Liver Disease Claims Rise Across Younger India and Smaller Cities, Driving Up Treatment Costs: Care Health Insurance

India is facing a growing but underrecognised liver health crisis. According to the Ministry of Health and Family Welfare, NAFLD (Nonalcoholic Fatty Liver Disease) affects between 9% and 32% of the population, impacting nearly one in three individuals, and is being recognised as a ‘silent epidemic.’ Liver-related medical conditions already contribute to over 66% of total deaths, and rising treatment costs are making them an increasing financial burden. While India has integrated NAFLD screening into its NP -NCD (National Programme for Prevention & Control of Non-Communicable Diseases) programme, this policy momentum must be complemented by stronger individual-level financial preparedness. On the occasion of World Liver Day, Care Health Insurance’s data highlights the intensity of the challenge at both individual and household levels. The analysis indicates that liver-related claims have doubled over the past three years, driven by increasing treatment severity and a steadily expanding demographic and geographic footprint.

Today, the medical costs for treating liver ailments are nearly 100% higher than 3 years ago. Claims experience suggests that a minimum cover of ₹15 lakh and above is fast becoming the baseline for adequate financial protection against liver disease treatment. The data also indicates a 5–10% year-on-year increase in liver diseases among young policyholders, a 10–15% annual rise in claims from Tier 2 and Tier 3 cities, and a nearly 10% year-on-year increase in claims among female policyholders, highlighting that liver disease is no longer concentrated among older, male, or metro-based demographics.

Commenting on the findings, Manish Dodeja, Chief Operating Officer, Care Health Insurance, said, “Liver diseases are no longer confined to a narrow risk pool but are expanding in ways that are increasingly concerning. We have observed a clear shift in both profile and intensity. Cases are rising sharply, younger population is getting impacted, and the financial impact on households is becoming significantly heavier. This is not just a clinical issue; it is increasingly an economic one as well. It is therefore critical for individuals to periodically review their health coverage and ensure their sum insured keeps pace with these evolving risks, because unless awareness, early detection, and financial preparedness move in tandem, the gap between risk and readiness will continue to widen.”

These observations are consistent with broader clinical and epidemiological findings. Recent clinical guidance based on Indian Paediatric Gastroenterology Standards indicates that fatty liver disease is rapidly emerging as a leading cause of chronic liver disease in children, particularly among those with obesity and related metabolic risk factors. According to the World Obesity Observatory, approximately 1.19 crore Indian children could be living with liver disease by 2040 if current trends persist, pointing to lifestyle and dietary risk factors as a growing concern across age groups. Rising treatment costs and increasingly complex care pathways make liver disease one of the most financially demanding medical conditions an Indian family can face today. On World Liver Day, Care Health Insurance urges every individual to act — get screened, adopt healthier habits, and review your health cover before a diagnosis makes the decision for you.