Personal Accident and Health Insurance in India, Key Trends and Opportunities to 2018

Personal Accident and Health Insurance in India, Key Trends and Opportunities to 2018

Synopsis

The report provides in depth market analysis, information and insights into the Indian personal accident and health insurance segment, including:
• The Indian personal accident and health insurance segment’s growth prospects by insurance category
• Key trends and drivers for the personal accident and health insurance segment
• The various distribution channels in the Indian personal accident and health insurance segment
• The detailed competitive landscape of the personal accident and health insurance segment in India
• Detailed regulatory policies of the Indian insurance industry
• A description of the personal accident and health reinsurance segment in India
• Porter's Five Forces analysis of the personal accident and health insurance segment
• A benchmarking section on Indian personal accident and health insurance segment in comparison with other BRICS countries

Summary

The Indian personal accident and health insurance segment posted significant growth during the review period. The segment’s gross written premium increased at a review-period (2009–2013) compound annual growth rate (CAGR) of 21.1%, despite the global financial crisis. The robust growth was driven by increasing healthcare expenditure, favorable government initiatives for large-scale health insurance programs, and the liberalization of industry regulations. Despite the increase, penetration remains low due to a lack of consumer awareness of personal accident and health insurance – especially in rural areas, a lack of cover for many diseases, and dependence on sales of products with attached tax benefits.

Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in India:
• It provides historical values for the Indian personal accident and health insurance segment for the report’s 2009–2013 review period, and projected figures for the 2013–2018 forecast period.
• It offers a detailed analysis of the key sub-segments in the Indian personal accident and health insurance segment, along with market forecasts until 2018.
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions.
• It analyses the various distribution channels for personal accident and health insurance products in India.
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in India for the personal accident and health insurance segment.
• It provides a detailed analysis of the reinsurance segment in India and its growth prospects.
• It profiles the top personal accident and health insurance companies in India and outlines the key regulations affecting them.

Reasons To Buy

• Make strategic business decisions using in depth historic and forecast market data related to Indian personal accident and health insurance segment and each category within it
• Understand the demand-side dynamics, key market trends and growth opportunities within Indian personal accident and health insurance segment
• Assess the competitive dynamics in the personal accident and health insurance segment, along with the reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing Indian insurance segment, and their impact on companies and the market's future

Key Highlights

• The personal accident and health segment accounted for 5.2% of the overall insurance industry’s gross written premium in 2013
• During the review period (2009–2013) the Indian personal accident and health insurance segment recorded a CAGR of 21.1%.
• Healthcare was one of the fastest-growing categories in India with a review-period CAGR of 22.0%, but a substantial proportion of the population is still unaware of health insurance, especially in rural areas.
• In July 2013, IRDA proposed an increase in the FDI limit from 26% to 49% in order to improve, promote and develop the domestic insurance industry, which was approved by the CCEA in July 2014. The increased cap is anticipated to attract global insurers to invest in the segment, intensifying competition over the forecast period.
• Health insurers used numerous prominent platforms such as print media and television, as well as organizing free health camps, to raise awareness of health insurance during the review period.
Table of Contents
1 Key Facts and Events
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Indian Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009-2018
4.2 Regional Benchmarking
4.2.1 Overview
4.2.2 Market trends
4.2.3 Scale and penetration
4.2.4 Total segment gross written premium
5 Personal Accident and Health Insurance Segment Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Personal Accident and Health Insurance Growth Prospects by Category
5.5.1 Personal accident insurance
5.5.2 Travel insurance
5.5.3 Health insurance
6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-commerce
6.5 Brokers
6.6 Other Channels
7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Legislation Trends by Type of Insurance
7.2.1 Life insurance regulatory trends
7.2.2 Property insurance regulatory trends
7.2.3 Motor insurance regulatory trends
7.2.4 Marine, aviation and transit insurance regulatory trends
7.2.5 Personal accident and health insurance regulatory trends
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Workmen's compensation insurance/employers' liability insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors
7.4.2 Insurance Regulatory and Development Authority
7.5 Non-Admitted Insurance Regulatory Trends
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Corporate tax
7.7.3 VAT
7.7.4 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in Indian Personal Accident and Health Insurance Segment
8.3 Comparison of the Top Five Insurers
8.3.1 Gross written premium
8.3.2 Net earned premium
8.3.3 Paid claims
8.3.4 Incurred loss
8.4 Leading Personal accident and health Insurers - New Product Launches
8.5 Leading Personal accident and health Insurers - Key Developments
8.6 New India Assurance Co. Ltd - Company Overview
8.6.1 New India Assurance Co. Ltd - key facts
8.6.2 New India Assurance Co. Ltd - key financials
8.7 United India Insurance Co. Ltd - Company Overview
8.7.1 United India Insurance Co. Ltd - key facts
8.7.2 United India Insurance Co. Ltd - key financials
8.8 National Insurance Co. Ltd - Company Overview
8.8.1 National Insurance Co. Ltd - key facts
8.8.2 National Insurance Co. Ltd - key financials
8.9 ICICI Lombard General Insurance Co. Ltd - company overview
8.9.1 ICICI Lombard General Insurance Co. Ltd - key facts
8.9.2 ICICI Lombard General Insurance Co. Ltd - key financials
8.1 Oriental Insurance Company Ltd - Company Overview
8.10.1 Oriental Insurance Company Ltd - key facts
8.10.2 Oriental Insurance Company Ltd - key financials
8.11 Star Health and Allied Insurance Co. Ltd - Company Overview
8.11.1 Star Health & Allied Insurance Co. Ltd - key facts
8.11.2 Star Health & Allied Insurance Co. Ltd - key financials
8.12 HDFC Ergo General Insurance Company Ltd -Company Overview
8.12.1 HDFC Ergo General Insurance Company Ltd - key facts
8.12.2 HDFC Ergo General Insurance Company Ltd - key financials
8.13 Bajaj Allianz General Insurance Co. Ltd - Company Overview
8.13.1 Bajaj Allianz General Insurance Co. Ltd - key facts
8.13.2 Bajaj Allianz General Insurance Co. Ltd - key financials
8.14 Apollo Munich Health Insurance Company Ltd - Company Overview
8.14.1 Apollo Munich Health Insurance Company Ltd - key facts
8.14.2 Apollo Munich Health Insurance Company Ltd - key financials
8.15 Reliance General Insurance Company Ltd - Company Overview
8.15.1 Reliance General Insurance Company Ltd - key facts
8.15.2 Reliance General Insurance Company Ltd - key financials
9 Appendix - 1
9.1 Market Capitalization Trend - Bombay Stock Exchange, India
9.2 GDP at Constant Prices (US$)
9.3 GDP per Capita at Constant Prices (US$)
9.4 GDP at Current Prices (US$)
9.5 GDP per Capita at Current Prices (US$)
9.6 Inflation Rate
9.7 Unemployment Rate
9.8 Household Consumption Expenditure (US$)
9.9 Total Population
9.1 Urban and Rural Populations
9.11 Age Distribution of the Total Population
10 Appendix - 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric's Services
10.5 Disclaimer

List of Tables

Table 1: Indian Personal Accident and Heath Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Indian Insurance Industry - Gross Written Premium by Segment (% Shares), 2009-2018
Table 4: Indian Insurance Industry - Direct Written Premium by Segment (% Shares), 2009-2018
Table 5: India - Life Insurance Regulatory Framework
Table 6: India - Property Insurance Regulatory Framework
Table 7: India - Motor Insurance Regulatory Framework
Table 8: India - Premium Rates for Third-Party (TP) Liability Insurance
Table 9: India - Corporate Income Tax Rates for the Financial Year 2013 - 2014
Table 10: India - Other Corporate Tax Rates for the Financial Year 2012-2013
Table 11: India - Changes in Corporate Tax Rates on Implementation of DTC
Table 12: Shares of Key Insurers in Indian Personal Accident and Health Insurance Segment (%), 2013
Table 13: New India Assurance Co. Ltd, Key Facts
Table 14:New India Assurance Co. Ltd, Key Financials (INR Million), 2009-2013
Table 15: United India Insurance Co. Ltd, Key Facts
Table 16:United India Insurance Co. Ltd, Key Financials (INR Million), 2009-2013
Table 17: National Insurance Co. Ltd, Key Facts
Table 18:National Insurance Co. Ltd, Key Financials (INR Million), 2009-2013
Table 19: ICICI Lombard General Insurance Co. Ltd, Key Facts
Table 20:ICICI Lombard General Insurance Co. Ltd, Key Financials (INR Million), 2009-2013
Table 21: Oriental Insurance Company Ltd, Key Facts
Table 22:Oriental Insurance Company Ltd, Key Financials (INR Million), 2009-2013
Table 23: Star Health & Allied Insurance Co. Ltd, Key Facts
Table 24:Star Health & Allied Insurance Co. Ltd, Key Financials (INR Million), 2009-2013
Table 25: HDFC Ergo General Insurance Company Ltd, Key Facts
Table 26:HDFC Ergo General Insurance Company Ltd, Key Financials (INR Million), 2009-2013
Table 27: Bajaj Allianz General Insurance Co. Ltd, Key Facts
Table 28:Bajaj Allianz General Insurance Co. Ltd, Key Financials (INR Million), 2009-2013
Table 29: Apollo Munich Health Insurance Company Ltd, Key Facts
Table 30:Apollo Munich Health Insurance Company Ltd, Key Financials (INR Million), 2009-2013
Table 31: Reliance General Insurance Company Ltd, Key Facts
Table 32: Reliance General Insurance Company Ltd, Key Financials (INR Million), 2009-2013

List of Figures

Figure 1: Indian Insurance Industry - Gross Written Premium by Segment (INR Billion), 2009-2018
Figure 2: Indian Insurance Industry - Gross Written Premium Dynamics by Segment, (2009-2018)
Figure 3: Indian Insurance Industry - Direct Written Premium by Segment (INR Billion), 2009-2018
Figure 4: Indian Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018)
Figure 5: BRICS Region - A Snapshot of the Economies and Populations, 2011
Figure 6: BRICS Region - Growth Trends in the Insurance Industry
Figure 7: BRICS Region - GDP at Constant Prices (US$ Trillion) and Annual Per Capita Disposable Income (US$), 2007 and 2011
Figure 8: BRICS Region - Health Expenditure Per Capita (US$), 2007 and 2011
Figure 9: BRICS Personal Accident and Health Insurance - Gross Written Premiums (US$ Billion), 2011
Figure 10: Gross Written Premium and Health Expenditure Statistics, 2008?2012
Figure 11: Distribution of Employment by Sector (%), 2010-2012
Figure 12: Population Distribution by Gender and Age Group
Figure 13: Rural and Urban Populations (%) and Outbound Tourism (Million), 2009-2013
Figure 14: Indian Personal Accident and Health Insurance - Gross Written Premium by Category (INR Billion), 2009-2018
Figure 15: Indian Personal Accident and Health Insurance - Gross Written Premium by Category (% Share), 2013 and 2018
Figure 16: Indian Personal Accident and Health Insurance - Direct Written Premium by Category (INR Billion), 2009-2018
Figure 17: Indian Personal Accident and Health Insurance - Direct Written Premium by Category (% Share), 2013 and 2018
Figure 18: Indian Personal Accident and Health Insurance - Earned Premium (INR Billion), 2009-2013
Figure 19: Indian Personal Accident and Health Insurance- Earned Premium (INR Billion), 2013-2018
Figure 20: Indian Personal Accident and Health Insurance - Paid Claims by Category (INR Billion), 2009-2018
Figure 21: Indian Personal Accident and Health Insurance - Incurred Loss by Category (INR Billion), 2009-2018
Figure 22: Indian Personal Accident and Health Insurance - Retentions by Category (INR Billion), 2009-2018
Figure 23: Indian Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Figure 24: Indian Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Figure 25: Indian Personal Accident and Health Insurance - Commission and Expenses (INR Billion), 2009-2013
Figure 26: Indian Personal Accident and Health Insurance - Commission and Expenses (INR Billion), 2013-2018
Figure 27: Indian Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Figure 28: Indian Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Figure 29: Indian Personal Accident and Health Insurance - Frauds and Crimes (INR Billion), 2009-2013
Figure 30: Indian Personal Accident and Health Insurance - Frauds and Crimes (INR Billion), 2013-2018
Figure 31: Indian Personal Accident and Health Insurance - Total Assets (INR Billion), 2009-2013
Figure 32: Indian Personal Accident and Health Insurance - Total Assets (INR Billion), 2013-2018
Figure 33: Indian Personal Accident and Health Insurance - Total Investment Income (INR Billion), 2009-2013
Figure 34:Indian Personal Accident and Health Insurance - Total Investment Income (INR Billion), 2013-2018
Figure 35: Indian Personal Accident and Health Insurance - Retentions (INR Billion), 2009-2013
Figure 36: Indian Personal Accident and Health Insurance - Retentions (INR Billion), 2013-2018
Figure 37: Indian Personal Accident and Health Insurance - Total Investment (INR Billion), 2009-2013
Figure 38: Indian Personal Accident and Health Insurance - Total Investment (% Share), 2009 and2013
Figure 39: Indian Personal Accident and Health Insurance - Penetration (%), 2009-2013
Figure 40: Indian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 41: Indian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 42: Indian Personal Accident and Health Insurance - Premium Per Capita (INR), 2009-2013
Figure 43: Indian Personal Accident Insurance -Number of Policies Sold (Thousand), 2009-2013
Figure 44: Indian Personal Accident Insurance -Number of Policies Sold (Thousand), 2013-2018
Figure 45: Indian Personal Accident Insurance -Gross Written Premium (INR Billion),2009-2013
Figure 46: Indian Personal Accident Insurance -Gross Written Premium (INR Billion), 2013-2018
Figure 47: Indian Personal Accident Insurance - Loss Ratio (%), 2009-2013
Figure 48: Indian Personal Accident Insurance - Loss Ratio (%), 2013-2018
Figure 49: Indian Travel Insurance -Number of Policies Sold (Thousand), 2009-2013
Figure 50: Indian Travel Insurance -Number of Policies Sold (Thousand), 2013-2018
Figure 51: Indian Travel Insurance -Gross Written Premium (INR Billion), 2009-2013
Figure 52: Indian Travel Insurance -Gross Written Premium (INR Billion), 2013-2018
Figure 53: Indian Travel Insurance - Loss Ratio (%), 2009-2013
Figure 54: Indian Travel Insurance - Loss Ratio (%), 2013-2018
Figure 55: Indian Health Insurance -Number of Policies Sold (Thousand), 2009-2013
Figure 56: Indian Health Insurance -Number of Policies Sold (Thousand), 2013-2018
Figure 57: Indian Health Insurance - Gross Written Premium (INR Billion), 2009-2013
Figure 58: Indian Health Insurance - Gross Written Premium (INR Billion), 2013-2018
Figure 59: Indian Health Insurance - Direct Written Premium (INR Billion), 2009-2013
Figure 60: Indian Health Insurance - Direct Written Premium (INR Billion), 2013-2018
Figure 61: Indian Non-Life Health Insurance - Loss Ratio (%), 2009-2013
Figure 62: Indian Non-Life Health Insurance - Loss Ratio (%), 2013-2018
Figure 63: Indian Non-Life Health Insurance - Retentions (INR Billion), 2009-2013
Figure 64: Indian Non-Life Health Insurance - Retentions (INR Billion), 2013-2018
Figure 65: Indian Personal Accident and Health Insurance - Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 66: Indian Personal Accident and Health Insurance -Direct Marketing Commission Paid (INR Billion), 2009-2013
Figure 67: Indian Personal Accident and Health Insurance - Direct Marketing Commission Paid (INR Billion), 2013-2018
Figure 68: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Direct Marketing (INR Billion), 2009-2013
Figure 69: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Direct Marketing (INR Billion), 2013-2018
Figure 70: Indian Personal Accident and Health Insurance -Policies Sold Through Direct Marketing (Thousand), 2009-2013
Figure 71: Indian Personal Accident and Health Insurance -Policies Sold Through Direct Marketing (Thousand), 2013-2018
Figure 72: Indian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 73: Indian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 74: Indian Personal Accident and Health Insurance - Bancassurance Commission Paid (INR Billion), 2009-2013
Figure 75: Indian Personal Accident and Health Insurance - Bancassurance Commission Paid (INR Billion), 2013-2018
Figure 76: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Bancassurance (INR Billion), 2009-2013
Figure 77: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Bancassurance (INR Billion), 2013-2018
Figure 78: Indian Personal Accident and Health Insurance -Policies Sold Through Bancassurance (Thousand), 2009-2013
Figure 79: Indian Personal Accident and Health Insurance -Policies Sold Through Bancassurance (Thousand), 2013-2018
Figure 80: Indian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 81: Indian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 82: Indian Personal Accident and Health Insurance - Commission Paid to Agencies (INR Billion), 2009-2013
Figure 83: Indian Personal Accident and Health Insurance - Commission Paid to Agencies (INR Billion), 2013-2018
Figure 84: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Agencies (INR Billion), 2009-2013
Figure 85: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Agencies (INR Billion), 2013-2018
Figure 86: Indian Personal Accident and Health Insurance -Policies Sold Through Agencies (Thousand), 2009-2013
Figure 87: Indian Personal Accident and Health Insurance -Policies Sold Through Agencies (Thousand), 2013-2018
Figure 88: Indian Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Figure 89: Indian Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Figure 90: Indian Personal Accident and Health Insurance - E-Commerce Commission Paid (INR Billion), 2009-2013
Figure 91: Indian Personal Accident and Health Insurance - E-Commerce Commission Paid (INR Billion), 2013-2018
Figure 92: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through E-Commerce (INR Billion), 2009-2013
Figure 93: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through E-Commerce (INR Billion), 2013-2018
Figure 94: Indian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Figure 95: Indian Personal Accident and Health Insurance -Policies Sold Through E-Commerce (Thousand), 2013-2018
Figure 96: Indian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 97: Indian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 98: Indian Personal Accident and Health Insurance - Commission Paid to Brokers (INR Billion), 2009-2013
Figure 99: Indian Personal Accident and Health Insurance - Commission Paid to Brokers (INR Billion), 2013-2018
Figure 100: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Brokers (INR Billion), 2009-2013
Figure 101: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Brokers (INR Billion), 2013-2018
Figure 102: Indian Personal Accident and Health Insurance -Policies Sold Through Brokers (Thousand), 2009-2013
Figure 103: Indian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Figure 104: Indian Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Figure 105: Indian Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Figure 106: Indian Personal Accident and Health Insurance - Commission Paid to Other Channels (INR Billion), 2009-2013
Figure 107: Indian Personal Accident and Health Insurance - Commission Paid to Other Channels (INR Billion), 2013-2018
Figure 108: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Other Channels (INR Billion), 2009-2013
Figure 109: Indian Personal Accident and Health Insurance - New Business Gross Written Premium Through Other Channels (INR Billion), 2013-2018
Figure 110: Indian Personal Accident and Health Insurance -Policies Sold Through Other Channels (Thousand), 2009-2013
Figure 111: Indian Personal Accident and Health Insurance -Policies Sold Through Other Channels (Thousand), 2013-2018
Figure 112: Indian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Figure 113: Indian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Figure 114: India - The Insurance Regulatory Framework
Figure 115: India - Insurance Supervision and Control at Various Levels
Figure 116: India - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 117: India - Judiciary System
Figure 118: Shares of Key Insurers in Indian Personal Accident and Health Insurance Segment (%), 2013
Figure 119: Gross Written Premium - Top Five Indian Personal Accident and Health Insurers, 2013
Figure 120: Net Earned Premium - Top Five Indian Personal Accident and Health Insurers, 2013
Figure 121: Paid Claims -Top Five Indian Personal Accident and Health Insurers, 2013
Figure 122: Incurred Loss -Top Five Indian Personal Accident and Health Insurers, 2013
Figure 123: Indian, Bombay Stock Exchange Market Capitalization (US$ Billion), 2008-2012
Figure 124: Indian GDP at Constant Prices (US$ Billion), 2008-2012
Figure 125: Indian GDP Per Capita at Constant Prices (US$), 2008-2012
Figure 126: Indian GDP at Current Prices (US$ Billion), 2008-2012
Figure 127: Indian GDP Per Capita at Current Prices (US$), 2008-2012
Figure 128: Indian Inflation Rate (%), 2008-2012
Figure 129: Indian Unemployment Rate (%), 2008-2012
Figure 130: Indian Household Consumption Expenditure(US$ Billion), 2008-2012
Figure 131: Indian Total Population (Million), 2008-2012
Figure 132: Indian Urban and Rural Populations (%), 2008-2012
Figure 133: Indian Population Distribution by Age (%), 2008-2012
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