As many patients in India choose private health care for better quality and shorter wait time, high out-of-pocket private healthcare costs are a key driver of India's healthcare industry. This means that most Indian patients pay for their hospital visits and doctors appointments with cash--roughly 60 percent according to the World Health Organization. Only around 10 percent are covered by private health insurance. An Indian government report shows three-quarters of those without coverage use their own savings while more than 18 percent take out loans to pay.