GOQii, a prominent preventive healthcare organization in India, has unveiled its India Fit Report 2025, which sheds light on a critical issue: the escalating costs of healthcare in the country are becoming unaffordable for many. Titled “Beyond the Brink: Confronting India’s Healthcare Affordability Crisis,” the report draws on health data from over 6 million GOQii users and a national survey of 2,000 individuals, revealing alarming trends:
71% of respondents report a significant increase in medical expenses.
36% have cut back on doctor visits despite having insurance.
Nearly 20% of Indians have postponed necessary treatments due to financial constraints.

Insurance Is Not a Safety Net

The findings indicate that even those with health insurance are facing challenges in accessing affordable care. Issues such as claim denials, limited coverage, and numerous hidden exclusions force families to pay out of pocket, often leading to the sale of personal assets or incurring debt. A GOQii expert emphasized that the rising healthcare costs represent a hidden crisis impacting real families, underscoring the need for health to be recognized as a fundamental right rather than a luxury.

The report shares poignant stories from across India, including diabetic patients reducing their insulin intake to save money, elderly individuals postponing surgeries, and parents forgoing treatment for their ill children.

Deteriorating Health Trends

According to GOQii's data, the percentage of individuals in poor health has risen by 3.84% compared to the previous year, with a widening gender gap in health status—64% of women are now classified as unhealthy, compared to 40% of men. Lifestyle-related diseases, such as hypertension, diabetes, and high cholesterol, are increasingly prevalent, particularly among older adults. Approximately 48.7% of senior citizens suffer from high blood pressure, followed by 39% with diabetes and 24% with high cholesterol.

Public Demand for Change

The report indicates that 60% of respondents believe government intervention is necessary to regulate medical costs. It stresses that without robust regulations and improved insurance options, healthcare will remain a significant financial strain.

However, there is a silver lining. The report highlights the advantages of preventive healthcare and wellness-oriented insurance. GOQii’s SAFE model (Sedentary, Active, Fit, Elite) exemplifies this approach by rewarding users for maintaining their health with enhanced insurance benefits. Notably, 54% of individuals expressed a preference for wellness-based insurance plans that incorporate regular check-ups and health coaching. Participants in these programs have reported fewer hospital visits and reduced medical expenses.

A Path Forward

India stands at a crucial juncture. The GOQii report calls for immediate action to:
Simplify and broaden insurance coverage.
Regulate the costs of treatments and medications.
Encourage preventive healthcare through regular screenings and digital health solutions.

Leverage AI and wearable technology to enhance access to affordable care.
Without significant reforms, the healthcare burden burden will continue to escalate. However, with strategic policies and a focus on prevention, India has the potential to create a healthcare system that prioritizes people one that is equitable, affordable, and centered on long-term health and well-being