ahmedabad health insurances earlier considered push products or accounting for discretionary expenses have become pull products or a necessity for a large section of the society as covid19 has increased peoples awareness about them this was stated by the top officials of insurance companies in a webinar hosted by the gujarat chapter of confederation of indian industry cii on sunday hitesh birani executive vicepresident at hdfc ergo general insurance said that the customers should opt for super topup covers offered by insurance companies cii gujarat vicechairman vinod agrawal said that healthcare spending in india was just 42 of the gdp the lowest among brics brazil russia india and china nations around 9092 crore population of india is covered by pmjay esic and other government schemes and by insurance companies while 40 crore people are undercovered or not covered at all said agrawal