31.71
14.29
50.83
24.29
10.93
AllIndia
NorthernRegion
Chandigarh
Delhi
State/UT
TableS4.6b:DistributionofHouseholdsBasedon TheirPerception
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
(Percentage)
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
None
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'tsay

54.25
50.33
23.33
23.33
16.95
23.43
36.99
11.57
32.71
31.50
46.00
48.16
6442
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
9428
27.92
28.00
39.50
29.43
56.71
51.90
62.67
6.22
20.89
3.33
WesternRegion
2.00
Tripura
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
Part
534
0.89
0.00
3.25
2.86
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
None
Insured
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'tsay
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
theExtenttoWhichInsuranceCan ReplacePhysical Losses(Rural+
WestBengal
20.57
Orissa
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
Full
Sikkim
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhandl
EasternRegion
ArunachalPradesh
State/UT
TableS4.6c:DistributionofHouseholdsBasedonTheir Perceptionabout
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
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'tsay
96

38.56
47.19
19.95
9.72
16.37
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
62.19
51.95
54.45
57.20
36.90
62.19
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
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
4863
47.58
48.75
96.98
240
0.36
2.50
1.25
1.78
0.00
0.94
0.78
1.25
0.00
46.43
0.00
48.75
0.88
1.56
33.75
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
None
Rural
73.75
16.25
25.00
38.91
25.78
57.89
15.82
Orissa
31.58
Meghalaya
10.00
Sikkim
29.59
100.00
55.00
Jharkhand
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
Part
Mizoram
12.12
Bihar
Chhattisgarh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
26.38
30.48
8.75
4.69
28.68
3.39
51.41
9.95
3.76
Full
AllIndia
NorthernRegion
Chandigarh
State/UT
Insured
3217
2.15
0.00
0.31
36.90
0.75
11.64
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
Can'tsay
264
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
Full
TableS4.6d:DistributionofHouseholdsBasedon TheirPerception abouttheExtent toWhichInsuranceCan ReplaceFinancial Losses(Rural)
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
Part
Rural
(Percentage)
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
None
Uninsured
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
Can'tsay

56.43
54.36
47.96
5.56
0.0
22.86
10.24
27.99
18.57
41.43
23.27
30.9
36.41
22.4
17.97
35
60
60.32
2979
Mizoram
Orissa
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
0.0
1.43
Sikkim
Tripura
4931
38.1
40
56.79
41.6
63.34
56.12
54.29
81.43
55.71
19.42
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
Meghalaya
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
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
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
State/UT
Urban
Insured
221
1.27
0.0
1.43
2.34
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
None
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
Can'tsay
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
Full
TableS4.6e:DistributionofHouseholdsBased onTheirPerception aboutthe Extentto WhichInsuranceCan ReplaceFinancial Losses(Urban)
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
Part
Urban
Uninsured
(Percentage)
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
None
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
Can'tsay
98

100.00
45.42
39.14
59.67
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
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
9793
42.54
44.67
78.40
54.40
52.50
50.95
51.33
77.33
58.51
54.16
11.33
43.33
61.54
19.00
9.90
73.38
60.42
21.14
13.00
55.00
14.55
Assam
47.33
39.86
24.10
21.52
39.91
53.90
36.51
44.78
46.74
40.30
Bihar
12.31
ArunachalPradesh
Part
44.18
40.41
Chhattisgarh
18.25
EasternRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
9.33
8.76
27.43
3.59
49.92
15.05
6.43
40.56
46.08
Chandigarh
Delhi
Haryana
HimachalPradesh
Full
26.89
31.00
AllIndia
NorthernRegion
State/UT
461
0.84
1.33
1.33
2.05
0.34
0.67
1.15
0.76
0.00
0.00
1.08
0.63
44.00
4.49
4.66
2.83
0.50
1.36
0.00
0.00
0.42
0.00
9.33
0.69
0.27
4.26
1.56
8.34
1.42
1.41
2.34
3.00
2.08
2.22
None
Insured
5952
1.18
0.00
3.33
37.47
7.87
12.98
2.67
14.67
24.86
17.99
9.82
20.37
66.13
31.50
54.82
27.47
0.00
29.75
55.33
40.67
33.11
19.63
34.00
50.69
48.20
70.63
8.62
22.71
55.64
13.25
4.84
38.46
26.85
26.36
Can'tsay
765
10.98
13.18
8.87
5.03
10.00
4.00
14.00
11.43
11.52
10.02
5.59
6.40
4.50
17.00
10.97
0.33
0.35
6.27
0.00
4.00
4.23
11.21
6.00
1.83
20.08
2.67
9.36
15.04
2.79
19.98
13.43
5.49
9.55
12.57
Full
TableS4.6f:DistributionofHouseholdsBasedonTheir Perceptionabout theExtent toWhichInsuranceCan ReplaceFinancial Losses(Rural+
Part
49.84
16.51
15.58
2.00
8.05
1559
56.00
36.00
23.43
25.43
21.13
11.80
27.61
4.70
7.50
8.86
7.49
82.39
18.80
6.00
8.00
28.46
26.92
20.00
19.51
16.87
9.33
7.02
39.85
8.63
17.41
5.47
20.96
19.46
15.06
0.96
8.26
2.51
0.00
0.73
256
0.00
0.00
0.57
0.22
2.93
25.47
5.05
2.86
3.50
3.80
0.33
0.35
0.50
0.00
12.00
0.00
0.33
14.00
4.27
0.00
4.00
2.01
6.39
1.27
3.79
13.93
3.51
3.20
3.91
None
Uninsured
Urban)(Percentage)
36.01
66.36
76.88
88.00
80.24
5431
40.00
50.00
64.57
62.83
65.92
57.14
60.94
87.93
72.00
76.37
91.86
16.90
74.44
94.00
76.00
67.31
61.54
60.00
74.39
63.05
84.00
81.61
38.72
87.31
58.82
67.16
70.04
67.80
68.46
Can'tsay
Householdsby
Tax benefits
Appreciation
Transferability
Easy liquidity
0.007.8113.28
11.7264.3422.19
1.2619.3323.11
0.6349.588.23
92.9922.6
96.3014.2
0.424.06
16.9339.32
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
10.7416.6915.99
20.8910.6221.58
0.421.25
0.310.94
11.2914.44
UttarPradesh
Uttarakhand
EasternRegion
6.2613.8910.51
9.0613.7527.81
23.448.9813.97
31.580.0026.32
5.4749.537.66
0.000.0011.25
2.502.505.00
0.314.0619.06
6.638.14
61.2534.0
2.747.98
30.0010.5
27.2750.00
30.6324.38
0.000.00
7.505.00
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
23.7531.2528.75
1.2550.0010.00
9.2949.8211.96
21.2546.25
512.508.7
99.2915.8
16.5428.39
27.5021.35
16.5818.34
25.6730.66
24.6116.51
22.5030.00
39.4615.71
12411624
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
115231772162
21.6120.8931.61
26.2527.5035.00
41.4329.6061.06
22.2815.8616.58
3.271.7679.40
21.2017.5042.19
9.2037.6021.06
9.6342.9817.12
3.440.63
13.5923.14
WestBengal
WesternRegion
54.550.0040.91
17.183.9626.21
518.156.8
10.3520.70
ArunachalPradesh
0.6339.692.81
0.2132.0410.54
2.973.28
Rajasthan
0.4735.472.34
47.1417.9737.50
11.2513.751.25
6.257.03
Easy
13.7547.50
marketability
Delhi
0.00
3.752.50
1.25
31.462.80
5829135
36.610.54
37.500.00
675
0.71
0.00
4.63
46.171.78
69.600.75
45.421.30
69.730.16
81.250.54
82.500.00
57.500.00
1.76
0.00
1.25
0.71
2.96
2.14
1.76
74.500.29
7.500.94
1.2525.00
14.38
13.75
30.00
70.94
45.450.00
35.781.25
15.79
1.75
0.00
1.00
68.420.00
35.660.00
50.632.19
52.573.00
9.59
15.42
40.752.20
13.80
3.59
0.28
0.63
12.24
3.78
0.21
10.22
0.00
69.860.34
40.682.19
59.380.00
75.100.00
52.660.63
42.712.08
56.150.31
14.295.88
36.410.25
42.190.00
11.25
Any other
1.252.50
benefits
5.97
2.98
1625
2.32
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
Can't say
55.500.67
3.348.84
3.572.14
2.862.86
363960
0.005.00
0.000.00
258470
0.002.53
5.042.88
3.802.53
2.887.91
0.001.96
2.922.08
2.940.98
2.5212.58
2.923.75
1.4322.14
0.0025.00
10.0015.00
0.008.81
0.003.57
0.000.00
5.005.00
2.3617.40
0.003.75
0.295.90
1.251.25
0.000.00
2.509.38
12.030.00
1.100.00
9.093.03
0.005.00
2.992.49
6.850.00
3.701.85
4.312.55
0.0025.00
0.0013.41
0.634.38
25.0016.38
0.0018.75
0.003.33
2.0243.43
0.003.13
0.000.00
2.7515.88
0.000.00
Transferability
0.000.00
0.000.00
3.755.00
20.2519.62
0.000.55
0.003.03
0.001.25
1.000.50
9.592.05
2.780.00
4.633.91
1.250.00
0.560.00
0.000.00
13.4522.4
0.000.83
0.005.00
03.0310.1
9.386.25
5.000.00
1.123.78
2.384.32
Easy liquidity
10.1928.1119.13
(Percentage)
Appreciation
5.3636.6612.43
ofSavings(Rural)
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
3.078.80
-visOther Avenues
0.00
0.00
0.71
1752
37.41
6.86
34.51
40.00
35.00
37.86
30.82
12.50
6.96
5.63
0.00
0.00
0.00
17.17
11.05
8.75
13.93
6.16
14.81
1.25
9.34
20.69
14.38
36.31
5.00
5.83
15.63
28.28
0.00
16.13
19.57
emergency
10.9814.37
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
No benefits
51.581.19
Usefulness in
Insured
ofInsurancevis
emergency
No benefits
TheirPerceptionaboutBenefits
0.29
0.00
0.00
0.00
0.63
0.42
0.00
0.00
1.27
0.00
0.71
319
10.00
10.00
46.25
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
20.00
2.93
2.32
benefits
AllIndia
NorthernRegion
Chandigarh
State/UT
TableS4.7a:Distributionof
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
Any other
Usefulness in
marketability
Easy
100
HouseholdsbyTheir
Perceptionabout
dInsure
sBenefit
Tax benefits
24.43
13.1471.71
0.3232.2
0
0.3631.9
0
1.7111.43
2.865.24
1.556.30
16.2940.57
3.756.25
1.032.70
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh

27.40
18.21
14.29
21.43
33.57
32.86
5.71
14.8617.43
13.700.0
0
47.950.0
0
6.6153.2
1
0.000.00
1.437.14
0.241.43
8.6548.3
8
20.0051.43
0.0082.8
6
3.0658.9
8
13.0214.76
11773029
4.007.43
13.709.5
9
90.4161.64
35.7130.89
0.000.00
2.862.86
1.190.95
9.9320.8
4
21.4337.14
4.292.86
5.1014.0
8
12.7325.75
24.6618.20
15.6815.07
21.6825.98
18.9320.36
11.4327.14
38.1012.38
1276160
2
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
25.7137.14
39.2937.86
3118
52.86
60.00
61.79
15.43
42.16
6.7211.20
16.4110.94
42.06
44.21
27.76
35.52
24.00
42.14
17.6015.83
12.3037.20
24.66
10.3616.79
2.8634.6
4
Chhattisgarh
12.82
14.3918.23
3.287.83
Bihar
39.86
0.00
0.32
31.431.43
29.843.97
737
1.79
31.072.86
5721159
1.76
56.051.76
1.06
42.973.43
1.02
2.58
71.240.72
54.585.09
1.02
73.880.20
4.29
0.00
55.710.00
78.570.00
1.96
59.05
71.780.45
8.810.00
47.14
61.43
15.710.00
1.4330.00
10.89
6.78
1.75
8.57
0.97
6.00
3.33
0.59
4.00
2.50
0.16
0.72
18.53
4.15
18.36
15.10
1.43
2.57
16.44
15.07
40.000.18
45.210.00
1.3741.10
37.140.29
50.003.93
36.041.00
47.830.48
55.270.32
37.06
17.877.9
7
11.1129.47
Assam
37.063.1
9
46.0117.57
ArunachalPradesh
36.991.35
0.722.15
15.5817.62
Uttarakhandl
EasternRegion
76.340.00
78.430.00
54.290.54
45.431.43
75.150.00
33.8113.33
39.140.86
51.620.32
30.000.00
63.490.95
26.44
Usefulness in
12.19
emergency
13.7117.68
0.3640.7
1
46.8626.00
1.5539.3
6
0.9518.1
0
78.5718.5
16.1712.0
Easy marketability
3.259.09
Easy liquidity
12.8641.43
Transferability
Delhi
Appreciation
Chandigarh
No benefits
52.651.46
Any other benefits
28.70
22.06
21.43
16.88
30.86
30.48
17.84
50.57
4.46
1367
4.60
1.43
4.29
9.77
17.72
9.03
2.29
1.63
0.00
0.00
1.81
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
Can't say
10.8327.88
120
2.59
0.00
0.83
10.64
1.44
3.79
3.65
2.86
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
Easy marketability
96.0835.0
237
1.48
3.33
4.17
12.77
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
Easy liquidity
3.248.94
visOther Avenues ofSavings (Urban)
(Percentage)
162569
3.705.93
0.003.33
010.007.5
6.916.38
0.961.91
4.535.14
03.3218.6
40.9527.1
70.0046.6
33.3313.3
42.2822.9
0.001.67
0.000.00
0.000.00
20.0010.4
2.360.79
0.000.00
3.332.67
2.503.33
4.365.70
5.382.15
1.150.00
2.223.68
00.0043.8
90.1914.2
0.429.17
39.3312.67
60.2823.9
0.001.11
08.0050.0
1.523.79
3.330.00
64.2518.6
3.3911.92
Appreciation
11.7414.74
dUninsure
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
AllIndia
ofInsurancevis-
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
emergency
0.83
0.00
2.59
916
39.75
30.00
70.00
51.43
29.57
11.51
14.35
29.79
0.00
0.00
0.56
10.24
14.17
8.67
2.36
12.08
12.50
3.31
7.87
4.60
2.69
21.73
33.33
14.58
41.00
6.67
16.67
36.67
0.00
No benefits
19.19
26.01
3.41
1.27
0.00
0.76
2.00
1.11
0.28
5.33
3.33
0.00
0.83
8.06
0.00
1.08
6.04
0.83
0.67
0.79
0.00
3.33
50.00
26.67
40.56
0.53
0.00
3.33
0.00
0.66
1.22
1.44
2.13
0.00
3.33
0.74
163
Any other benefits
NorthernRegion
State/UT
TableS4.7b:Distributionof
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
Usefulness in
Transferability
0.94
16.62
MadhyaPradesh
Punjab
Easy marketability
12.40
32.56
10.71
5.06
2.00
ArunachalPradesh
Assam
Bihar
Chhattisgarh
4.00
0.81
75.79
33.00
0.00
5.33
Mizoram
Orissa
Sikkim
Tripura
27.01
19.75
21.33
8.67
7.33
14.55
26.06
16.09
23.77
21.96
17.33
38.74
2517
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
3226
13.95
28.67
18.30
28.42
16.54
15.05
6.00
42.00
22.01
2.16
11.78
WestBengal
WesternRegion
0.00
27.42
58.95
9.78
7.72
3.33
10.87
Jharkhand
Meghalaya
34.33
7.99
24.88
1.50
16.01
0.50
13.40
1.92
Uttarakhandl
0.70
EasternRegion
3.33
Rajasthan
UttarPradesh
HimachalPradesh
Easy liquidity
Haryana
Tax benefits
232962065280
17.0617.6542.86
26.0032.0046.67
40.4333.4461.40
19.4813.5116.03
5.176.9758.83
19.3716.6542.12
10.8237.3933.13
6.3854.1019.33
0.6765.338.00
22.0040.6730.67
9.1445.6526.21
0.272.5727.30
2.004.6712.67
0.000.0012.67
6.0051.2512.58
49.470.0030.53
17.390.0025.00
19.4412.9218.64
9.6715.1734.50
10.0615.9211.59
17.515.8832.72
29.266.7829.59
12.2017.1821.13
0.5036.067.18
0.2632.1117.02
0.4237.923.33
47.0021.8043.73
1.0544.8112.72
1.1218.7526.56
12.3867.7826.23
4.3610.7815.83
emergency
4.6714.6717.33
11550
33.03
34.67
31.28
50.89
61.30
44.17
70.52
77.81
80.67
56.67
73.16
No benefits
Delhi
294
2.35
0.67
2.83
1.77
3.15
2.38
0.45
Any other benefits

1412
0.50
0.00
1.50
3.26
2992
3.53
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
Can't say
6.37
2.39
10.00
0.69
8.26
3.57
0.39
8.31
3.08
0.22
0.67
16.13
6.78
16.82
7.99
0.67
1.73
16.30
11.58
12.75
36.00
38.00
64.19
1.86
0.00
2.67
0.86
2.76
1.59
1.35
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 marketability
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
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
Easy liquidity
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
+ Urban)
3.37
3.66
2.00
1.22
5.62
0.00
0.17
833.0
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
Transferability
5.7035.9117.05
Other Avenues of Savings (Rural

Uninsured(Rural
(Percentage)
Urban)
15.36
27.82
14.50
39.13
21.871.00
10.26
4.22
1.031.03
1.204.22
476855
4.633.66
4.006.00
4.529.05
4.893.98
1.935.14
4.015.01
16.5211.30
25.146.86
38.000.00
14.0028.00
20.889.89
2.313.46
0.002.00
0.002.00
10.001.50
0.3512.28
1.620.00
2.814.02
4.008.00
4.412.00
0.50
0.00
1.95
1438
37.80
34.00
56.00
46.00
30.00
11.87
11.90
33.03
0.00
0.00
0.38
10.75
7.47
8.42
12.83
11.00
12.05
2.49
8.52
3.183.85
36.320.00
13.943.01
7.251.50
14.2936.47
6.00
2.006.67
47.3922.49
3.664.88
16.46
33.33
0.00
0.004.00
17.577.12
17.95
23.49
+
Usefulness in
10.675.94
Tax benefits
10.5128.0023.82
+Urban)
ofInsurance vis- -vis
emergency
514.5
8.86
744.6
8.49
417.4
410.0
5.11
239.9
4.67
lInsured(Rura
PerceptionaboutBenefit
s
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
No benefits
11.35
3.15
313.3
4.13
2.40
4.69
byTheir
3.22
1.68
8.00
0.61
2.41
2.67
0.17
6.39
3.50
0.22
0.50
6.79
1.03
2.11
3.61
0.50
1.20
1.95
2.11
3.00
34.00
20.00
42.31
0.44
0.00
2.00
0.00
0.65
0.93
0.96
1.22
0.50
2.00
0.73
258
Any other benefits
AllIndia
NorthernRegion
Chandigarh
State/UT
TableS4.7c:Distributionof Households
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
Appreciation
Usefulness in
Appreciation
Transferability
101
102
ofHouseholdsbyTheirAwarenessand
Security purposes
Policies
about lifeinsurance
% of Households aware

90.2669.6036.2421.92
95.9969.4549.838.51
96.7862.0523.5321.74
97.7880.0430.016.67
96.7795.7267.446.53
99.6773.4154.2610.03
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
11.4751.60
10.3464.83
17.0731.60
2.2839.7
7
99.3328.2034.9927.07
98.8839.4083.5141.47
99.6749.4153.5946.58
98.0023.8159.8626.53
99.6667.8874.9657.93
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
215531320010556414
8
99.3146.5264.3243.45
AllSample
99.6365.0949.7415.43
Maharashtra
SouthRegion
0.17
1.1010.54
25549363
32.8815.94
4000533
0
202
0.00
0.33
40.1412.93
9.5213.86
27.5524.87
54.4231.97
0.66
2.9230.44
41.9418.66
0.52
1.02
18.2127.53
61.8358.55
24.2314.04
33.3818.24
25.0234.91
0.22
0.10
6.5754.76
14.7645.39
0.00
1.3475.84
17.8130.67
18.1212.08
100.0070.9548.8612.9
5
99.3394.6343.636.04
Gujarat
Goa
0.00
0.15
11.4122.82
10.6249.50
0.14
34.9036.91
22.3632.09
12.5789.46
22.00
99.3367.1273.8310.74
13.3844.32
3.3357.33
10.0094.00
17.3332.00
5.6924.50
6.6731.3
3
7.613.26
1.0977.2
3
20.0747.49
5.5645.58
60.0345.58
23.7961.64
6.3351.73
29.586.0
5
5.9847.61
12.1540.46
19.3410.92
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
99.7469.1450.3913.68
Children s education
Daman&Diu
100.0023.5144.1916.8
9
100.0088.002.676.67
4.0636.38
64.9123.8
30.3743.26
10.7940.70
13.3235.81
1.6344.82
11.0544.59
47.3725.8
27.9216.3
8.2376.29
5.332.91
69.0814.6
3.6927.73
22.5430.46
28.8042.98
6.3548.47
32.4937.31
9.7227.78
16.6722.22
324.473.5
Tax benefits
WestRegion
WestBengal
Tripura
100.0034.0060.0016.0
0
80.4270.2029.6515.47
Assam
Sikkim
93.9864.5740.7114.42
94.3473.2446.962.10
EastRegion
98.6636.5560.925.08
Uttarakhand
ArunachalPradesh
99.0761.6946.6812.29
96.0457.1746.5324.54
Punjab
97.2375.1725.378.74
99.5052.8546.436.19
MadhyaPradesh
Rajasthan
92.1783.0765.871.45
UttarPradesh
97.4777.0571.1740.03
Haryana
HimachalPradesh
97.4784.7145.6529.41

96.0057.6452.089.03
Daughter's marriage
Delhi
Chandigarh
Risk coverage
11.8543.44
Others
9.9744.12
4985
84.88
80.00
89.95
65.03
53.87
73.05
73.70
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
policies
12.2220.98
(Percentage)
2590200
1
62.0765.23
57.5027.50
52.5158.10
24.4571.48
16.7150.74
43.5961.11
54.5743.66
61.7536.84
87.2340.43
71.8859.38
60.4641.40
38.0330.1
782.612.1
39.5856.25
62.8753.09
76.5735.16
86.1123.48
51.7511.36
46.6737.78
50.9531.90
11.419.70
44.8823.94
47.3831.56
33.6344.85
63.6634.91
33.2633.26
51.2241.40
48.4926.48
67.8433.92
92.8666.07
65.0928.57
92.8621.43
60.5638.10
51.9540.14
18.5624.73
+Urban)
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
Daughter's marriage
98.0165.0349.3014.12
eLifeInsuranc Policies(Rural
Uninsured
551900
24.1418.68
07.5040.0
26.2620.67
24.4513.64
8.365.97
20.6916.99
12.9825.37
10.1818.25
4.268.51
012.500.0
11.2420.20
14.0249.0
4.352.17
50.0018.7
08.9431.3
53.1339.8
42.1513.85
317.678.8
03.3330.0
11.967.98
2.285.13
32.9926.9
10.2023.69
0.0011.21
3.258.12
02.8212.4
28.0731.57
2.799.48
4.634.63
07.1425.6
726.993.1
14.2914.29
76.7612.9
11.0518.05
97.2361.2448.9819.25
of
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
Tax benefits
AllIndia
Insured
ViewsofBenefits
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
Risk coverage
NorthRegion
State/UT
TableS4.8:Distribution
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
Childern's education
Security purposes
about life insurance

% of Households aware
illness
31.4340.18
0.00
8.41
48.3636.36
15.8811.66
UttarPradesh61.58
Uttarakhandl77.16
27.0316.35
50.2615.03
28.675.16
8.8211.34
61.694.64
39.2610.97
66.676.67
18.463.36
45.5013.74
29.929.94
7.34
8.29
16.06
0.00
2.65
1.95
0.00
25.17
0.00
7.56
56.3922.02
73.5834.72
46.4419.50
41.5768.03
46.4333.83
74.8636.09
50.003.33
28.5236.91
Bihar29.97
Chhattisgarh48.25
Jharkhand34.88
Meghalay a39.69
Mizoram83.75
Orissa51.26
Sikkim30.00
Tripura59.60
32.0112.13
25.218.65
9.00
11.15
52.7241.21
Maharashtra59.75
67.091.01
11.4118.89
20.253.43
13.751.25
13.757.86
23881279
1.76
9.27
10.59
32.50
16.96
630
52.7646.23
6.2413.55
18.6942.37
27.5053.75
35.8946.07
34112837
AndhraPradesh83.20
Karnataka29.61
Kerala42.86
Pondicherry57.00
TamilN adu44.92
AllSample7438
27.5036.30
32.548.99
6.61
41.5336.51
Gujarat54.00
463
0.18
0.00
3.43
1.43
0.50
1.05
1.15
0.00
0.00
9.437.55
1.89
86.7928.30
Goa53.00
SouthernRegion48.60
0.00
14.040.00
7.02
5.21
0.52
43.8677.19
49.6940.79
57.05
3.33
1.22
5.31
66.77
32.27
4.54
4.00
0.52
10.32
14.29
2.50
2.45
17.47
15.57
5.59
3.27
0.36
7.78
10.77
Daman&Diu 57.00
Wes ternRegio n56.82
31.7523.22
21.9515.64
14.13
40.3722.71
Assam66.05
WestBengal52.75
19.6930.59
33.9314.30
15.50
62.8638.97
Ar unac halPr ades h59.6 6
54.7930.54
23.0115.25
0.72
50.3957.86
Rajasthan26.79
EasternRegion47.23
9.806.53
0.00
51.2455.90
46.5838.51
14.199.10
29.0832.66
28.383.27
28.773.06
22.503.75
28.574.29
Punjab64.40
74.2326.20
4.29
2.50
3.06
4.37
0.55
36.34
MadhyaPrades h60.47
24.4980.81
HimachalPr ades h30.7 4
illness
Haryana32.67
Protection against critical
81.2570.00
Protection against all
32.8634.29
Only OPD
Chandigarh70.00
Cashless facility
Delhi50.00
Others
3.8056.11
health insurance
6283877
0.0053.39
0.0043.00
0.3148.50
0.7122.60
0.0063.04
0.2647.03
1.2674.07
3.4467.10
0.0058.00
0.0043.00
1.9768.99
0.9564.99
13.4267.00
0.0044.90
0.2465.07
0.0082.50
0.0070.26
2.8741.67
3.6357.50
4.3442.86
9.0869.15
0.0065.04
3.2658.26
7.4569.90
2.8961.64
8.8732.73
0.6264.93
13.0955.72
12.0148.15
0.0034.80
1.2559.77
0.0066.00
5.9354.58
49.05
80.46
18.00
23.78
46.20
74.53
27.01
69.23
24.08
48.98
4331
46.35
40.00
23.93
5.27
43.58
52.38
31.67
43.86
82.76
44.19
32.06
50.43
37.31
60.13
64.16
57.58
27.04
48.48
60.87
2137
60.63
51.43
47.50
7.42
23.63
35.55
50.36
43.43
24.14
69.77
15.13
47.38
20.90
2.23
27.28
32.12
74.72
17.28
41.30
27.53
20.25
39.90
6.92
57.12
22.89
25.40
32.99
73.03
24.32
51.95
52.91
60.34
24.24
65.15
48.12
37.95
39.24
49.35
48.31
illness
6.23
6.41
Insurance
illness
32.1117.20
Health
nUrba
Policies(Insured)(Percentage)
105552125712763
23.3328.738.890.000.16
25.7112.860.000.000.00
26.4310.716.430.000.71
6.4512.8916.020.980.20
4.2836.869.571.220.6
1
14.7823.5510.240.550.3
5
12.2931.8615.120.811.2
2
6.8128.5312.350.212.98
6.903.458.620.000.0
0
11.6320.930.000.000.00
10.0729.0713.350.531.7
5
0.0055.3917.443.850.51
16.4223.881.4956.721.4
9
0.0093.5422.270.000.00
3.4646.3010.760.380.19
24.2493.9418.180.610.0
0
0.009.2519.9383.260.00
9.1238.4011.042.882.88
15.6550.0011.741.743.9
1
4.6733.133.276.308.6
3
7.4714.7011.5719.282.8
9
0.7717.3012.3046.130.3
8
6.2039.4411.8014.362.4
2
0.0030.4046.854.294.29
0.8127.0421.630.452.07
1.9118.3315.283.061.53
36.9641.8920.643.700.3
1
2.5429.3131.418.087.93
2.0819.3825.614.852.77
0.5726.449.201.724.0
2
4.9419.7737.261.521.52
12.1231.8222.737.584.5
5
5.7229.6327.743.573.61
9.2633.5818.226.192.48
No benefits
27.3622.09
Benefitsof
16215
571.4
26.11
845.6
50
949.6
50
55.5
460.5
767.6
647.7
862.4
567.5
236.4
852.8
638.2
155.0
683.0
658.1
737.3
263.3
860.0
363.2
68
757.1
333.7
639.4
958.0
664.6
429.7
161.6
473.5
952.8
353.7
254.1
health insurance
8.47
4.63
Views of
3551
65.28
53.00
44.33
18.60
53.77
52.54
50.86
42.83
84.68
44.00
31.96
50.13
33.16
56.19
68.88
52.28
32.27
47.57
66.66
46.68
48.98
68.02
19.89
53.17
50.63
49.18
50.11
18.94
71.20
25.79
76.09
48.53
47.75
42.86
illness
37.4733.84
Rural
Awarenessan
d
2829
85.15
82.00
83.73
33.92
36.16
46.80
60.36
40.35
26.13
74.00
17.98
44.59
28.43
2.68
31.16
32.95
72.26
18.30
38.29
25.26
21.47
22.21
17.00
27.63
34.67
59.26
51.04
16.14
21.19
80.64
53.93
29.41
38.03
36.52
illness
45.8638.14
Their
Rural+Urban
66224471320
32.9535.3413.84
47.0020.001.0
0
035.3030.379.3
24.6239.3958.82
3.2755.526.76
22.3941.5516.83
11.0031.9413.96
56.7330.3210.8
4.506.318.11
9.0017.000.00
9.0129.4311.91
50.0051.9316.1
720.5321.322.3
60.0082.9516.0
52.7943.2010.8
13.9478.5711.72
0.009.0916.82
612.2833.988.3
12.2950.1113.24
5.7730.628.65
10.7318.2613.57
17.8018.4121.0
7.1637.0212.8
9
40.0030.9443.3
0.7725.0218.4
4
1.0514.5011.35
36.6544.2329.54
61.5129.1932.0
52.9722.8816.9
1.7827.576.23
44.3720.4129.4
8.0930.1513.2
4
5.1728.4824.9
0
58.9032.9017.7
Cashless facility
NorthernRegion53.63
Householdsb
y
1.28
3.83
3.28
0.00
0.13
461
0.00
0.00
0.12
0.90
1.53
39.41
12.09
5.35
1.18
6.27
77.26
2.85
0.75
1.34
56.85
4.33
0.53
11.03
1.75
2.08
9.75
11.98
4.64
3.15
0.41
6.12
12.79
6.20
4.99
Others
AllIndia51.16
State/UT
TableS4.9:Distributionof
1.17
1.91
1.37
0.00
0.25
230
0.00
0.00
3.19
1.23
0.97
0.20
5.92
6.86
3.78
2.88
0.00
0.00
0.21
0.00
7.11
0.67
1.85
2.21
1.46
2.08
6.36
10.62
0.46
4.83
2.48
5.95
2.78
3.09
4.77
No benefits
Only OPD
% of HHs who have heard of
Others
Cashless facility
Only OPD
No benefits
health insurance
104
Dont know
Advice of agent
Voluntary
2.500.630.940.630.00
36.2555.78
24.9078.36
0.0075.31
Rajasthan46.88
UttarPradesh44.04
Uttarakhand35.31

5.240.751.000.250.00
21.9562.59
31.5857.89
0.0090.91
57.0372.50
3.7561.25
28.7587.50
30.6380.31
Jharkhand45.64
Meghalaya10.53
Mizoram22.73
Orissa24.69
Sikkim71.25
Tripura45.00
WestBengal60.94
52.1468.04
61.1581.28
Gujarat46.61
Maharashtra48.83
18.6922.123.741.250.31
26.2517.500.001.250.00
57.0184.42
57.5087.50
63.0481.25
46638618
Kerala37.07
Pondicherry23.75
TamilNadu44.64
AllSample4765
707129729913677
20.186.071.790.710.1
8
14.808.732.851.432.3
2
62.5772.37
Karnataka42.07
31.412.012.010.000.2
5
82.1692.46
20.949.172.400.890.8
3
2.5018.723.901.400.0
0
3.5720.186.253.210.1
8
2.5012.501.250.000.0
0
3.7528.750.000.000.0
0
3.0119.544.481.980.0
7
0.940.940.000.000.00
8.756.256.2510.006.2
5
2.500.000.000.000.00
3.5951.410.940.310.1
6
27.2731.8222.730.000.00
26.325.265.260.000.0
0
AndhraPradesh0.75
65.6381.77
70.0080.00
Goa13.75
SouthernRegion32.66
67.5055.00
Daman&Diu46.25
58.3474.21
1.567.501.563.130.63
31.5698.13
WesternRegion45.70
1.384.881.001.000.50
32.2980.48
Bihar55.57
Chhattisgarh33.44
1.9816.084.631.545.2
9
10.5765.64
Assam38.99
1.7124.320.685.480.6
8
56.1684.93
2.8316.191.661.521.1
1
5.003.852.191.350.42
33.6776.60
0.143.332.500.070.14
57.8171.88
Punjab55.21
EasternRegion41.87
17.1933.075.991.560.26
0.313.130.000.780.63
30.4289.79
8.8212.610.004.202.1
0
4.744.9912.720.750.5
0
0.788.590.780.003.13
0.006.250.000.000.00
MadhyaPradesh22.92
Advice of friends
21.8573.95
Through employer
35.9175.31
Advertisement
HimachalPradesh60.08
financer
Haryana78.05
Requirement of the
14.0625.00
Other sources
76.2546.25
Voluntary
Chandigarh50.00
68.5764.294.2911.43
28.8679.432.002.57
52.57
11.4352.860.000.00
17.1482.8617.140.00
87.14
75.71
68.5768.4126.676.83
439779406981715
5134
45.7171.4314.2911.43
63.5779.6431.4313.57
58.7976.5613.485.08
69.2579.2315.0719.96
44.44
62.86
32.50
43.95
9.78
64.7074.8920.6310.74
61.3776.683.7224.32
42.4563.061.8423.47
52.65
49.93
34.69
81.4344.291.4360.00
64.2957.142.8625.71
4.29
42.86
55.6168.922.8625.96
19.7664.760.240.48
53.5777.504.4662.32
23.04
75.71
48.16
79.4583.5624.660.00
23.29
75.3464.3816.4435.62
27.5091.794.299.64
46.07
52.05
12.8272.650.572.28
46.30
30.8375.973.4319.40
19.7164.871.790.00
23.0876.050.3210.15
40.5455.540.363.57
60.5778.0018.2944.29
29.4982.882.9711.30
18.5772.389.5219.05
38.8668.863.714.57
30.5250.000.326.82
17.6371.984.3523.19
Advice of friends
53.6787.541.6038.34
Advice of agent
54.11
Through employer
17.57
48.57
82.47
76.57
71.43
41.62
50.00
53.39
50.04
40.14
46.11
Advertisement
Delhi82.03
financer
398
53.6
31.4
67.8
13.7
42.2
33.8
0.00
7.14
6.33
2.72
0.00
4.14
10.00
0.00
0.00
61.64
3.51
1.21
0.14
2.14
0.00
1.37
0.00
2.50
8.57
1.61
4.52
7.89
2.29
14.00
0.00
0.97
136
1.43
0.00
0.36
4.49
0.00
4.29
0.41
0.43
2.47
3.26
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
1.62
0.29
0.00
0.48
2.86
0.36
0.00
1.43
1.59
1.25
0.66
Other sources
3.66
4.84
44
0.16
00.0
00.0
00.0
00.0
50.5
00.0
51.9
00.0
00.0
60.9
51.4
80.2
60.3
70.5
00.0
00.0
80.1
31.4
62.8
00.0
00.0
00.0
21.6
00.0
00.0
60.3
90.2
10.7
60.1
00.0
40.5
00.4
80.3
Dont know
34.1876.283.4712.23
44.67
9.33
49.43
49.40
18.58
5.51
23.86
15.31
29.33
23.87
9899
20.83
46.20
51.23
39.33
48.87
43.48
23.16
23.92
78.67
59.33
69.32
46.91
49.33
82.34
77.36
65.40
31.65
52.72
49.92
46.84
0.00
43.96
44.66
48.33
Voluntary
40.4773.076.4215.78
66.00
75.33
47.62
61.27
34.49
38.81
31.41
30.78
22.00
37.48
9060
54.88
13.94
23.18
29.67
25.17
66.30
61.05
55.42
7.33
23.33
24.46
56.99
72.67
25.69
37.28
20.31
29.98
59.13
38.25
24.05
21.70
32.27
40.87
32.83
Advice of friends
47.25
57.54
Urban
Insurance(Percentage)
56.00
63.33
65.71
78.88
40.51
44.54
41.47
38.44
36.67
38.15
16558
86.28
68.66
76.82
95.17
70.44
63.04
85.26
74.83
57.33
85.33
71.49
71.60
54.67
42.66
72.30
73.21
86.56
74.80
55.67
77.28
70.45
76.29
74.70
75.22
Advice of agent
6.2611.482.651.200.6
8
3.646.532.940.870.48
Take
Rural+ Urban
3.33
2.00
2.76
3.13
11.09
8.32
7.46
14.98
6.67
15.04
1405
1.65
3.11
1.00
2.83
3.73
18.48
25.26
4.00
1.33
12.67
0.54
2.94
2.00
0.46
4.26
9.15
4.05
17.71
0.33
0.22
2.17
3.13
6.34
3.56
Through employer
30.0574.31
to
27.33
34.67
21.71
21.64
5.76
11.25
2.61
7.65
5.33
3.61
3012
31.57
19.47
3.66
8.50
1.60
29.35
7.37
56.50
0.00
3.33
0.68
22.71
8.67
7.34
4.79
15.63
7.33
38.42
3.33
6.51
0.00
17.77
13.59
9.14
Advertisement
41.2676.26
lRura
FactorsInfluencingTheirDecision
0.00
4.00
6.29
3.28
2.23
1.91
2.14
3.83
0.67
1.93
769
0.50
0.00
8.00
0.00
4.31
52.63
2.15
3.00
0.60
1.83
0.53
2.17
0.00
2.33
7.22
0.75
3.44
4.17
1.97
13.32
0.00
0.92
3.14
3.82
financer
NorthernRegion45.31
Householdsb
y
00.0
02.0
01.9
00.9
11.3
1.91
42.2
70.1
00.0
60.7
272
73.9
43.3
00.6
03.5
00.4
72.1
00.0
00.5
00.0
37.3
00.0
01.3
00.0
51.1
30.5
32.2
40.9
82.1
80.5
40.0
00.0
61.5
31.2
00.7
Other sources
AllIndia42.16
of
0.00
0.00
0.10
0.00
1.97
0.34
4.57
0.83
0.67
1.60
121
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
2.06
0.27
1.12
0.39
0.27
0.67
0.15
0.00
0.83
0.55
0.43
Dont know
Requirement of the
Requirement of the
24.13
12.94
41.25
12.12
51.93
8.86
5.63
45.00
0.00
7.50
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
65.00
30.71
37.74
Goa
Gujarat
Maharashtra
22.55
37.41
16.46
55.00
14.29
781
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSampleState
RegionSouthern
30.00
Daman&Diu
24.79
31.51
Assam
WesternRegion
44.44
ArunachalPradesh
RegionEastern
35.99
22.50
Uttarakhand
23.70
10.06
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
20.00
9.38
32.32
26.67
12.08
64.66
17.50
Chandigarh
Delhi
20.69
AllIndia
RegionNorthern
important
State/UT
Notso
49.17
50.74
52.04
61.46
1776
45.00
40.00
55.70
66.91
27.45
41.51
55.71
80.00
60.00
85.00
50.00
55.00
70.00
12.03
29.28
39.39
61.25
67.16
51.85
68.49
25.00
68.75
69.70
75.00
69.58
41.38
36.88
68.72
68.75
54.87
expensive
Too
32.50
37.46
22.19
36.65
988
22.86
10.00
40.51
32.37
44.12
44.03
34.29
0.00
45.00
0.00
0.00
0.00
46.25
12.96
19.18
48.26
35.00
30.30
1.10
3.16
35.00
53.13
62.63
6.67
32.50
33.62
73.13
22.35
28.75
30.52
rangeof
products
Limited
32.71
5.01
7.58
6.61
346
27.14
20.00
24.05
30.94
51.96
6.29
3.57
5.00
5.00
8.33
3.42
10.95
5.00
28.28
3.87
7.59
3.75
0.00
0.00
2.50
10.00
9.38
3.03
3.33
8.33
17.24
0.00
5.87
7.50
10.69
services
Poor
17.92
5.60
8.94
28.50
549
11.43
25.00
26.58
17.27
19.61
15.00
5.00
3.57
6.29
20.37
4.79
13.93
2.50
6.06
9.94
2.53
13.75
5.00
5.00
1.25
30.00
18.75
7.07
35.00
34.17
23.28
4.38
36.31
57.50
16.96
10.44
8.75
10.03
7.82
14.08
338
29.41
2.16
7.59
5.00
1.43
10.00
5.00
13.57
7.55
16.67
8.22
5.97
1.25
1.01
17.13
1.90
12.50
0.00
0.00
0.00
10.00
18.75
6.06
16.67
21.67
12.93
1.88
14.80
21.25
Complex
problem policies
Accessibility
7.71
7.08
14.76
8.15
10.53
procedures
Rural
Difficult
TableS4.11a:DistributionofUninsuredHouseholdsbyReasonsforNoHouseholdsMemberInsured(Rural) (Percentage)
Inappropriate/
13.73
5.04
8.86
10.00
5.00
341
1.18
1.20
13.33
15.00
10.00
5.00
7.55
17.59
15.07
10.95
23.75
9.09
46.41
0.63
5.00
0.00
5.00
0.00
25.00
9.38
6.06
1.67
12.08
7.76
0.63
9.78
7.50
0.69
2.81
inadequatedistribution
strategies
27.45
0.72
13.92
20.00
14.29
91
0.00
0.00
0.71
1.89
0.93
0.68
2.49
5.00
1.01
0.00
0.63
1.25
0.00
0.00
0.00
5.00
0.00
2.02
0.00
1.25
1.72
0.00
0.00
0.00
6.67
7.67
13.73
5.15
3.92
0.72
16.46
0.00
10.00
290
15.00
0.00
2.86
11.95
30.56
6.85
12.44
12.50
13.13
37.02
6.96
1.88
0.00
0.00
0.00
5.00
6.25
5.05
3.33
6.25
13.79
3.13
3.07
3.75
8.96
trustoninsurance
Noconfidenceand
2.71
9.14
1.44
4.12
Any
5.92
5.00
9.38
3.03
20.00
7.50
7.76
2.50
3.63
7.50
8.68
other
3.13
1.96
9.35
0.00
0.00
0.00
281
13.27
0.00
30.00
14.29
11.95
12.13
8.33
11.64
3.98
15.00
15.15
24.86
0.63
14.38
5.00
70.00
8.75
9.80
1.44
1.27
0.00
0.00
110
25.00
10.00
5.00
10.69
0.93
1.37
4.48
0.00
1.01
0.00
0.63
1.25
0.00
0.00
2.50
0.00
6.25
2.02
0.00
5.42
1.72
0.63
7.82
0.00
3.40
valueon
maturity
Inadequate
32.50
24.00
57.48
57.48
8.75
10.00
13.33
19.44
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
42.86
39.87
Maharashtra
32.98
23.33
0.00
10.00
1224
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
40.19
66.67
Goa
Gujarat
RegionSouthern
24.60
AndhraPradesh
46.67
Daman&Diu
42.73
8.39
Bihar
RegionWestern
38.17
Assam
13.22
9.20
24.63
Too
expensive
Limited
rangeof
products
54.83
49.04
54.03
2726
53.33
73.33
47.50
75.00
40.19
40.53
55.71
73.33
63.33
76.67
0.00
83.33
69.58
3.94
29.92
50.00
45.83
60.74
73.66
34.48
65.29
27.17
30.82
20.44
1338
23.70
23.33
50.00
30.85
15.79
31.89
31.43
10.00
36.67
0.00
0.00
0.00
46.67
9.45
1.57
19.33
35.83
36.58
5.91
4.60
33.88
22.15
6.13
5.71
6.67
442
23.33
20.00
17.50
22.34
602
11.85
86.67
24.17
11.70
12.92
7.64
23.44
3.33
0.00
16.67
0.56
7.64
16.65
6.13
0.00
1.90
6.67
20.00
1.67
6.67
0.00
4.17
8.66
1.57
20.00
0.00
4.84
12.42
2.50
9.33
9.45
31.50
15.83
6.38
2.69
10.00
23.48
7.33
13.33
13.37
41.33
5.00
11.87
18.18
12.61
13.79
10.54
14.63
Accessibility
problem
0.00
23.33
9.09
4.67
8.89
6.69
19.33
0.42
5.94
13.22
9.26
Poor
services
25.64
57.10
28.03
63.34
34.12
7.51
63.33
36.67
13.33
20.45
58.33
48.48
36.67
64.67
60.67
47.78
71.11
5.56
13.93
79.94
20.61
54.67
46.67
41.33
18.33
44.58
59.17
10.20
65.86
25.05
AllIndia
ArunachalPradesh
RegionEastern
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
RegionNorthern
21.59
Chandigarh
State/UT
Notso
important
6.73
11.38
8.00
12.11
18.33
578
3.33
0.00
5.83
1.06
17.70
12.29
10.95
13.33
3.33
5.91
5.70
5.83
9.33
33.07
2.36
9.58
0.00
10.00
1.11
4.60
6.67
15.15
16.00
15.56
19.22
18.00
4.58
24.12
28.93
Complex
policies
Urban
7.22
10.86
13.97
14.19
12.53
598
0.74
3.33
15.31
10.11
4.17
0.00
0.00
6.19
16.28
9.14
7.72
35.83
14.00
61.42
0.79
6.25
0.00
23.33
0.56
16.09
9.18
2.28
0.57
2.56
1.38
distributionstrategies
Inappropriate/
inadequate
16.67
7.58
12.67
6.67
21.45
10.67
3.33
17.07
19.83
Difficult
procedures
TableS4.11b:DistributionofUninsuredHouseholdsbyReasonsforNoHouseholdMemberInsured(Urban) (Percentage)
10.05
1.06
18.33
13.33
9.63
122
0.00
3.33
1.43
2.99
0.00
0.67
1.67
1.33
0.00
0.00
1.25
0.00
0.00
0.00
0.00
10.00
0.00
0.00
0.00
2.23
4.00
0.83
0.56
2.48
5.51
6.30
8.70
7.14
6.79
11.48
0.53
5.83
3.33
4.44
341
10.00
0.00
4.29
7.97
4.84
4.03
14.17
6.00
32.28
0.00
1.67
0.00
6.67
0.56
48.28
3.33
2.27
6.67
5.56
4.74
37.33
3.33
3.53
3.31
Noconfidenceand
trustoninsurance
Any
other
19.35
8.05
5.83
6.00
26.77
0.00
8.33
0.00
83.33
8.33
15.24
11.21
26.67
6.67
16.67
6.67
14.29 15.24
14.62
9.30
4.90
6.49
15.31 13.88
2.66
12.77
0.83
0.00
0.00
0.00
0.74
0.00
266
392
0.54
1.34
5.00
2.67
0.00
0.00
2.08
6.67
3.33
0.00
8.21
5.69
6.67
3.33
0.00 12.88
3.33
4.67
0.00 14.44
10.58
5.29
0.00
3.33
0.83
5.00
11.69
4.27
4.13
4.96
1.52
10.92
1.15
2.30
5.57
6.35
Inadequate
valueon
maturity
106
Too
expensive
Limited
rangeof
products
8.00
15.77
WestBengal
66.00
38.00
39.13
Goa
Gujarat
Maharashtra
34.41
34.86
20.60
22.00
11.46
2003
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
RegionSouthern
40.00
Daman&Diu
24.67
24.00
Sikkim
Tripura
40.22
7.50
Orissa
RegionWestern
30.53
Mizoram
52.74
49.67
8.42
4502
50.49
60.00
50.75
71.56
36.01
40.87
55.71
76.00
62.00
79.23
20.00
72.00
69.75
29.14
33.30
5.96
2326
23.41
18.00
46.23
31.50
25.08
36.09
32.57
6.00
40.00
0.00
0.00
0.00
46.50
26.06
5.71
788
24.63
20.00
20.10
25.99
32.80
7.17
2.57
6.00
14.00
4.62
3.01
8.22
6.00
23.29
2.92
8.07
4.00
0.00
4.00
1.92
18.00
9.15
4.02
6.67
7.35
18.42
0.25
5.91
10.95
9.84
Poor
services
AllIndia
25.00
56.20
29.04
35.11
RegionNorthern
21.24
62.60
7.16
Chandigarh
46.00
32.00
22.00
18.29
60.37
49.39
Delhi
Haryana
34.94
66.67
61.45
HimachalPradesh
39.33
72.67
6.00
MadhyaPradesh
13.19
75.79
25.38
Punjab
59.02
44.36
37.97
Rajasthan
41.50
64.75
18.00
UttarPradesh
10.14
67.00
23.97
Uttarakhand
16.92
66.67
31.84
RegionEastern
53.15
21.22
6.54
24.22
ArunachalPradesh
28.72
44.10
9.23
Assam
35.24
11.75
71.39
Bihar
10.22
63.33
41.28
Chhattisgarh
36.00
52.00
35.50
Jharkhand
19.28
45.78
23.69
Meghalaya
54.22
29.55
1.30
State/UT
Notso
important
17.12
5.93
9.83
20.06
1151
11.71
62.00
25.13
14.07
15.11
16.00
2.00
3.43
7.17
17.44
4.82
13.03
2.50
8.03
9.74
15.44
15.00
2.00
2.00
0.77
18.00
22.56
7.23
22.00
21.70
33.46
4.75
21.63
33.83
14.37
Accessibility
problem
7.48
10.88
7.92
11.83
916
7.40
9.45
0.85
1.11
15.76
0.92
16.58
16.00
11.22
213
0.00
2.00
1.14
2.61
0.51
0.30
1.40
3.00
1.20
0.00
0.35
1.25
0.00
0.00
0.00
8.00
0.00
0.80
0.00
1.84
3.01
0.50
0.33
1.49
2.66
distributionstrategies
Inappropriate/
inadequate
1.87
6.00
4.00
5.71
13.26
10.72
14.79
7.95
6.03
6.00
2.20
939
16.92
11.75
9.02
31.00
12.05
52.60
0.70
5.75
0.00
16.00
0.38
20.00
7.93
10.04
4.67
17.70
9.40
2.25
14.16
14.93
11.72
Urban)
Difficult
procedures
14.32
21.54
1.53
6.53
2.00
2.68
12.00
4.00
12.00
10.65
11.28
6.93
5.81
4.00
6.02
23.70
2.11
10.75
0.00
6.00
0.77
8.00
15.85
12.05
16.00
20.20
15.79
3.50
20.40
25.87
11.43
16.67
All(Rural+
Complex
policies
TableS4.11c:DistributionofUninsuredHouseholdsbyReasonsforNoHouseholdMemberInsured(Rural+Urban)(Percentage)
5.94
6.81
10.93
6.15
9.00
0.61
10.05
2.00
6.34
631
12.00
0.00
3.71
9.35
38.46
5.72
7.41
13.50
8.84
35.06
3.86
1.75
0.00
4.00
0.38
4.00
3.05
6.02
4.67
5.34
27.07
3.25
3.34
3.48
7.88
Noconfidence
andtruston
insurance
Anyother
4.69
8.43
5.48
5.78
4.00
4.00
1.22
12.20
2.81
4.02
0.00
16.67
8.51
6.18
0.75
5.26
0.75
4.00
10.14
4.01
2.49
5.97
1.49
11.46
1.03
5.64
0.90
15.96
2.61
6.41
3.00
9.50
2.01
9.64
0.00
25.65
0.35
0.35
1.75
10.75
4.00
2.00
2.00
78.00
0.77
8.46
12.97
11.98
26.00
4.00
14.00
16.00
10.57
14.86
13.26
10.22
4.09
5.24
13.50
9.97
2.14
11.31
1.01
0.00
0.00
0.00
0.49
0.00
376
675
Inadequate
valueon
maturity
14.14
38.33
42.50
20.69
19.19
1.67
22.08
34.48
42.50
45.53
Haryana
Punjab
Rajasthan
8.96
16.25
11.11
36.46
19.62
12.50
15.00
90.00
11.25
39.23
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
5.88
43.40
38.54
58.82
Maharashtra
41.73
34.18
35.00
23.57
Karnataka
Kerala
Pondicherry
TamilNadu
AndhraPradesh
SouthernRegion
8.81
30.83
33.57
Gujarat
29.29
40.00
45.57
41.01
29.29
45.00
15.00
0.00
85.00
Goa
30.00
19.76
15.00
25.00
18.13
9.49
12.71
5.05
35.00
8.46
12.33
Daman&Diu
WesternRegion
35.62
35.19
52.78
Bihar
38.75
16.36
24.38
17.04
13.75
23.78
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
UttarPradesh
MadhyaPradesh
HimachalPradesh
5.00
28.13
0.00
18.75
Delhi
26.09
30.99
Chandigarh
22.37
30.18
36.43
65.00
60.76
25.18
49.02
32.70
41.04
23.57
35.00
50.00
18.75
30.09
25.00
0.00
37.50
67.72
60.22
21.21
70.00
17.41
23.29
21.30
21.25
37.11
9.38
23.46
9.48
35.42
23.33
22.14
30.00
36.71
25.18
22.55
2.14
0.00
16.46
5.76
0.00
16.98
5.00
19.29
22.86
47.80
25.83
10.00
5.00
1.25
16.81
40.00
5.00
4.38
62.66
7.18
40.40
41.25
1.25
21.43
15.00
10.13
28.78
6.86
7.55
18.33
8.57
5.00
20.00
52.50
8.55
40.00
60.00
20.63
12.66
50.83
12.12
20.00
96.67
35.00
38.83
35.41
42.52
33.29
36.67
70.00
0.00
15.56
39.58
80.00
10.00
17.50
58.27
41.73
16.67
19.17
13.42
37.41
96.67
56.67
42.55
18.18
27.24
38.68
51.43
73.33
13.33
27.78
37.83
30.00
63.33
25.00
47.24
33.86
20.00
38.33
43.33
20.00
66.67
24.47
48.33
39.87
42.84
32.86
10.00
53.33
10.56
36.43
12.22
80.00
13.33
17.55
6.70
6.64
14.69
0.48
0.00
3.33
0.56
3.85
38.71 7.53
20.47 5.03
70.83 2.50
20.00 4.67
80.31 30.71
37.01 7.09
37.50 0.42
6.67
0.00
36.67
0.00
34.83
54.79
23.15
7.72
15.59
15.42
16.44
24.07
47.85
28.10 4.96
33.97 9.21
18.39 64.37
17.50
31.52
29.75 46.28
27.49 24.13
36.78 12.64
13.75
22.59
30.00 11.33
22.08 0.83
30.06 4.27
2.23
7.29
3.37
0.00
0.76
0.67
3.33
2.59 39.66 14.67 18.67

2.50 20.63 37.08 38.75
20.95 5.31 43.97 20.78
31.76
24.52
0.00
9.85
6.67
30.00
27.86
22.77 31.50 30.69

19.31 32.97 31.31
85.00 3.33 3.33
43.75 16.67 46.97
71.72 22.67 16.67
5.00 6.67 40.00
27.32
29.27
4.00
43.29
15.66
39.33
2.22
0.00
5.00
3.72
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
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
48.55
24.77
64.32
38.00
40.98
31.38 40.06 41.90

7.50 34.67 52.26
0.00 72.00 74.00
21.48
21.22 34.63
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
43.09
20.80
22.61
60.00
15.61
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
11.90
25.37 17.91
34.62 20.47
20.00 62.05
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
14.15
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
16.75
9.09 23.14 23.38 43.28

16.13 31.75 25.00 20.19
2.30 4.60 45.64 25.13
9.68
21.05 9.02
17.00 7.25
27.42 12.71
30.88
31.48 15.74
23.05 10.25
4.00 0.00
12.80 1.22
6.43 4.42
27.33 20.67
3.67
23.16
21.07
90.00
42.07
67.47
17.33
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
13.50
4.59 30.28
9.55 8.54
0.00 6.00
2.20 21.46
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
11.90
10.95 20.90
18.92 31.29
14.36 14.87
6.39 37.97
3.25 19.50
18.73 8.47
17.86
14.73
11.86
0.00
3.05
3.61
8.00
All(Rural
+Urban)
Job
Highcostsof Crop Fire/theft/burglary Any
loss hospitalisation failure
other
3.90 33.89 42.74
23.21
22.20
93.33
41.67
64.67
25.56
Loss
of
main
earner
30.97
32.19
2.00
17.07
21.29
4.67
9.33 36.67 23.31 19.55

3.75 18.75 39.25 33.00
17.25 10.58 44.59 19.29
18.66
14.18
11.65
0.00
3.03
4.00
7.78
Urban
Job
Highcostsof Crop Fire/theft/burglary Any
other
16.67 3.33 41.78 42.90
15.79
12.19
0.00
3.13
3.03
8.33
Fire/theft/ Any Lossof

burglary other main
earner
5.00
10.00
3.75
32.74
20.00
5.00
11.88
65.82
62.43
23.23
55.00
22.39
8.90
60.19
37.50
34.64
16.88
25.42
6.03
20.83
46.67
31.08 28.21
20.77 20.94
10.00 0.00
25.00
3.13
6.06 10.10
Rural
Job
Highcostsof Crop
NorthernRegion
earner
main
of
Loss
AllIndia
State/UT
TableS4.12:DistributionofUninsuredHouseholdsbyTypeofFinancialRiskTheyCouldFace(Percentage)
108
22.22
11.64
29.85
12.5
19.39
6.11
19.44
19.86
ArunachalPradesh
Assam
10.95
45.57
40
50
49.37
60
30.71
1044
Kerala
Pondicherry
TamilNadu
AllSampleState
845
77.45
3.92
43.07
SouthernRegion
Karnataka
60
Goa
AndhraPradesh
10
Daman&Diu
1348
19.29
0.0
5.06
45.99
18.63
39.62
23.64
18.57
46.25
48.67
WestBengal
WesternRegion
13.84
43.51
55
26.43
20
Sikkim
Tripura
55
20
1.9
76.58
Orissa
46.54
32.85
40
4.44
Mizoram
Gujarat
35
27.5
20.94
42.86
Meghalaya
Maharashtra
50
31.25
Jharkhand
1605
28.52
53.33
46.67
32.45
20.29
6.67
80
60
47.18
30.92
50
20
0.0
3.16
42.29
Bihar
14.94
36.07
48.31
28.33
36.67
3.15
0.0
67.36
6.67
46.67
41.34
51.49
26.67
26.52
28
34.44
35.29
13.33
43.1
19.7
14.17
36.42
33.63
27.03
Yes
40.58
29.26
50
46.67
51.48
1393
40
10
24.76
19.27
43.19
2.3
16.94
27.7
13.33
23.33
4.72
0.0
8.37
20
33.33
40.22
21.89
36.67
35.61
25.33
8.89
32.49
41.33
25.52
46.1
33.33
17.67
29.17
34.88
No
Credit(Percentage)
58.33
68.49
27.86
56.25
37.76
89.44
98.1
20.25
30
10
26.25
30.38
85
25
47.47
46.67
31.67
62.93
25.63
36.41
38.75
54.31
41.64
38.75
Can'tsay
Chhattisgarh
Uttarakhand
EasternRegion
UttarPradesh
Rajasthan
Punjab
10
34.38
14.14
20
39.17
16.38
32.5
39.78
41.25
14.83
5
40.63
38.38
33.33
29.17
20.69
41.88
23.81
20
30.86
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
No
26.1
32.56
32.26
28.69
Yes
Rural
AllIndia
NorthernRegion
State/UT
TableS4.13:Distributionof UninsuredHouseholds byViewson LinkingofInsurancewith

Urban
39.13
38.3
3.33
0.0
20
1776
53.33
10
15.24
33.55
25.89
82.76
46.99
23.99
58.33
40
92.13
100
24.27
73.33
20
18.44
26.62
36.67
37.88
46.67
56.67
32.21
45.33
31.38
34.2
52.5
45.91
37.2
38.09
Can'tsay
Yes
14.89
36.92
47.74
56
29.27
2649
8
72
58
46.96
31.63
17.44
28.88
45.88
29.5
39.11
3.91
1.06
71.03
12
50
42.86
50.44
18
29.27
32.13
34
32.83
16.54
42.61
21.34
16.5
33.97
33.07
27.68
52.75
21.54
48.24
44
50.98
2237
40
14
25.43
17.39
43.31
13.33
14.59
28.57
13
21.77
5.54
0.0
6.3
32
34
36.29
21.54
26
35.37
20.88
13.33
35.18
30.45
28.32
43.58
36.5
16.42
27.93
33.97
No
All(Rural+Urban)
32.36
41.54
4.02
0.0
19.76
3124
52
14
16.57
35.65
25.06
69.23
56.53
25.55
57.5
39.11
90.55
98.94
22.67
56
16
20.85
28.02
56
35.37
46.99
52.67
31.99
53.01
29.07
35.08
47
49.61
39
38.35
Can'tsay
110
20.3
26.5
11.3
25.7
11.2
15.8
38.5
15.2
37.1
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
27.7
40.0
60.0
34.3
874
Pondicherry
TamilNadu
AllSample
657
44.3
50.6
45.6
Kerala
17.3
25.2
82.4
Karnataka
AndhraPradesh
8.2
35.4
Maharashtra
SouthernRegion
45.4
17.9
47.9
Gujarat
10.0
70.0
35.0
5.0
Goa
2.0
40.8
WesternRegion
5.0
13.9
32.9
WestBengal
Daman&Diu
30.4
30.0
Tripura
60.0
20.0
Sikkim
12.5
69.4
0.7
1.1
17.5
3.8
19.0
6.9
15.9
21.0
31.0
Orissa
0.0
16.5
Rajasthan
Mizoram
29.2
Punjab
5.0
11.8
28.3
MadhyaPradesh
Meghalaya
30.0
27.6
HimachalPradesh
13.9
25.0
Haryana
0.0
No
20.3
20.8
10.0
28.1
9.2
13.3
20.8
Yes
27.0
23.9
Delhi
Chandigarh
NorthernRegion
AllIndia
State/UT
Rural
1706
21.4
0.0
3.8
57.6
15.7
26.9
56.3
34.3
20.0
60.0
45.3
36.7
65.0
20.0
18.1
99.3
93.9
45.4
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
Can'tSay
Yes
1327
39.6
33.3
40.8
11.2
19.3
27.9
33.4
49.8
66.7
6.7
39.8
37.4
26.7
10.0
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
No
1036
45.6
66.7
54.2
33.5
34.8
42.1
10.4
13.9
3.3
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
Urban
TableS4.13a:Distributionof Uninsured Householdsby Viewson WhetherInsuranceWould Help UnexpectedEventuality
2411
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
Can'tSay
(Percentage)
Yes
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
No
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
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'tSay
111
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
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
14.11
3.74
95.00
90.47
92.20
93.95
98.49
85.89
Daman&Diu
Goa
Gujarat
Maharashtra
AndhraPradesh
Karnataka
96.26
100.00
96.60
Kerala
Pondicherry
TamilNadu
SouthernRegion
3.40
0.00
1.51
7.80
6.05
9.53
97.50
WestBengal
WesternRegion
93.67
100.00
91.96
Tripura
100.00
No
Rural
Yes
Sikkim
Orissa
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
NorthernRegion
AllIndia
State/UT
TableS5.1:PercentageDistributionofInsured HouseholdsbyAwarenessabout Provisionof
96.50
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
Yes
Urban
NominationFacility
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
No
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
Yes
All(Rural+
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
No
Urban)
112

24.55
79.79
69.93
12.84
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
10.68
7.84
2.28
20.25
12.20
25.65
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
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
1334
2.68
1.25
11.21
14.57
11.85
0.00
20.00
16.25
1.25
1.92
0.00
66.67
2.26
7.50
5.80
27.85
33.80
15.67
1.88
75.41
EasternRegion
11.80
15.34
11.25
3.91
0.76
10.13
12.11
11.29
9.80
26.86
No
Uttarakhand
HimachalPradesh
Haryana
Delhi
Chandigarh
NorthernRegion
64.70
40.53
81.25
70.31
90.59
72.57
Yes
AllIndia
State/UT
Rural
Table5.2a:DistributionofInsuredHouseholds byPerceptionyaboutMandator
2654.6
1.97
0.00
1.87
14.75
0.78
5.36
65.19
63.70
75.00
35.00
3.90
13.79
12.50
32.50
8.48
9.09
16.67
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
Can'tsay/Don't
know
7493
97.45
100.00
79.29
71.71
71.66
81.97
23.83
38.81
43.33
30.00
91.79
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
Yes
PaperWorkatthe TimeofTaking
1610
1.11
0.00
17.50
14.73
20.33
11.65
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
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'tsay/Don't
know
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
All
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'tsay/Don't
know
(Rural+Urban)
113
20.00
Meghalaya
21.47
24.03
44.97
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
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
2207
0.00
0.00
100.00
12.50
45.17
17.59
26.25
23.75
18.04
0.00
13.44
Orissa
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
19.53
10.18
41.94
8.40
No
Mizoram
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
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
Yes
AllIndia
NorthernRegion
Chandigarh
Delhi
Haryana
HimachalPradesh
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
State/UT
Rural
4575
0.00
0.00
0.00
0.00
1.57
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
Can'tsay/Don't
know
5079
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
Yes
Table5.2b:DistributionofInsuredHouseholds byPerception aboutMandatory PaperWorkatthe TimeofClaim
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'tsay/Don't
know
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
All
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'tsay/Don't
know
(Rural+Urban)
114
holder
rights as a policy
% of HHs who know
56.4166.66
68.9853.28
84.9935.41
49.9232.50
64.6154.98
82.5130.12
54.6017.65
50.1028.93
80.5730.61
78.9169.47
79.3037.44
92.2621.92
96.058.2
4
64.9427.58
100.0033.33
100.0035.00
84.1436.41
11.6240.66
23.7311.86
55.8716.55
79.1242.75
58.7550.00
92.4245.45
71.6743.67
86.7540.64
71.4567.18
48.3158.18
81.4852.54
66.1467.08
70.0091.25
83.2281.74
6060342
9
Hima ch alPrad e
sh
Ma dh ya Prad es
h
Punja b
Rajastha
n
Utta rPrades
h
Uttarakhan
d
EastR egio
n
ArunachalPradesh
Assam
Biha
r
Chhatt isgarh
Jharkhan
d
Meghala
ya
Miz ora
m
Oriss a
Sikkim
Tripura
WestB eng
al
WestR egio
n
Daman&Di
u
Go
a
Gujarat
Maharasht
ra
South Regio n
An dh ra Prad es
h
Karnatak
a
Kerala
Pondic herr
y
TamilNad
u
Alls amp
le
8452
96.78
100
99.38
77.01
96.73
91.56
88.3
85.46
82.5
Premium payment
Haryan
a
100
87.48
45.31
73.75
21.52
89.69
90.91
78.95
71.43
87.19
68.51
74.72
79.86
73.41
60.5
54.23
85.6
75.78
71.16
47.46
68.33
premium
30.47
Change mode of
37.7026.23
Lock-in period
Del
hi
360595
7
50.7412.92
66.2511.25
57.0510.66
47.919.26
66.505.71
55.359.95
43.4614.84
41.3714.21
40.910.00
35.0032.50
41.9114.95
30.350.69
13.5613.56
87.130.00
44.6020.03
80.000.00
80.0020.00
32.128.73
41.9329.03
26.316.58
41.277.07
60.8920.58
39.1913.55
23.241.55
41.054.09
33.775.29
59.4515.81
36.8915.52
39.843.54
35.4013.87
56.412.56
6.5611.48
Others
Chandigar
h
1468347
6.270.37
2.500.00
18.180.00
5.560.69
9.610.00
8.820.28
26.850.71
25.280.00
1.520.00
32.500.00
25.200.34
5.5222.76
30.5183.05
0.005.81
8.190.00
20.000.00
46.6713.33
7.333.84
16.490.72
11.332.92
38.629.43
41.6012.01
17.536.92
35.642.58
30.052.81
2.741.46
18.568.93
27.370.88
4.4313.28
1.4623.36
7.690.00
0.0029.51
know rights
76.25
542
80
319
432
385
1758
566
479
66
80
1191
145
59
17
574
20
15
286
279
547
339
233
2516
782
194
291
548
274
113
683
61
39
holder
rights as a policy
% of HHs who know
8602
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
65.5
67.88
63.85
85.56
72.04
71.43
87.61
65.71
66.34
86.65
94.29
58.17
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
94.58
73.95
81.95
91.10
69.70
41.36
55.72
77.57
49.20
82.75
75.66
80.39
57.91
62.12
86.51
70.84
64.99
Premium payment
79.16
73.97
35684094
78.8742.10
88.5768.57
82.4857.30
46.1344.99
46.8561.07
64.4550.52
44.8752.30
41.7040.15
17.3123.08
66.6730.44
43.7845.47
34.6048.54
12.5014.58
25.9340.74
34.9751.36
34.3789.66
46.5238.06
28.3839.96
10.9058.38
20.9929.48
35.9455.51
71.2171.70
32.2748.97
30.5831.42
17.2651.05
27.7227.31
59.6074.80
33.4843.23
36.6149.53
62.1847.39
59.7269.21
9.0942.42
36.6248.94
47.6041.48
Change of nominee
2986
1115
32.10
8.57
10.95
3.65
9.09
15.84
15.01
13.97
3.85
1.80
14.62
23.19
0.00
4.17
21.14
7.47
22.22
31.53
3.36
14.15
10.32
7.00
7.58
3.77
13.53
18.00
4.69
13.48
5.02
18.25
13.64
0.56
12.96
10.92
Lock-in period
8452
1613
6.29
7.14
9.85
6.62
17.95
9.67
30.61
7.69
25.95
8.54
27.79
27.54
0.00
43.75
7.05
40.35
9.84
18.68
8.96
28.78
39.50
14.74
38.63
42.73
17.83
21.20
1.63
1.30
2.87
22.92
6.06
6.14
18.75
22.69
Surrender value
17.374.11
347
0.32
0.00
0.36
0.91
0.15
0.66
1.17
0.00
0.00
25.17
0.08
0.00
0.00
75.00
2.82
0.00
0.00
1.17
2.24
13.17
14.23
12.74
2.98
2.93
9.23
2.80
0.41
20.00
5.02
0.82
16.67
1.67
4.03
3.87
Others
19.165.49
620
70
274
438
429
1831
673
451
52
69
1245
223
27
48
549
71
67
268
257
400
281
205
2395
239
805
491
250
729
139
230
179
66
2922
8602
Total .no of HHs
42.6511.32
Urban
Households
)
17054
597.6
0100.0
681.0
798.6
692.4
591.9
691.5
778.6
288.5
649.6
490.5
399.3
329.5
371.3
393.3
991.4
893.5
289.3
073.8
872.3
171.4
463.1
258.7
572.1
472.7
173.7
486.5
67.11
456.2
078.4
784.6
050.0
376.9
069.3
% of HHs who know
38.418.81
(Insured
holder
61.4632.45
Holder
73.33
83.31
12153
81.39
60.88
84.75
71.81
52.83
94.07
76.07
41.6
80.35
59.73
52.0
21.5
95.4
98.9
85.7
95.3
69.3
80.3
84.6
82.7
47.88
53.20
79.1
57.49
82.62
72.03
82.45
54.04
50.39
81.13
71.26
63.21
Premium payment
71.7040.57
Polic
y
nRural+Urba
28.89
9.25
14.01
42.9448.2614.93
6.09
14.33
4.67
6.28
3081
90.0067.3310.00
69977699207
2
80.2146.1323.15
74.2057.1710.79
6.4449.3246.4
4
52.2163.647.4
9
65.7952.8912.96
42.7140.7814.09
4.24
25.61
7.3
26.52
30.20
0.0
36.4
14.0
35.7
9.0
17.5
8.1
35.6
39.0
12.8
34.40
39.55
17.7
19.78
2.21
1.39
3.57
25.07
3.15
6.42
18.07
20.90
33.0533.051.6
9
57.7232.8928.19
43.2843.7314.78
27.541.41.4
12.114.09.3
31.758.80.
0
35.747.921.1
34.587.45.
8
44.245.420.9
9.549.830.
2
28.035.96.
1
21.527.66.8
36.847.78.
5
70.366.017.6
31.444.013.5
29.8427.762.7
8
17.4546.125.8
6
28.9930.725.0
1
57.1266.5416.82
33.0140.1616.93
36.0745.194.3
6
57.3440.8713.69
60.9666.920.9
2
34.6410.2410.24
34.5143.629.8
5
41.0345.1512.15
Lock-in period
NorthRegi
on
aboutRightsas
Surrender value
AllIndia
Rural
byAwareness
0.00
0.34
694
0.80
0.17
0.40
0.47
0.61
0.00
0.00
24.2
0.21
0.00
2.3
79.4
4.7
0.0
0.0
0.9
3.1
12.6
11.6
7.1
2.90
2.78
8.0
6.10
0.96
21.83
8.72
0.85
22.83
1.38
4.07
4.69
Others
65.01
ofHouseholds
150
1162
870
593
1239
3589
814
118
929
368
2435
149
44
107
86
87
1123
536
554
438
620
948
1587
432
4911
541
1038
504
252
1412
127
218
5908
17054
know rights
74.79
State/U
T
Total .no of HHs
Change of nominee
Change mode of
premium
rights as a policy
know rights
Change mode of
premium
Total .no of HHs
Surrender value
Change of nominee
State/UT
of
knowdifferentduties(Q-4)(includeonlythose
Rural
HouseholdsbyAwarenessaboutDuties
0.21
26.8184.5820.5322.4513.94
56.0789.6633.5820.1611.73
35.0058.7535.0021.2533.75
94.9296.6154.240.001.69
62.3594.5124.6616.574.93
48.7477.2248.4228.486.65
62.5077.5065.0013.753.75
97.91
69.79
89.34
79.40
98.74
84.54
80.56
73.17
77.50
90.31
87.79
73.68
90.91
93.24
80.77
72.50
98.12
91.46
100.00
93.45
91.03
95.48
77.14
98.44
100.00
96.24
9783
Rajasthan
UttarPrades h
Uttarakhand
EasternRegion
Ar unac halPr ades h
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
Wes ternRegio n
WestRegion
Daman&Diu
Goa 73.75
90.50
MadhyaPrades h
Punjab
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
39228582250622861305
60.4983.5046.2037.304.64
34.2088.2735.5921.7220.57
30.5395.7934.7483.421.32
45.4385.9442.3440.798.18
49.7588.9838.9025.0415.53
0.00
7.6498.410.002.233.50
138
0.19
0.00
0.32
1.85
0.00
0.57
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
5.81
0.00
20.6979.315.178.6244.83
1.5597.500.000.001.55
49.1089.3210.8921.2830.33
30.00100.0055.0045.0045.00
100.01100.0128.5714.2921.43
15.0683.5113.079.6617.90
56.0696.2044.2925.2610.03
21.4896.4115.3413.2418.25
78.5780.0733.7230.4021.98
66.7474.8230.6155.2637.83
38.5289.6018.5019.6720.64
48.1176.9112.6617.726.01
30.0590.0512.3115.811.57
32.8887.1018.8919.768.22
48.1483.2139.5527.9930.22
46.7991.4346.4825.3821.10
52.44100.0031.711.224.88
9.52
1.34
4.46
=1) holder (Q-3

25.0792.4719.506.1324.51
information
75.43
factual
correct and
Providing
81.55
iprema in
Depositing
HimachalPrades h
loss
of policy
company
insurance
Informing
meti
Haryana
policy maturity
company of
insurance
Informing
64.06
claim
Delhi
At the time of
78.75
Others
12.7049.2117.4633.337.94
responses
84.74
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
information
factual
correct and
Providing
Chandigarh
time
Depositing
97.7
4
90.1
0
95.7
7
72.0
2
94.6455.85
88.4711.63
95.8374.33
91.3061.52
864
9
90.9
2
97.9475.69
96754079
61.4
3
100.0075.71
72.9
9
90.4
0
82.3228.71
97.8640.14
87.4
6
90.3551.85
86.1
2
83.6
1
96.8556.28
92.1153.71
91.0
1
84.2
1
92.8461.11
81.4350.88
60.0
0
84.9
9
94.7357.03
100.0042.86
99.0
2
98.1
8
95.3
8
97.867.30
78.579.09
92.863.08
90.5
0
93.2
5
82.8013.59
97.6736.57
94.6
5
88.5
5
68.1482.24
83.7180.53
93.0
1
81.8
9
87.6935.53
89.9
9
98.9242.39
91.3
4
84.4232.78
87.4
6
94.4328.37
89.0
5
97.6128.02
67.6240.99
94.2
0
80.3833.77
92.9
3
94.4
7
74.9272.80
80.8652.65
76.6
7
91.3042.25
premiums in
96.0
1
89.3
9
policy maturity
26162165
41.8129.01
58.5738.57
43.0637.96
32.0315.18
29.0836.29
37.2829.29
46.3834.86
32.7514.95
8.770.0
0
32.8621.43
39.0025.34
0.491.9
5
5.453.6
4
4.620.0
0
15.3623.59
72.0263.02
21.4430.02
11.6314.21
48.3025.66
6.718.2
6
28.7125.17
28.2437.78
17.9017.94
20.2920.65
13.7118.41
14.3724.39
52.3930.84
23.5127.29
8.8919.55
56.8921.55
53.304.33
43.817.82
26.8722.97
27.0422.38
Informing
86.8639.17
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
claim
89.0442.16
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
1.22
Others
9783
codedin
Q-3)
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
esponsesr
1.41
onlythose
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
87.78
% HHs who know
33.7686.5320.8619.3210.74
duties(Q-4)(include
Urban
knowdifferent
Rural+Urban
duties(Q-4)(include
44512650
62.0025.33
45.9332.88
33.8318.50
31.6958.04
39.7634.92
42.8730.25
28.4915.81
31.900.00
34.0021.33
36.3122.77
0.282.07
5.316.19
2.310.00
13.0322.38
68.0958.86
22.6327.40
12.3911.79
46.2125.45
11.9110.08
31.4228.00
29.3646.05
18.2018.80
16.2219.09
12.9917.06
16.7221.99
45.5729.33
21.9224.70
14.3512.63
51.3123.61
47.643.52
30.7320.49
23.6821.03
26.3222.87
172315122
policy loss
company of
insurance
68.6087.46
company of
insurance
Informing
43.8632.87
68.6770.00
44.7575.25
31.4989.32
42.0191.30
49.6686.03
53.2186.13
61.7692.85
73.2890.52
38.6759.33
56.5687.31
7.4598.76
15.0488.50
2.3196.44
43.1189.88
54.2478.48
78.6196.48
13.4586.60
55.9696.93
17.6694.88
80.2686.77
74.0182.05
37.0291.31
45.4479.23
31.3690.02
30.7189.13
44.7885.21
27.3786.66
29.2893.30
49.5192.13
67.4795.92
27.5863.04
36.3090.97
41.1288.55
time
86.57
tdifferen
policy maturity
Informing
NorthernRegion
know
(Insured
)
onlythose
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
claim
40.0987.7225.6223.3713.34
codedinQ-3)
asaPolicy Holder
codedin
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
748.6
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
Others
AllIndia
TableS 5.4: Distribution
Q-3)
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
responses
Total .no of
At the time of
premiums in
Depositing
factual
correct and
Providing
information
duties as a policy
=1) holder (Q-3
Total .no of
At the time of
company of
insurance
Informing
policy loss
company of
insurance
duties as a policy
% HHs who know
holder (Q-3 =1)
Total no of
duties as a policy
% HHs who know
115
116
the premium
depositing
Stop
of payment
Change mode
12051350All
Sample
22.0012.16T
amilNadu
8.7517.50Po
ndicherry
1 9.63 12 .4
6Kerala
4.6616.31Ka
rnataka
3 . 421 6.3 3Andhr

aPra desh
18. 3714. 51Sou t h

er nRegio n
12. 247. 85M ahar

as htr a
13.3918.57G
ujarat
12.502.
50Goa
21.251.25Da
man&Diu
13. 2611. 57W est

er nRegio n
.7190.63We
stBengal
13.7521.25Tr
ipura
0 .0 00 .0 0S
ik kim
1 2.34 10 .4
2Oris sa
54.5513.64M
izoram
0.000.00Meg
halaya
7.3614.72Jh
arkhand
3.791.89Chh
attisgarh
7.327.3
2Bih ar
15 .3 84 .3 0
Ass am
17.361 2.85 Aru na ch alP ra

de sh
10. 077. 85East er

nReg io n
12 . 232 1.3 2Utt ar

akhan d
6. 9414 . 92 Utt ar Pr
adesh
2.937.86Raj
asthan
6 .5 62 8.87
Pu njab
8. 9816 . 08 M ad hy
aPra desh
7. 732. 15Him ach

alPr ade sh
1 .2 50 .9 4
Ha ry an a
agent
2 0.00 17 .1
4Delhi
Others
Lokayukta
ombudsman/
Approach
company
Approach
9.852.570.14
15.360.310.63
17.361.840.47
22.570.000.00
18.550.901.81
16.541.640.13
22.081.580.00
19.046.090.00
11.765.880.00
0.000.000.00
19.072.400.16
17.720.000.00
13.750.007.50
5.310.000.00
21.440.740.00
23.752.500.00
20.000.000.00
876.7
462.0
650.1
251.0
044.1
546.1
661.3
858.6
637.0
164.7
231.8
452.2
959.4
518.7
952.1
749.6
551.2
558.7
1.07
811
9.350.000.00
0.000.000.00
6.620.180.00
178613254
658.2
573.7
657.9
1596
0.25
0.00
0.31
21.51
22.110.000.00
13.980.540.90
142.1
6.68
3.45
3.21
6.25
0.00
3.32
34.69
25.00
22.78
3.37
0.00
17.65
15.74
11.99
5.68
12.90
3.13
927.8
12.160.210.26
7.130.370.37
821.7
147.8
28.081.050.79
152.6
19.110.710.00
19.210.310.73
854.0
23.390.630.00
20.170.431.72
177.8
352.4
10.000.630.00
125.7
045.0
23.750.0015.00
8.575.710.00
032.5
7.18
5.33
18.75
22.86
9.38
13.73
2.09
12.86
4.57
3.54
0.00
11.38
Don't know
14.421.210.74
130110925449
23.6511.7548.57
18.574.2974.29
10.7127.5050.00
5.7015.1336.94
18.3311.4141.75
15.7114.4945.00
14.917.5353.40
16.537.3549.59
15.714.2944.29
17.145.7141.43
15.677.1950.87
8.3553.46
14.2918.5711.43
1.430.0075.71
12.4512.0854.72
65.758.2217.81
1.411.4159.15
10.9510.6652.45
1.071.7960.00
5.9118.4433.29
10.298.3354.90
23.085.7732.37
10.909.3546.92
7.5312.9048.75
9.059.6059.05
6.711.3081.17
7.4925.9430.55
8.228.9451.13
20.672.8851.44
0.003.9777.62
42.518.9815.57
6.067.5828.79
9.719.3555.24
11.9710.0550.15
agent
15.801.170.48
NotSatisfiedWiththe
nUrba
ModeofPremiu
m
2080251
15.560.16
2.860.00
10.361.43
23.380.20
20.770.81
17.680.51
20.842.17
25.100.00
34.290.00
35.710.00
23.921.14
17.180.24
21.430.00
15.710.00
18.111.89
6.850.00
28.175.63
18.162.59
31.430.71
19.161.87
13.480.98
28.850.64
19.791.37
21.868.60
12.227.70
7.140.22
25.942.31
26.584.05
21.150.00
11.910.00
20.961.80
28.797.58
17.724.40
19.142.31
Lokayukta
ombudsman/
Approach
company
857.2
TheyAre
)(Insured
38.61
70.6
0.0010.18
0.725.78
0.360.00
70.6
0.007.14
14.45
19.33
14.00
14.86
13.63
17.02
25.08
72623
0.160.16
2505
15.47
13.33
22.88
0.000.00
0.000.00
55.1
0.9817.68
0.416.52
0.406.21
0.001.16
0.001.43
0.001.43
0.000.00
57.8
0.0020.76
0.001.21
22.8611.43
14.00
63.16
12.39
0.000.75
0.001.37
0.004.23
0.005.19
0.005.00
4.4716.86
0.0012.01
0.328.97
1.4710.20
0.162.22
0.223.25
66.6
12.5
49.0
41.1
10.03
10.48
20.33
12.94
0.001.07
0.587.20
13.83
38.6
17.0
64.6
27.9
0.483.37
6.0615.15
11.30
28.2
4.11
0.333.25
Change mode
0.665.73
Don't know
552.7
If
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
the premium
depositing
Stop
of payment
2.507.50Cha
ndigarh
lRura
HouseholdsWouldDo
All(Rural+Urban
)
114123864383
52.9911.350.17
74.001.330.00
54.419.820.67
39.6418.460.37
35.5521.370.45
46.3814.960.36
52.9422.061.43
47.1421.900.38
52.0026.670.00
46.6729.331.33
50.2622.670.93
52.9112.040.14
15.3317.330.00
67.1116.780.00
53.3818.632.17
21.055.260.00
60.2325.005.68
44.2618.624.45
59.3026.471.17
48.2517.771.75
50.3516.120.94
38.0025.830.33
49.0018.561.61
49.5018.394.18
60.6410.964.96
78.797.140.30
25.9627.061.65
51.9222.652.06
52.8320.630.23
77.7210.890.34
17.3318.812.48
30.8226.033.42
56.3115.992.73
51.4817.431.73
Lokayukta
ombudsman/
Approach
company
6. 8814 . 14 Nort he
r nReg io n
by"Wha
t
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
Others
10.6611.95Al
lI ndia
Stat
e/UT
TableS5.5: Per centa geofH ousehold s
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
Approach
Consult
agent
Others
Approach
Consult
the premium
depositing
Stop
of payment
Change mode
Consult
ofHouseholdsby
Rural
Knowledgeabou
t
13.3218.80
1.279.75
16.2812.94
18.0212.27
MadhyaPradesh
Punjab
7.7949.22
3.7541.25
5.3760.11
8075866
20.2521.81
12.5042.50
23.089.84
10841593
Kerala
TamilNadu
AllSample
5.7447.24
20.4918.77
Pondicherry
7.8058.03
2.9621.53
Maharashtra
SouthernRegion
8.3948.93
10.3673.21
2.149.11
Gujarat
5.1813.93
1.2546.25
0.0045.00
Goa
Karnataka
15.0063.75
0.0021.25
Daman&Diu
1.2626.38
8.8963.92
2.2817.78
40.2030.90
0.3167.40
3.131.25
AndhraPradesh
31.651.27
0.0049.37
Tripura
WestBengal
WesternRegion
0.0061.11
16.670.00
Meghalaya
0.0051.28
6.8050.13
7.5611.84
Jharkhand
0.000.00
2.1958.93
10.345.64
Chhattisgarh
Sikkim
2.9069.10
4.044.41
Bihar
2.8173.91
3.8534.01
5.4420.63
Assam
22.7368.18
11.1536.24
2.7934.49
ArunachalPradesh
0.009.09
3.8658.00
7.0313.59
16.8836.25
17.8124.38
5.4512.44
Uttarakhand
EasternRegion
Orissa
57.718.33
Mizoram
9.7023.16
8.144.54
3.6114.93
Rajasthan
UttarPradesh
13.6754.07
2.0057.11
0.8546.19
17.463.99
Within first 15
Haryana
days
HimachalPradesh
not acceptable
conditions are
Terms and
1.5659.38
agent
0.0015.00
Forced by
0.781.56
premium
12.5036.25
Unable to pay
Delhi
Others
Chandigarh
0.00
0.00
71
1880
1.61
0.62
0.31
0.00
21.79
1.26
0.00
1.79
9.67
7.19
5.18
7.50
0.00
26.65
7.13
15.19
0.00
0.57
0.00
0.00
0.00
1.25
0.00
2.53
0.00
0.16
0.00
Don't know
9411513740575
5
6.8323.339.2159.8
4
12.8618.572.8665.7
1
22.5018.2113.9344.6
4
7.6510.988.8252.1
6
15.0725.461.0253.9
7
16.7615.306.7654.4
7
3.5819.779.0356.4
5
2.6511.2213.0667.7
6
0.0038.570.0061.4
3
0.0030.0012.8657.1
4
2.8618.1510.2460.9
2
1.192.860.0060.6
2
0.0041.432.8632.8
6
1.430.000.0065.7
1
8.6017.562.6970.2
5
31.5116.440.0045.2
1
4.230.000.0039.4
4
15.524.025.7560.0
6
3.2115.006.4359.2
9
6.184.171.1548.4
2
10.0014.397.3235.8
5
4.7939.622.2424.9
2
7.2913.152.5751.7
8
11.8320.4312.9052.6
9
3.0914.359.2861.7
0
9.666.6220.3911.2
7
10.5720.2919.7124.0
0
7.5111.2011.4466.1
5
3.339.051.4340.4
8
16.862.291.4360.2
9
6.848.143.5850.4
9
8.7030.4313.0415.9
4
8.6613.926.8152.9
6
7.7712.559.0750.6
6
premium
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
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
Others
0.63
0.81
010.0
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
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
Don't know
9.6445.78
2024
21.30
12.67
23.21
6.36
26.32
18.59
7.76
0.68
0.00
2.03
2.57
0.00
0.00
2.38
3.29
24.21
6.71
6.74
12.52
6.36
3.83
7.64
5.04
15.03
9.60
3.37
12.19
14.46
2.24
17.18
5.06
10.74
9.13
9.06
days
7.1451.91
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
not acceptable
conditions are
Terms and
10.2512.28
All(Rural
3.33
6.14
1547
10.65
8.44
6.26
1.12
8.60
11.62
0.67
14.00
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
15.03
8.26
8.77
12.63
16.37
2.99
1.73
1.12
14.09
6.98
9.37
agent
9.5914.10
Urban
BeCancelled(Insured
)
+ Urban)
11620
41.62
50.47
47.09
52.67
59.97
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
7.38
52.42
48.12
premium
AllIndia
"Whena PolicyCan
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
Others
NorthernRegion
State/UT
TableS5.6:Percentage
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
Unable to pay
Forced by
Within first 15
Unable to pay
agent
Forced by
not acceptable
conditions are
Terms and
Within first 15
days
117
118
5.00
12.70
Chandigarh
Delhi
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
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
MadhyaPradesh
Punjab
Rajasthan
UttarPradesh
Uttarakhand
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
12.40
3.93
27.50
0.79
0.00
3.39
Clauses
Rural
HimachalPradesh
6.30
11.21
Haryana
21.46
AllIndia
Change/
Modifications
NorthernRegion
State/UT
322
3.59
0.00
4.36
5.36
2.76
3.91
1.72
1.79
5.00
1.25
1.91
2.81
13.75
0.00
0.63
0.00
22.22
0.75
0.94
0.13
5.20
17.54
5.31
3.18
2.85
2.45
13.75
0.79
3.53
1.27
1.77
1.84
0.16
2.85
Others
7152
3.77
0.00
4.05
66.79
4.52
22.23
63.28
59.21
75.00
27.50
60.19
84.38
75.00
100.00
37.87
9.09
33.33
64.66
68.34
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
Dont'know
2826
69.84
12.86
50.36
8.40
39.71
41.75
32.38
28.02
2.86
50.00
30.14
10.74
17.39
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
Change/
Modifications
TableS5.7:Percentage ofHouseholdsby Knowledgeabout"What AretheVarious Assignmentsinthe
1483
26.35
85.71
43.57
14.06
25.66
27.53
17.62
19.02
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
Clauses
Urban
344
1.59
1.43
5.71
1.56
6.72
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
Others
Policy (Insured)
6212
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
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
All(Rural+
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
Urban)
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
Householdsby
3.991.00
21.4317.23
HimachalPradesh
20.631.56
17.2812.43
6.9232.18
10.3811.51
14.349.31
16.619.40
14.548.02
5.560.00
0.000.00
33.9619.72
6.330.00
8.751.25
20.945.00
23.0722.12
42.5036.25
35.0015.00
22.6819.29
19.5023.71
46.851.26
27.274.99
47.6634.58
30.0018.75
45.6816.01
26221191
Uttarakhand
EasternRegion
ArunachalPr ades h
11.2Assam
9
31.4Bihar
5
Chhattisgarh
38.3 Jharkhand
5
65.5 Meghalaya
00.0Mizoram
16.2Orissa
8
27.8 Sikkim
5
51.2 Tripura
5
WestBengal
AndhraPrades
h
37.1
8
51.1
3
16.2Kerala
0
51.2
5
34.5 TamilNadu
3
AllSample
03.9
39.9 Karnataka
3
Pondic herry
00.0
44.6Gujarat
SouthernRegion
23.8
51.2Goa
Maharashtra
15.6
3
WesternRegion
Daman&Diu
20.6
3
249
1
25.0
63.4
40.2112.95
15.212.01
20.4
8
39.693.59
UttarPradesh
28.6
8
14.8816.97
12.2 Punjab
7
15.0 Rajasthan
0
25.654.17
MadhyaPradesh
16.1
6
10.9
2
16.413.91
month
Up to one
48.6 Haryana
3
Three months
17.8 Delhi
Six months
15.005.00
time
18.7
5
Don't know
Chandigarh
0.54
2669
3281531847
0.00
0.31
24.42
0.50
7.47
1.801.260.18
0.000.000.00
0.930.310.00
1.961.250.18
0.250.000.00
0.730.990.47
22.93
16.25
1.253.7527.5
0
19.29
0.00
3.7515.002.5
0
8.742.0319.1
9
19.69
8.822.5019.9
9
9.112.8622.1
4
56.56
28.75
4.55
17.53
65.82
50.78
24.81
50.00
11.42
31.60
28.18
22.99
6.88
30.44
0.940.000.94
0.000.0010.0
0
0.000.000.00
0.789.861.88
54.550.0040.9
1
0.0038.890.0
0
2.761.5010.0
3
5.640.3112.2
3
2.011.5113.2
1
7.450.9026.8
6
17.9918.699.3
4
4.411.8213.1
4
0.630.6349.0
6
0.140.0730.9
0
0.000.312.50
4.961.0435.5
1
29.200.942.1
9
12.181.682.5
2
1.000.004.24
21.69
14.36
38.91
67.19
41.15
34.03
1.560.003.13
1.251.2536.2
5
One year
21.9622.6212.092.76
2.25
1.46
2.16
2.578.3627.333.54
0.00
0.89
0.00
24.665.480.0017.81
238624581314300
51.2737.628.890.95
45.7132.8621.430.00
17.1449.6428.573.21
47.952.540.3925.64
22.2414.6931.224.90
38.2134.4811.912.07
3.5817.7724.506.45
8.7823.4718.988.78
4.2931.4321.431.43
0.0045.7141.434.29
22.065.3523.196.93
22.0124.167.420.96
52.8611.434.292.86
32.8612.861.430.00
13.7536.2529.460.89
1.4115.491.411.41
0.00
0.79
125
0.41
0.20
1.07
3.27
3.72
0.56
3.54
7.14
0.00
0.00
0.00
0.36
0.58
0.00
35.8420.8113.872.31
8.5726.4313.939.64
28.3012.076.902.01
9.4910.717.065.60
19.3619.2413.613.27
20.4319.710.000.00
0.00
0.00
1.09
2.26
1.14
0.00
1.95
0.00
0.48
0.73
1.43
1.15
23.6514.133.570.32
17.2735.431.800.54
16.8616.8627.146.29
11.7926.198.691.43
20.9526.1920.000.00
50.002.293.430.29
22.4017.2110.393.90
21.4321.4310.005.71
year
21.6019.897.481.37
More than a
26.48
22.50
0.00
0.00
1823
17.14
0.59
0.00
18.37
19.77
4.39
18.45
1.43
22.86
7.14
4.55
49.32
7.86
0.00
10.36
7.23
23.94
26.37
32.36
13.65
35.32
54.84
14.67
28.81
20.29
3.42
3.25
6.57
11.43
23.73
21.43
16.78
time
23.62
0.00
0.48
2459
9.39
22.70
0.36
18.37
24.21
8.38
20.48
0.00
18.57
21.43
40.91
2.74
10.89
52.86
30.71
19.36
56.34
29.58
33.33
34.91
23.02
5.02
28.77
20.83
11.43
41.55
40.91
37.43
20.95
25.20
18.57
22.63
Don't know
0.940.8124.2
5
48.67
43.42
4877
35.17
43.75
16.64
6.57
3.73
37.71
4.57
0.00
2.67
52.00
19.24
18.95
15.10
30.20
6.68
37.18
2.25
3.00
10.42
29.98
26.33
20.53
19.93
14.12
14.46
16.05
18.12
49.27
15.63
21.96
20.00
22.00
month
16.342.901.3
5
31.33
41.40
5081
38.22
26.49
48.59
23.05
18.60
37.29
22.57
44.00
33.33
10.00
22.76
4.21
35.03
9.40
21.20
17.45
13.48
7.67
10.54
13.28
14.70
20.20
18.24
25.90
15.83
37.71
16.97
3.20
23.66
20.22
18.00
22.92
Three months
20.534.71
nUrba
SettlementofClaims(Insured)
20.00
12.23
2505
8.68
3.82
31.78
19.14
24.12
12.42
22.65
38.67
18.00
2.67
6.37
0.00
24.27
0.67
11.52
10.74
1.12
29.67
9.37
8.18
2.74
0.83
13.01
6.28
21.83
2.76
8.49
2.13
18.53
6.04
7.33
11.30
Six months
23.2010.54
Takenfor
All (Rural+ )Urban
0.00
1.35
627
2.71
0.28
2.00
8.95
7.54
1.41
7.88
10.00
1.33
1.33
0.95
26.32
0.83
0.00
7.51
2.55
1.12
10.50
6.56
2.01
0.22
0.33
3.85
1.17
5.59
0.25
3.21
0.67
0.89
1.15
3.33
2.83
One year
NorthernRegion
Rural
KnowledgeaboutTim
e
0.00
1.01
277
0.23
1.12
0.67
3.05
2.91
0.77
3.01
4.67
2.00
0.00
0.00
0.00
1.42
0.00
0.33
1.07
0.00
5.67
1.17
1.81
0.04
0.33
1.46
2.22
1.09
0.17
1.38
0.00
1.56
0.77
1.33
1.25
year
22.2
9
of
0.00
0.08
3671
9.58
0.93
0.00
20.38
19.49
2.46
19.23
2.67
25.33
8.67
2.98
47.37
8.92
0.00
11.35
8.72
26.97
22.67
29.51
13.41
32.96
51.75
13.89
29.02
28.24
2.93
3.21
5.33
11.83
24.00
29.33
16.56
time
22.0AllIndia
4
State/UT
Table S5 .1 0:Perce ntag e
0.00
0.51
5129
5.41
23.60
0.33
18.86
23.60
7.93
20.08
0.00
17.33
25.33
47.70
3.16
14.43
59.73
41.40
22.28
55.06
20.83
32.44
31.32
23.00
6.01
29.62
21.29
12.96
40.13
48.62
39.41
27.90
25.86
20.67
23.14
Don't know
No specific
More than a
Up to one
No specific
Six months
Three months
Up to one
month
No specific
More than a
year
One year
121
122
Rural
ofHouseholdsbyKnowledgeabout

0.00
16.09
0.00
0.16
18.1322.0343.59
1.270.0017.72
2.505.0040.00
0.0015.1449.21
13.8322.3745.18
17.5053.7527.50
7.5016.2550.00
10.7525.8143.01
16.8516.2248.67
33.5838.6920.18
47.3650.131.01
7.6620.3247.59
33.0258.268.41
71.2525.003.75
44.7239.7115.38
179825564163
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSample
321
0.00
0.00
0.00
1.43
2462
0.18
0.00
0.31
22.99
1.26
7.09
0.47
0.25
18.10
19.89
25.00
0.16
0.54
1.25
1.25
18.25
0.37
0.00
32.81
38.75
81.01
2.84
13.75
0.00
33.33
23.81
37.81
39.12
36.43
18.1813.6468.18
0.00
0.25
1.25
0.75
4.75
11.11
Mizoram
4.0710.1844.57
Assam
9.03
5.560.0061.11
11.8131.2536.81
ArunachalPradesh
2.32
Meghalaya
8.6817.6841.09
EasternRegion
10.94
13.0324.3138.60
27.1921.5629.69
Uttarakhand
0.56
Jharkhand
11.2424.5041.85
UttarPradesh
0.63
7.6718.6233.84
4.5313.2853.44
Rajasthan
1.887.8151.25
17.9739.0621.35
Punjab
Bihar
22.8416.4829.30
MadhyaPradesh
Chhattisgarh
4.6210.0818.49
Full sum
HimachalPradesh
assured
20.203.4961.60
by
Amount paid
Haryana
policyholder
5.479.3841.41
company
decided by
value as
Surrender
1.2546.257.50
Others
Delhi
Don't know
Chandigarh
policyholder
12.8628.57
41578257
44.6042.70
57.1440.00
38.5742.86
39.7723.6
20.9834.01
29.3535.55
18.7723.93
12.3226.69
14.2938.57
21.4350.00
16.3027.09
242
0.32
4396
0.00
11.75
1.43
62.8
0.00
15.00
1.43
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
44.92
31.16
25.26
46.56
43.94
34.29
28.57
44.00
46.78
54.29
60.4814.5
38.57
0.005.71
42.68
0.001.43
21.7928.57
63.01
52.11
524.666.8
29.80
60.36
33.86
34.89
30.13
18.06
49.82
52.06
55.10
27.14
45.95
28.57
64.86
30.52
14.29
0.002.82
decided by
value as
Surrender
10.0333.81
3.2110.36
63.4615.5
25.9018.9
69.6210.2
100.007.99
20.4320.07
78.3323.9
45.7213.2
23.1432.86
16.7919.29
06.6721.9
117.143.7
44.2238.6
46.73
40.46
company
12.1221.46
Others
14.5223.69
Before Maturity
2074
0.63
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
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
Urban
IsSurrendered
(Insured)
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
assured
2.84
4.94
20.00
1.56
0.00
7.14
14.49
1.56
ValuetoReceiveIfPolicy
All
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
by
Amount paid
14.5119.6538.18
theFace
policyholder
15.9122.6236.84
of
(Rural+Urban)
8561
13.46
33.3
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
48.3
38.62
42.28
10.67
33.72
63.12
23.21
37.08
24.11
54.21
46.61
39.07
company
AllIndia
Amount
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
Others
NorthernRegion
State/UT
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
decided by
value as
Surrender
Full sum
by
Amount paid
assured
Full sum

15.81
0.00
26.25
13.52
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
EasternRegion
ArunachalPradesh
Assam
Bihar
Chhattisgarh
Jharkhand
Meghalaya
Mizoram
Orissa
Sikkim
Tripura
WestBengal
WesternRegion
Daman&Diu
Goa
Gujarat
Maharashtra
SouthernRegion
AndhraPradesh
Karnataka
Kerala
Pondicherry
TamilNadu
AllSampleState
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
53.31
6.25
87.50
90.27
31.93
38.20
31.59
45.70
67.73
42.50
2598
12.88
38.75
18.38
4.82
54.77
21.22
36.66
38.06
28.75
25.00
36.08
0.00
38.89
14.61
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
60.31
Rural
Nopenalty
forafew
days
22.99
AllIndia
Yes
NorthernRegion
Chandigarh
Delhi
Haryana
State/UT
611
5.90
1.25
5.30
2.50
0.00
3.39
5.15
1.26
2.50
0.00
3.09
0.94
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
5.41
Nopenalty
atall
1276
0.54
0.00
0.62
22.68
0.75
7.04
8.42
6.28
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
11.29
Can'tsay
6575
80.32
61.43
67.14
72.07
50.51
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
60.51
Yes
TableS5.12:Percentageof Householdsby Knowledgeabout PenaltyIfPremiumIsPaid AfterDue
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
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
Urban
Nopenalty No penaltyat
forafew
all
days
25.53
4.30
Date(Insured)
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
9.66
Can'tsay
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
60.41
Yes
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
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
All(Rural
+Urban)
Nopenalty
Nopenalty
forafew
atall
days
24.24
4.87
12.63
31.33
6.42
3.46
13.62
8.07
21.28
26.21
10.44
9.02
10.93
8.32
32.78
9.27
14.67
12.87
7.95
11.58
3.67
0.00
12.00
0.27
6.45
0.67
10.00
5.74
7.25
7.69
6.19
20.90
2.66
0.00
0.42
2325
10.49
Can'tsay
124
AllSample
TamilNadu
Pondicherry
Kerala
Karnataka
AndhraPradesh
SouthernRegion
Maharashtra
Gujarat
Goa
Daman&Diu
WesternRegion
WestBengal
Tripura
Sikkim
Orissa
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EasternRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
Chandigarh
NorthernRegion
AllIndia
State/UT
64051283
54.2024.69
38.7557.50
55.4519.94
46.8819.61
39.4524.62
48.5723.76
67.865.62
76.664.31
46.2511.25
81.250.00
70.995.08
84.180.95
76.250.00
60.530.00
59.065.47
59.0913.64
72.220.00
47.499.05
67.713.76
68.934.15
48.204.28
61.465.90
62.464.65
27.8128.75
62.738.67
50.088.16
21.3522.92
61.7317.41
51.919.79
46.750.50
48.444.69
7.5050.00
51.5512.98
56.6811.35
premi
a
payment
Change
offo
address
Non-
1819
20.57
3.75
24.30
9.63
123
0.18
0.00
0.00
0.89
0.50
0.42
20.22
34.67
0.00
0.18
0.00
19.97
13.29
41.25
0.00
0.07
18.41
18.75
3.48
6.25
0.00
0.16
0.00
0.00
0.75
0.00
0.38
2.48
0.63
1.25
0.00
29.53
27.27
5.56
12.06
14.11
5.03
12.84
25.35
1.04
1.09
13.60
28.75
18.53
9.89
1.09
1.68
16.25
0.00
1.25
0.43
2.19
1.30
0.94
0.62
5.31
Others
16.10
15.53
10.00
3.91
0.50
5.53
16.48
27.08
Providing
false
information
Rural
ofHouseholdsbyKnowledgeabout Reasons
1670
0.36
0.00
0.31
22.99
0.75
7.03
6.55
5.57
1.25
0.00
5.45
10.76
16.25
39.47
5.78
0.00
22.22
30.65
14.42
21.51
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
Don't
know
6426
70.32
72.86
41.79
53.82
53.97
58.07
66.33
69.47
88.57
81.43
69.46
78.47
82.86
68.57
60.71
91.78
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
1197
16.83
25.71
27.50
17.61
17.11
18.92
9.89
4.10
4.29
2.86
7.09
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
Change
of
address
1623
12.54
1.43
28.57
6.85
20.77
14.98
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
Providing
false
information
Urban
forLossof Insurance Coverageand PolicyLapse
104
0.16
0.00
1.79
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
Others
(Insured)
1515
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
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
All
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
(Rural+Urban)
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
new
GettingState/UT
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
66.67
54.55
71.99
16.88
40.51
52.05
72.10
37.50
50.00
76.08
75.74
47.78
Meghalaya0.00
Mizoram31.82
Sikkim0.00
Tripura1.27
0.50
6.43
13.08
2.50
8.06
582
47.74
55.00
41.12
56.25
43.19
6542
Kerala42.06
AllSample1496
TamilNadu47.67
Pondicherry41.25
AndhraPradesh49.5
0
Karnataka11.61
36.31SouthernRegion
Maharashtra4.23
Gujarat7.9
1
Goa32.50
Daman&Diu33.75
9.15WesternRegion
West0.95Bengal
Orissa6.1
0
Jharkhand7.8
3
Chhattisgarh5.6
3
48.74
71.41
Rural
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
173
1.08
0.00
1.56
3.57
0.50
1.72
0.47
0.18
0.00
0.00
0.30
0.63
10.13
0.00
0.16
0.00
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
Others
2507
0.00
0.00
2.18
23.39
1.76
7.56
15.02
11.87
12.50
3.75
12.92
46.06
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
Don't
know
1327
37.36
25.71
47.14
8.01
20.45
26.57
9.47
5.53
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
Getting
new
policy
bond
KnowledgeAbout Possibility ofRevivalofLapsed
72.50
51.58
Bihar2.64
75.35
62.82
41.88
51.81
Assam3.62
Arunac halPradesh6.94
4.60EasternRegion
Uttarakhand20.31
UttarPradesh7.50
Rajasthan17.75
Punjab10.34
Madhya18.79Pradesh
HimachalPradesh0.42
Haryana0.25
Delhi1.56
Chandigarh5.1
3
11.20NorthernRegion
13.24AllIndia
bond
policy
Paying
unpaid
premia
with
penalty
57.89
54.26
61.54
47.66
79.80
60.50
52.61
51.46
52.14
TableS5.14:PercentageofHouseholdsBy
6616
54.21
74.29
32.86
66.02
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
Urban
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
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
All (Rural+Urban)
Paying
Paying
unpaid
unpaid
premia
premia Others
with
without
penalty
penalty
59.36
5.19
1.51
56.73
5.24
1.74
59.86
11.56
6.80
57.93
4.14
0.23
80.43
0.80
0.67
59.19
11.66
1.35
56.15
5.23
4.73
47.04
19.67
1.10
54.07
1.86
0.93
55.25
2.26
0.52
48.91
7.85
2.17
63.01
4.31
1.54
76.37
2.16
4.99
47.58
4.96
2.01
66.42
4.99
1.42
72.62
3.51
0.50
56.80
10.23
0.40
83.15
4.49
1.12
30.53
0.00
1.05
77.56
4.42
0.50
24.66
0.00
0.00
41.61
1.34
10.74
51.43
0.41
0.68
71.68
5.49
0.19
36.67
23.33
0.00
48.00
6.67
0.00
77.87
3.93
0.10
73.43
4.57
0.30
50.55
6.39
1.85
47.46
2.82
0.68
60.26
5.41
3.08
37.27
13.31
2.50
64.67
1.33
0.00
49.03
7.08
1.52
13158
1150
335
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
AndhraPradesh
SouthRegion
Maharashtra
Gujarat
Goa
Daman&Diu
WestRegion
WestBengal
Tripura
Sikkim
Orissa
Mizoram
Meghalaya
Jharkhand
Chhattisgarh
Bihar
Assam
ArunachalPradesh
EastRegion
Uttarakhand
UttarPradesh
Rajasthan
Punjab
MadhyaPradesh
HimachalPradesh
Haryana
Delhi
Chandigarh
NorthRegion
AllIndia
State/UT
TableS5.15:
Premium
related
54.204.2
07.56
2 .69 34.8716 .8 1
65.780.0
00.16
41 .2 54 1.25
5 .0 0
37 .5 04 0.00
3 2.50
44 .3 82 6.88
6 .2 5
47.980.8
18.52
47 .5 00 .0 02
2 .5 0
52 .5 00 .0 02
5 .0 0
42.500.5
47.14
52.261.2
55.93
28.911.61
3.1 8
36 .41 30.7856 .7 2
0. 000. 001 7. 50
6.251 5.0 52.50
1. 887. 193 1. 25
2 .19 42.4055 .3 3
12 .50 25.0031 .2 5
42 .50 15.0013 .7 5
18 .21 46.0758 .3 9
24 .34 44.7760 .8 4
48 .07 36.5137 .1 4
59.550.5
00.25
90.914.5
50.00
59 .09 72.7331 .8 2
23 .12 43.2264 .5 7
42.893.2
40.50
21 .0 51 0.53
2 1.05
42 .1 0.0 31.58
58 .7 50 .3 11
0 .3 1
14 .06 27.1957 .5 0
4.744 3.14 40.65
38.173.2
53.50
10 .64 41.5550 .4 4
59 .2 52 5.68
3 .0 8
3 .90 22.2664 .0 4
30.629.4
78.37
47.489.1
04.81
17 .84 30.4047 .8 0
29 .6 91 0.31
3 .1 3
37 .0 31 .4 61
0 .6 8
10 .3 39.3234 .5 4
17 .3 30.4349 .2 0
42.032.0
35.16
14 .69 24.8433 .1 3
30 .63 23.7536 .5 6
39.063.9
18.33
49 .74 59.6458 .3 3
32 .6 05 .1 01
0 .7 3
14 .2 13 .2 41
2 .4 7
23 .4 42.3939 .1 5
19 .06 37.6038 .8 5
5.0017.5
02.50
36 .7 20 .0 03
4 .3 8
63 .75 21.257.50
34.793.6
69.71
21 .09 33.5912 .5 0
39.234.6
26.97
o th erse t le
me nt
20 .49 37.1235 .7 7
None
Any Cl
aim
Rur
al
24 .42 35.6342 .4 3
ad dr es spolic y
ofof
Re ce ip tC ha ng e
PercentageofHouseholds
Dis pute/Differe nc es
withInsurance(Insured)
0.00
5.26
1.25
0.89
0.00
0.00
0.96
2.19
2.50
0.00
0.78
0.00
26.32
6.48
1.25
7.51
17.40
3.77
5.81
0.63
3.91
5.47
1.18
0.10
1.25
6.25
24.69
4.20
32 . 791 4.4 6
47. 4531. 67
31 . 764 6.2 1
23 . 674 7.3 5
10 . 001 0.0 0
14 . 292 7.1 4
26 . 714 3.7 2
0.48 4.52
2.86 2.86
0.00 1.43
35 . 712 9.6 4
46 . 586 0.2 7
26.030.00
6.0027.71
15 . 712 3.9 3
3.2823.50
20 . 774 2.0 3
3 . 551 9.1 7
16 . 122 3.9 1
26 . 522 4.3 7
6.6642.43
15 . 183 0.5 4
45 . 716 0.2 9
13 . 563 5.4 3
15 . 71 15.7 1
35 . 144 1.7 1
23 . 702 4.0 3
71 . 434 0.0 0
18 . 823 6.9 8
24 . 193 2.8 4
applicab le
Not
41.75
35.80
63.52
57.35
24.29
34.29
57.64
22.62
48.57
12.86
64.46
73.97
66.67
29.49
61.07
48.57
53.42
37.63
48.42
61.98
58.57
29.11
40.29
50.30
27.14
12.34
38.86
16.19
2.86 0.00
5.52 31.17
6.00 11.14
2.86 22.38
70.47
30.31
56.65
50.82
44.29
4.28
1.66
0.72
0.20
0.00
1.22
3.28
2.15
6.53
28.57
40.10 12.32 2.90

51.14 6.55 2.28
57.86 2.14 8.21
56.57 1.43 0.86
49.32 8.22 17.81
65.75 1.37 0.00
65.54 0.00 0.18
40.00 48.57 5.71
54.29 35.71 30.00
59.29 29.05 2.62
53.80 0.45 5.87
55.71
0.00 15.71
40.50 9.68 2.87

53.50 11.61 3.40
40.89 28.75 2.88
35.43 5.71 2.86

46.07 0.89 6.79
46.95 0.95 7.45
39.48 4.16 9.16
20.00
34.74
18.00
59.05
0.41
4.29
0.00
0.41
0.00
15.70
9.40
1.43
1.14
15.07
0.00
0.18
0.00
2.86
0.95
0.15
0.00
1.79
5.95
13.10
2.86
4.46
0.63
0.36
7.14
4.55
20.00
4.29
28.46
27.33
20.76
28.21
47.76
19.24
7.20
14.83
5.33
29.35
49.47
36.08
0.00
4.67
1.08
24.42
13.33
28.71
16.74
33.72
47.82
14.92
8.62
16.49
67.33
22.94
28.89
19.42
27.33
12.67
46.67
45.52
34.05
35.94
33.11
25.67
35.95
0.00
63.16
30.25
0.67
9.33
5.68
43.05
26.00
24.04
27.22
20.66
59.95
27.50
40.77
36.59
30.00
26.83
42.08
25.89
51.97
18.67
57.90
62.24
36.46
56.80
40.64
59.17
44.34
48.91
64.21
60.33
15.33
50.67
26.35
56.47
32.67
37.06
48.82
62.98
58.45
31.25
37.22
44.20
16.67
12.39
39.01
16.52
10.67 1.33
3.90 32.11
4.53 11.85
3.57 14.51
0.00 26.67
0.38 6.86
0.97 3.96
1.64 3.23
10.83 5.76
4.80 2.93
1.17 9.33
2.40 0.67
8.70 18.48
2.11 0.00
0.00 0.17
44.67 5.33
38.00 31.33
28.11 4.19
0.63 7.21
0.00 19.33
65.58 2.59 0.79
48.67
46.38
54.55
29.62
35.14
44.24
58.33
49.27
43.48
71.58
65.67
40.67
45.33
52.84
50.86
51.33
34.72 10.02 3.01

50.44 10.34 4.12
49.75 27.27 2.98
37.33 4.77 5.72

43.92 1.50 5.92
41.66 1.22 9.17
35.81 4.66 9.99
12.00
35.32
15.98
56.47
0.22
0.00
0.67
0.60
4.77
16.59
8.39
1.33
3.99
17.39
0.00
0.50
0.00
2.67
1.49
0.56
0.00
1.17
5.88
8.60
3.41
5.00
0.92
0.22
4.00
5.05
22.50
4.24
Urban
All(Rural+Urban)
Change Receipt
Change Receipt
Premium
Claim Any
Not
Premium
Claim Any
Not
of
of
None
of
of
None
applicable
related settlement other
applicable
related settlement other
address policy
address policy
4.43
43.41
44.38 5.25 6.12
3.99 24.31 34.26
42.91
41.75 4.93 6.55
4.22
4.09
38.57
40.84 3.43 9.67
3.52 19.69 37.06
37.11
37.69 3.55 9.69
3.82
byViewsonPossibleCausefor
67 51 AllS am ple
64 .9 3Tam il Na d
u
53 .7 5Pon dich e
rry
58.88K eral
a
3 5.60 Ka rn atak
a
52.51AndhraPrade
sh
52.30SouthRegion
61.41Maharashtr a
68.53Gujara
t
83.75Go
a
65 .0 0Dam an &
Diu
65.86WestRegion
54 .7 2W es tB en
g al
52.50Trip ura
44.30S ik ki
m
49.06Oris s
a
1 00 .0 0M iz ora
m
2 3.53 Me gh ala
ya
3 0.28 Jh arkh an
d
50.63Chhattisgarh
58.17Bih
ar
38.27Assa
m
57 . 79Ar una chalPr ad esh
49 .2 0Eas tR eg i
on
82.13Utt arakhand
73.35Utt arPradesh
81 .5 0Rajas th a
n
28.46P unj
ab
73.90MadhyaPrad
esh
39. 83HimachalPr ad esh
77.31Hary an
a
52.34Del
hi
3 4.18 Ch an dig
arh
68.82Nort hRegion
59.74All India
agen
t
0.00
20.47
0.00
2.50
2.20
1.77
0.00
0.00
1.26
2.66
2.19
0.00
1.97
1.56
1.25
4.50
693
35.44
41.25
36.16
29.65
35.00
11.25
27.34
33.28
36.15
46.73
37.03
33.96
45.00
27.70
3043
41.18
27.81
0.00
42.24
0.00
6.25
17.05
20.63
121
1.98
0.00
4.98
7.87
0.25
3.76
0.16
0.18
0.00
0.00
0.15
1.26
0.0
0.00
0.16
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
Urban
Don't Approach Approach
Approach
know
agent company ombudsman/
Lokayukta
6.13
53.65
30.80
8.04
5.83
61.88
24.88
8.04
6.33
31.43
40.00
14.29
7.81
42.86
32.47
16.56
2.74
67.71
25.71
2.57
12.71
21.78
59.41
1.49
8.56
67.62
18.69
8.10
9.66
37.82
51.00
2.29
3.29
79.39
17.38
0.72
4.58
66.06
17.13
13.64
1.57
71.22
22.66
5.04
8.27
39.72
36.83
11.04
1.04
50.48
36.74
0.96
10.25
31.02
41.69
12.90
7.86
34.50
28.36
7.75
22.19
41.43
30.00
10.71
10.18
40.06
41.21
13.26
35.29
26.76
45.07
22.54
0.00
79.17
19.44
0.00
2.50
45.71
27.86
24.46
20.25
24.29
61.43
0.00
3.75
13.04
72.46
7.25
41.53
50.60
5.01
5.66
2.58
64.73
30.97
3.17
0.00
75.71
24.29
0.00
5.00
77.14
22.86
0.00
2.70
61.81
33.68
2.26
2.50
64.42
30.56
4.45
5.59
51.87
33.30
6.31
0.50
46.64
27.49
16.09
17.53
30.47
46.48
3.71
0.62
58.93
34.64
6.43
0.00
61.43
37.14
0.00
0.90
69.16
26.07
1.43
693
5830
3347
874
State/U
T
Other
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
DoneinCaseofAnyDisagreement(Insured)
Rural
KnowledgeaboutWhat Needstobe
Approach Approach
Approach
company ombudsman/
Lokayukta
26.93
6.13
20.01
4.65
40.51
3.80
32.81
7.03
16.71
3.24
44.07
1.27
11.80
5.43
53.52
7.83
13.95
1.10
15.27
6.59
14.11
0.31
30.01
12.11
39.79
0.35
31.89
18.91
21.29
12.55
TableS5.16:PercentageofHouseholdsby
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
All(Rural+Urban)
Don't Approach Approach
Approach
know
agent company ombudsman/
Lokayukta
5.70
56.76
28.83
7.07
4.86
65.50
22.34
6.27
14.29
32.89
40.27
8.72
7.47
45.64
32.57
13.76
4.00
72.84
20.91
2.93
17.33
31.51
51.14
1.37
5.48
70.97
15.02
6.67
6.88
32.92
52.32
5.19
2.15
80.52
15.55
0.92
3.09
69.95
16.14
9.88
0.72
77.05
18.09
2.51
8.55
44.53
33.37
11.58
10.54
53.99
38.21
0.66
13.40
34.80
36.58
16.03
14.77
47.18
24.58
10.32
17.14
46.33
25.00
8.33
2.88
34.86
41.76
15.27
5.63
26.14
44.32
18.18
1.39
84.04
14.89
0.00
1.43
47.50
27.83
22.33
14.29
34.90
47.65
0.00
2.90
34.23
55.70
4.70
2.39
47.22
44.37
3.80
0.98
65.30
30.30
2.46
0.00
70.00
30.00
0.00
0.00
80.67
16.67
0.00
2.05
65.39
30.30
1.73
0.43
62.98
31.86
3.59
5.90
52.08
34.70
4.29
8.15
49.27
36.11
8.89
14.45
33.15
41.55
2.80
0.00
58.90
34.28
3.83
0.00
57.33
41.33
0.67
0.48
67.17
26.84
2.87
619
12582
6391
1567
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
Dr Anushree Sinha, Senior Fellow and Project Leader
Dr Rajesh Jaiswal, Associate Fellow
Mr Barun Deb Pal, Research Analyst
Mr Kalicharan Shukla, Research Associate
Mrs Ramamani Sundar, Consultant
Mrs Geetha Natesh, Consultant
Mrs Sadhana Singh, Assistant

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Pre-launch Survey Report of

Insurance Awareness Campaign

National Council of Applied Economic Research, 2011

Core Research Team

1.1 Concept of Insurance

1.2 Importance of Insurance

1.3 Origin of Insurance

1.4 Origin and Development of Insurance in India

1.5 Important Developments in the History of Indian Insurance Business

1.6 Insurance Scenario in India and Other Countries

1.7 Insurance Penetration and Density in India

1.8 Why Awareness is Important

2.2 Sample Design

2.3 Selection of the Rural Sample

2.4 Selection of the Urban Sample

Chapter 3: Socio-Economic Characteristics of Insured and Uninsured Households

3.1 Occupation and Education

3.2 Type of Dwelling Unit and Family

3.3 Type of Ration Card

3.4 Economic Status of the Households

3.5 Major Sources of Information

3.6 Types of Insurance Held

3.7 Details of Different Kinds of Policies Life, General and Health

PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN vii

3.8 Opinion of Uninsured Households on Possible Economic Risks

Chapter 4: Perception of Households about Insurance as a Concept and its Benefits 25

4.1 Concept of Insurance

4.3 Relevance of Insurance

4.4 What Kind of Tool is Insurance?

4.5 Losses that an Insurance Policy could Compensate

4.6 Benefits of Insurance vis--vis Other Savings

4.7 Benefits of Life Insurance

4.8 Benefits of Health Insurance

4.9 Decision to Take Insurance

4.10 Reasons for Not Taking Insurance

4.11 Perception on Financial Risks that Households could Face

Chapter 5: Awareness Level of Insured Households about Various Aspects

5.2 Provision of Nomination Facility

5.3 Views on Mandatory Paper Work

5.4 Knowledge about Rights and Duties

5.5. Knowledge about Changing Mode of Premium and Cancellation of Policy

5.6 Knowledge Regarding Settlement of Claims

5.7 Households' Knowledge about Value of Policy if Surrendered Before Maturity,

Penalty for Non-payment of Premium, and Lapse of Policy

6.1 Socio-economic Profile of the Insured and Uninsured Households

6.2 Insurance Awareness of Insured and Uninsured Households

Annexture: State Tables

PRE-LAUNCH SURVEY REPORT OF INSURANCE AWARENESS CAMPAIGN

Important Developments in the History of the Indian Insurance Industry

Sampling Fraction for City and Town Group

Stratification of Households in Urban Areas

Distribution of Households by Main Occupation and Level of Education

Distribution of Households by Ownership of Land, Dwelling Unit,

Distribution of Households by Economic Status: Income,

Distribution of Households by Type of Insurance Taken

3.7a Distribution of Household Members with Insurance by

Annual Per Capita Household Income Categories (Urban)

Annual Per Capita Household Income Categories (Rural + Urban)

Average Annual Premium and Average Policy Value by Income Class

3.10a Average Annual Premium as a Percentage of Annual Household

Household Income (Total)

3.11 Income-wise Distribution of Uninsured Households Based on Amount

4.1b Distribution of Households by Level of Education and Their Perception of Insurance 26

Distribution of Households by Their Major Source of Information on Insurance