India, Jan. 20 -- India's healthcare industry is undergoing a remarkable transformation. Projected to be valued at approximately $638 billion by 2025, it remains one of the fastest-growing sectors in the country, fuelled by rising income levels, increased health awareness, and expanding insurance coverage.

Yet, despite this impressive growth, the gap between access and affordability continues to widen. Medical inflation in India is rising at an annual rate of 12 to 14 percent, pushing many families into the agonising position of choosing between essential healthcare and financial security.

This strain is becoming increasingly visible. Insurance premiums are rising, driven by growing out-of-pocket expenses, costly pharmaceuticals, increa...