Project Director – PAHAL, LM Singh’s article on Health Financing to help migrant workers features in Business World

Migrant workers constitute a large part of the informal sector which employs close to 93% of workers in India 1 and contributes nearly 50% of economic output 2 . They lack safe working or living conditions, face forced labour, gender-based discrimination and barely subsist on average INR 500 per day. 90% of health expenditure is out of pocket, (OopE) which has severe long-term consequences for health and earnings. For perspective, less than 20 million informal sector workers are registered under employee state insurance schemes.


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