Universal health coverage (UHC) is a state-sponsored health policy that will ensure that all people get the quality health services they deserve, without experiencing financial hardship. UHC is a pivotal element in achieving progress on Sustainable Development and Growth for any economy. Generally, UHC has two magnitudes – access to the common mass where accessing quality healthcare is a challenge, and the next dimension is financial protection. The Regional average for the UHC essential health services index is 64 per cent in 2022 compared with 46 per cent in 2010. On the other hand, over 65 million people are pushed into poverty because of out-of-pocket health expenditures.
UHC is an ecosystem sponsored by the state that all people obtain the health services they need without risking financial hardship from unaffordable out-of-pocket payments. On the contrary, health insurance is operated by public and private organisations where the quantum and extent of medical expenses will be covered in accordance with the premium paid.