Corona Virus Contribution…


As the world is facing the serious issue of Corona virus and most of the countries have imposed nationwide lock down, the number of cases of this pandemic seems unstoppable. The total number of cases of Covid-19 had surpassed 4.5 million and is inching towards 5 million mark. No body knows, when this will come to a halt. Total number of deaths due to Covid-19 is 313,759 (at the time of writing this article) and it may not be unprecedented if deaths increases in near future. It’s rare to see any country free from Corona virus pandemic at this point of time. United States had suffered the most, both in terms of number of cases and deaths. In fact, the total number of cases in US had surpassed 1.5 million and number of deaths had crossed 90,000 mark. Every country is working on in their capacity to have some cure in near future, including the vaccine.

Needless to say, be it small or big county (in terms of population), Covid-19 has compelled the world to “Stand-still, and India is no more exception. India, the 2nd largest country of the world (in terms of population), has been also hit badly due to this Corona virus pandemic. The country is in lock down for almost two months now and it may continue. Lock down 4.0 has been imposed as well and has been extended to 31st May, 2020. Due to large population and population density, the risk of community spread is very high in India, especially in major cities where population density is highest.  Mumbai has the largest number of cases in India and the city which never slept and stopped, came to halt. This is the case with all the major cities in India. Most of the services has stopped functioning in India except the essential services due to Covid-19. As of now, the total number of Covid-19 cases in India is over 91,000. The increase in number of cases in recent days is a matter to worry. The first case in India was reported on 30th January, 2020 from Kerala. There were 62 cases on 10th March and 1251 cases on 30th March. The current tally stands at 91,449 (at the time of writing this article). Let’s look at the number of cases and deaths in India.

Table: Total No of Corona Cases and deaths in India as on selective dates
Date Total No of Cases Total No of deaths
26th Feb 2020 3 0
10th Mar 2020 62 0
30th Mar 2020 1,251 32
10th Apr 2020 7,600 249
25th April 2020 26,283 825
1st May 2020 37,257 1,223
5th May 2020 49,400 1,693
10th May 2020 67,161 2,212
15th May 2020 85,784 2,753
16th May 2020 90,648 2,871
Source: https://www.worldometers.info/coronavirus/country/india/

Look at the above figures carefully, the number of cases and deaths have more than doubled from 1st May to 16th May 2020. There were 4,864 new cases reported on 16th May, the highest number of cases reported in a day so far. Although, India has a good recovery rate so far as compared to other countries, due to proactive lock down and other steps taken by the government. But, the above figures are matter of concern as the total number of cases in inching towards 100,000.

Testing of Covid-19 should be also taken into consideration. As of now (at the time of writing this article), there are 22,27,642 tests have been conducted. The total number of Corona cases comes out to be 4.1% of the total tests conducted. India with over 1.3 billion population, the number of tests conducted so far is not even 0.5% of the total population. Now consider the testing conducted on at least 1% of the total population which comes out to be around 1,30,00,000 and applying the same assumption, the total number of Corona cases comes out to be around 533,000 (4.1% of 1,30,00,000 = 533,000). Similarly, if the tests are conducted for at least 10% of the country’s population, you can imagine the number of cases which comes out to be over 1 million. That’s why it is a matter of concern, considering the fact, India lacks well and proper health infrastructure.

Since this is a pandemic situation and the country had suffered and may suffer serious economic loss post the Covid-19 era. But we don’t know when this will end. As most of the economic activities had stopped, the country Gross Domestic Product (GDP) will fall drastically. The International Monetary Fund (IMF) too had predicted the same. Most of the population of India works in unorganized sector and this sector has been hit the worst. Daily wages labours have no work and they are migrating to their home-town and the saddest part is, they are losing their lives. I am amazed and saddened to hear accidents are happening in this lock down situation (God knows how and why during lock down), killing innocent people.  People are dying due to hunger and accidents. Kids are crying in front of dead bodies of their parents and our so-called intellectual leaders are leaving no stone unturned to do politics on it… Sorry to say but that’s the fact…

PC: Google

There are also information coming from many companies that they are doing salary deduction due to Covid-19 situation, be it big corporates or small companies. The salary deduction ranges from 5% to 50%. This is shocking. Employees main source of income is their salary and work from home is in practice right now, then why salary deduction? It is shocking to see that some of the big names who used to give lectures on crisis management doesn’t have enough reserves to pay their employees. It may not be shocking to see high number of lay-offs and termination during or post Corona era.

The other contribution of this Covid-19 is on Stock market. Both Nifty 50 and Sensex fell. Currently, Nifty 50 is trading below 10,000 mark and it is important to note that it touched 7600 mark on 23rd March 2020. Same is the case with Sensex. Sensex is trading below 40,000 and it was trading just below 26,000 on 23rd March 2020 and currently trading just above 30,000. Nifty 50 and Sensex are the two most important stock indexes of India, traded on National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) respectively.

To summarize, some of the Corona Virus contribution includes:

  • Pandemic situation across the country and world.
  • Large number of deaths.
  • Unorganized sector worst hit in India.
  • Economic activities stopped.
  • Daily wages labours and their families are badly affected.
  • Innocent deaths due to accidents and hunger.
  • Illogical politics.
  • Salary deductions.
  • Phase-wise lock down.
  • Stock market down.

It is hard time and we must unite to tackle this situation. Please share your views on what you think on the current Covid-19 situation and what according to you is the contribution of Covid-19 apart from what is mentioned above.

– Ashish Kumar

It requires Courage to commit SUICIDE…


Death is the ultimate truth as it is one of the rarest events which is certain to happen in life. He who are born will surely die as nobody is immortal. There can be many reasons of death like malnutrition, hunger, disease, injury or accidents, death due to natural calamity etc. One of the other reasons for death is suicide. Suicidal death is a serious concern which is rarely discussed and debated. Death is certain but committing suicide is right or wrong? This question is debatable and is subjective in nature. Needless to say, Suicide is a crime and this crime is not punishable unlike others. Suicidal deaths happen across the globe. In this article, I have tried to cover this burning topic of suicidal deaths.

India is a large country both in terms of area and population and the country had faced and is facing many issues. The question arises whether suicide is an issue? Looking at the suicidal death figures, one can get the glimpse of it. The statistics mentioned in this article is based on the Accidental Deaths and Suicides in India (ADSI) 2015 report published by National Crime Record Bureau (NCRB), Ministry of Home Affairs, Govt. of India. In fact, suicidal deaths in India is more than 130,000 per year as per the NCRB data. Let’s look at the suicidal deaths from 2011 to 2015 as mentioned in below table:

Table 1: Suicidal deaths in India
Year Suicidal Deaths
2011 135,585
2012 135,445
2013 134,799
2014 131,666
2015 133,623
Source: Accidental Deaths and Suicides in India (ADSI) 2015 published by National Crime Record Bureau (NCRB), Ministry of Home Affairs, Government of India

As it can be inferred from the five years data, suicidal deaths in India is more than 130,000 per year. In fact, the average suicidal deaths for the above mentioned five years comes out to be 134,223 per year. Further, calculating the average suicide in a day from 2011-2015, it comes out to be 368 (134,223 / 365 = 368). It means 368 people are committing suicide in India on daily basis. Further, 15 people commit suicide per hour (368/24 = 15).

Breaking it further, incidence of suicidal deaths is not distributed equally throughout the country. Some states have large number of suicidal deaths and some have few. In fact, it is largely concentrated in few states. In the year 2015, Maharashtra, Tamil Nadu and West Bengal were top 3 three states in suicides as mentioned in below table:

Table 2: Top 10 states in suicidal deaths in the year 2015
State Suicidal Deaths Percentage Share
Maharashtra 16970 12.7%
Tamil Nadu 15777 11.8%
West Bengal 14602 10.9%
Karnataka 10786 8.1%
Madhya Pradesh 10293 7.7%
Telangana 10140 7.6%
Kerala 7692 5.8%
Gujarat 7246 5.4%
Chhattisgarh 7118 5.3%
Andhra Pradesh 6226 4.7%
Source: Accidental Deaths and Suicides in India (ADSI) 2015 published by National Crime Record Bureau (NCRB), Ministry of Home Affairs, Government of India

Maharashtra accounted for 12.7% of suicidal deaths in India in 2015 followed by Tamil Nadu and West Bengal with 11.8% and 10.9% of suicidal deaths respectively. Karnataka and Madhya Pradesh accounted for 8.1% and 7.7% of suicidal deaths respectively. Combining these top five states, they accounted for 51.2% of suicides reported in the country, in 2015, and rest of India reported 48.8% suicides. It is important to note from the above table that Uttar Pradesh which is the most populated state (17% of country’s population) in the country is not in the top 10 list. In fact, Uttar Pradesh had reported comparatively lower percentage share in terms of suicidal deaths, accounting for only 2.9% of the total suicidal deaths in the country in 2015.

Apart from the top states with suicides, let us have a look at the major cities in India where suicidal deaths are in ample amount which is mentioned in below table:

                                Table 3: Top 10 Major cities with suicidal deaths in the year 2015
City Suicidal Deaths
Chennai 2274
Bengaluru 1855
Delhi 1553
Mumbai 1122
Pune 873
Ahmedabad 869
Hyderabad 728
Surat 663
Indore 528
Nagpur 483
Source: Accidental Deaths and Suicides in India (ADSI) 2015 published by National Crime Record Bureau (NCRB), Ministry of Home Affairs, Government of India

Chennai heads the top of the list when it comes to suicides in major cities followed by Bengaluru and Delhi. There were 2274 suicides in Chennai in 2015 followed by Bengaluru and Delhi having 1855 and 1553 suicides respectively in 2015. As we know, New Delhi is the capital and Mumbai is the financial capital of India, Chennai can be said as the “Suicidal Capital”, on a lighter note. All the major cities like Chennai, Bengaluru, Delhi, Mumbai etc have reported more than 1000 suicides in 2015.

The Big Picture

One important characteristic of human being is courage and courage is required many times in life. There are many adventures which people like to do which requires courage. Courage is required in taking tough decisions and tackling unwilling situation. In fact, it is often required to take daring and courageous decisions in life.

When a soldier is fighting with the enemy, he must be fearless and courageous to defend his nation. When a student disqualifies in his exams or job recruitment, he should fight back with proper preparations which requires strong determination. Imagine a situation where nothing is in your support (financial, moral or familiar) and you are determined to pursue your goals going against everyone, taking such kind of decision require immense courage. When farmers bow seeds in rainy season, courage is required. There are many famous personalities across the globe who have proved themselves with their strong determination and courageous decisions.

Having said that, what makes people to commit suicide. What makes them to take such decision? It can be poverty, love affairs, unemployment, hunger, financial problem etc. As per the ADSI report, 27.6% of suicidal deaths in 2015 happened due to family problems. The other causes of suicides are mentioned in below table:

Table 4: Percentage share of Various causes of Suicides during 2015
Causes Percentage Share
Family Problems 27.60%
Illness 15.00%
Causes not known 12.10%
Marriage related issues 4.80%
Love affairs 3.00%
Bankruptcy or indebtedness 3.30%
Drug Abuse/Addiction 2.70%
Unemployment 2.00%
Failure in Examination 2.00%
Other Causes (Poverty, Physical abuse, Professional/Career problem etc) 26.20%
Source: Accidental Deaths and Suicides in India (ADSI) 2015 published by National Crime Record Bureau (NCRB), Ministry of Home Affairs, Government of India

From the above table, it can be inferred that family problem was the major cause of suicides in 2015. Tamil Nadu recorded the highest number of suicides due to family problems. There were 7377 suicides due to family problems in Tamil Nadu in the year 2015. The second most cause of suicide is illness accounting for 15% of total suicides. Unemployment and failure in exam accounts for 2% separately.

From the statistics discussed above on number of suicides and causes of suicides, suicide is a major concern, but it is rarely discussed and debated. There are many problems one faces in his life but ending own life solves the problem?

Committing suicide requires enormous courage. Every decision in life requires some courage but committing suicide requires the most. Ending one’s own life is not feasible and suicide cannot be the solution of any problem. Think the other way around. If someone has the courage to decide to commit suicide, why can’t that courage should be used to solve the problem? There are some points which I would like to raise…

  • Committing suicide requires courage. Why that courage is not used to solve the problems which compels the person to commit suicide?
  • Ending one’s life and leaving the family members alone is good?
  • Committing suicide is the toughest decision and if someone can take such decision which requires enormous courage, that courage should be used to tackle the situation which compelled the people to commit suicide.
  • The person who commits suicide leaves a forever pain to his near and dear ones. The person who commits suicide gets rid of the problem, but his family suffers for long. A void is created which is impossible to fill.
  • India, where 368 people and 15 people commit suicide on daily basis and hourly basis respectively, why this issue is not raised and what can be the solution to minimize the same?

What is your take on suicide? Is it justifiable to end own life or that courage should be utilized to solve the issue? While reading this article of mine, some of you may think that I am being philosophical by raising such query but frankly speaking, this is a concern which was in my mind for many years and hence thought of putting before you. In fact, I have raised this issue in one of my previous articles titled “Suicide – Right or wrong?”, the same can be read here.

Please share your views. Would be happy to have insights from all of you on this rarely discussed issue.

– Ashish Kumar

Try to Laugh – 1


Laughing is a good exercise and it is always recommended to laugh to release stress. In fact, some people laugh without any reason. Life is too busy these days and there are many browsing internet in search of jokes to laugh. I am a silent person most of the time but when I am in mood, I leave no chance to make myself laugh and others as well. So, in this post, I thought of sharing a joke which is as follows:

Some of my friends kept on asking me, whether I have been to any Cruise? One day, I thought to answer this question.

Friend: Hey, have you been to any Cruise? It’s awesome yar.

Me: Of course, Yes!

Friend: Waw… I have been to Cruise 3-4 times.

Me: Oh… Only 3-4 times. And I go to Cruise more often.

Friend: Waw… You are so lucky and rich.

Me: How?

Friend: You have been to Cruise several times.

Me: Yeah, I have… In fact, I have been to Cruise hundreds of hundreds time.

Friend: Looking at me surprisingly! OMG…

Me: Looking at his face for some time and asked, what happened buddy? You are shocked?

Friend: No no…But I was thinking…

Me: What you are thinking?

Friend: Nothing… You are very rich.

Me: See, I have been to “Santacruz” several times in Mumbai… 😊  Whenever I go to office by train/road, Santacruz comes in between. 😊 😛 

Friend: Scratching his head…. 😊

Well, I think most of you have understood, particularly Mumbaikars. Santacruz is a place in Mumbai. This is the response I gave once. You may consider this a PJ i.e Pakau Joke. But think the other way around, PJ can be Perfect Joke as well. 😊  😛 Hahaha… Just try to laugh if you can. You might be wondering who created this above PJ and the answer is me… Lol 😊 I will be sharing some more jokes… Don’t think much by reading this post and just keep your mind aside and yeah, try to laugh… 😊

Ashish Kumar

Arogya Sanjeevani Policy – Standard Individual Health Insurance Product


The insurance regulator i.e IRDAI has provided a New Year gift to the general public by paving the way for introduction of Standard Individual Health Insurance Product which will be known as Arogya Sanjeevani Policy. This product will be issued by all the non-life insurers as well as the Stand Alone Health Insurers (SAHI) from 1st April 2020 onwards.

 

There are many health insurance products with varying coverages offered by the insurance company. Often it creates confusion in the public as the terms and conditions vary amongst products. As health insurance is one of the basic needs of the public, it was necessary to have a standard product which should have common coverage across the industry. With this point of view, Insurance Regulatory and Development Authority of India (IRDAI) released Guidelines on Standard Individual Health Insurance Product on 1st January, 2020 which providing the details of the coverages and exclusions of the afore mentioned product. All the non-life and SAHI are mandatorily required to offer this product with same coverages and exclusions. IRDAI in the guidelines mentioned the below objectives in relation to the introduction of this standard product:

  • Insurance policy to take care of basic health needs of insuring public.
  • To have a standard product with common policy wordings across the industry.
  • To facilitate seamless portability among insurers.

This means every insurance company (general and health) will offer this product with same policy wordings as stipulated in this guideline without any modifications in coverages and exclusions. The insurance companies are free to price the product. However, Insurer can determine the price but the premium for this product shall be PAN India basis and no geographical location/ zone-based pricing is allowed. Let’s understand this with an example. Suppose, a person living in Mumbai buys this product from XYX Insurance company with Sum Insured of INR 5,00,000 and pays some premium say, INR 15,000. Other person residing in town, say Agra buys the product form the same company i.e XYZ Insurance with Sum Insured of INR 5,00,000 and he will also pay INR 15,000. The premium will be same for the same Sum Insured (INR 5,00,000 in the example) from the same insurance company (XYZ Insurance in the example) irrespective of the geographical area.

Unique Features of the Product

  • Obesity treatment covered.
  • All Day Care Treatment/Procedures are covered. Day Care Treatment means treatment or surgery where hospitalization required is less than 24 hours. Generally, there are list of day care procedures in health insurance policy which varies from company to company. Some company provides 140 day care treatments, some provide 200, 400, 500 or more. This product covers all day care treatment.
  • Dental Treatment, Plastic surgery necessitated due to disease or injury are covered. Generally, dental treatment and plastic surgery are covered only if necessitated due to accident/injury, but this product provide coverage due to disease as well.
  • Some of the procedures like Stem cell therapy, Robotics surgeries which are generally excluded from the health insurance products are covered in this product. The coverage for such procedures is restricted to 50% of the Sum Insured. The list of such procedures are mentioned in the Benefict Schedule of this article.

Features of the Product

  • The nomenclature of the Product shall be Arogya Sanjeevani Policy, succeeded by name of the insurance company, (Arogya Sanjeevani Policy, <name of the insurer>. No other name is allowed.
  • No Add-ons or optional covers are allowed to be offered along with the standard product. It shall not be combined with Critical Illness covers or Benefit Based Covers.
  • The product shall be offered on indemnity basis only.
  • Every General and Stand Alone Health Insurer are mandatorily required to offer this standard individual health insurance product.
  • The Policy tenure of the standard product shall be for a period of one year with lifelong renewability.
  • Minimum Sum Insured shall be INR 1 Lakh and Maximum Sum Insured shall be INR 5 Lakhs (in the multiples of 50,000).
  • Pricing: Insurer can determine the price but the premium for this product shall be PAN India basis and no geographical location/ zone based pricing is allowed.
  • The product can be offered on Individual or Family Floater basis.
  • Premium payment can be made on Yearly, Half-yealy, quarterly or monthly basis. ECS(Auto Debit facility) is also allowed.
  • 30 days Grace Period for Yearly premium payment and 15 days Grace Period for other mode of premium payment.
  • Minimum and Maximum entry age is 18 years and 65 years respectively for adults. Dependent children can be covered from the age of 3 months to 25 years.
  • Co-payment: Fixed Co-payment of 5% shall be applicable across all ages for all claims.
  • No Deductibles are permitted in this product.
  • Sub-Limit on Cataract: Cataract expenses shall be covered up to 25% of Sum Insured or INR 40,000 whichever is lower.
  • Dental Treatment, Plastic surgery necessitated due to disease or injury are covered.
  • Cumulative Bonus: 5% of SI for each Claim Free Year max up to 50%.
  • Moratorium Period: After completion of 8 continuous years under the policy, no look back would be applied. This period of eight years is called moratorium period. After the expiry of Moratorium Period, no claim under the policy shall be contestable except for proven fraud and permanent exclusions specified in the policy.
  • The standard product may be offered as Micro Insurance Product subject to the provisions of IRDAI (Micro Insurance) Regulations 2015.

The detail coverage’s are provided in the below benefit schedule.

Benefits Description
Hospitalization Expenses Expenses of Hospitalization for a minimum period of 24 consecutive hours. 24 hours time limit is not applicable if treatment is undergone in a Day Care Centre.

Other Expenses:

·         Dental Treatment, necessitated due to disease or injury

·         Plastic Surgery, necessitated due to disease or injury

·         All Day Care treatments

Sub Limit for room/doctors fee ·         Room, Boarding, Nursing expenses covered up to 2% of Sum Insured subject to maximum of INR 5000 pet day.

·        ICU/ICCU expenses up to 5% of Sum Insured subject to maximum of INR 10,000 per day.

Pre-Hospitalization For 30 Days prior to the date of hospitalization
Post-Hospitalization For 60 Days from the date of discharge from the hospital.
Coverage for Specific Procedures Following procedures will be covered either as in patient or day care treatment in a hospital up to 50% of Sum Insured:

·         Uterine Artery Embolization and HIFU (High Intensity focused ultrasound

·         Balloon Sinuplasty

·         Deep Brain Stimulation

·         Oral Chemotherapy

·         Immunotherapy – Monoclonal Antibody to be given as injection

·         Intra vitreal injections

·         Robotic Surgeries

·         Stereotactic radio surgeries

·         Bronchical Thermoplasty

·         Vaporisation of the prostate (Green Laser treatment or holmium laser treatment)

·         IONM – Intra Operative Neuro Monitoring

·         Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Road Ambulance Road Ambulance expenses up to INR 2000 per hospitalization
AYUSH Treatment Expenses incurred for inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured, during each policy year as specified in the policy schedule.
Cataract Treatment Covered up to 25% of Sum Insured or INR 40,000 whichever is lower, per eye, under one policy year
Pre Existing Diseases (PED) PEDs declared in the Proposal Form shall be covered after Waiting Period of 4 years.
Obesity Cover Treatment of obesity are covered if all the below conditions are met:

1.       Surgery to be conducted is upon the advice of the doctor

2.       The surgery/procedure conducted should be supported by clinical protocols

3.       The members has to be 18 years of age or older and

4.       Body Mass Index (BMI);

a)       Greater than or equal to 40 or

b)      Greater than equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss;

i)                    Obesity related cardiomyopathy

ii)                   Coronary heart disease

iii)                 Severe Sleep Apnea

iv)                 Uncontrolled Type 2 Diabetes

Cumulative Bonus 5% of Basic Sum Insured for each Claim Free Year subject to a maximum of 50% of Sum Insured. In the event of Claim, the Cumulative Bonus shall be reduced at the same rate.
Co-Payment 5% Co-Payment on all claims.

Waiting Period

Waiting Period means that the listed risks will be covered after some duration from the commencement of the policy. The waiting period for the proposed Standard Individual Health Insurance Product are mentioned below:

  • Treatment of any illness within 30 days from the first policy commencement except claims arising due to accident.
  • 24 Months Waiting Period: Following specified disease are covered after 24 months waiting period.
    1.       Benign ENT Disorder 11. Gout and Rheumatism
    2.       Tonsillectomy 12. Hernia of all types
    3.       Adenoidectomy 13. Hydrocele
    4.       Mastoidectomy 14. Non Infective Arthritis
    5.       Tympanoplasty 15. Piles, Fissures and Fistula in anus
    6.       Hysterectomy 16. Pilonidal sinus, Sinusitis and related disorders
    7.       All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps 17. Prolapse inter Vertebral Disc and Spinal diseases unless arising from accident
    8.       Benign Prostate hypertrophy 18. Calculi in urinary system, Gall Bladder and Bile Duct, excluding malignancy
    9.       Cataract and age related eye ailments 19. Varicose Veins and Varicose Ulcers
    10.    Gastric/Duodenal Ulcer 20. Internal Congenita; Anomalies
  • 48 Months Waiting Period: Treatment for Joint replacement unless arising from accident and Age related osteoarthritis & Osteoporosis are covered after 48 Months waiting period.

Exclusions

Some of the exclusions of the Policy are as follows:

  • Treatment taken outside India.
  • Treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
  • Sterlity and infertility
  • Maternity expenses
  • Expenses incurred on Domiciliary Hospitalization and OPD treatment.

Impact

This product is launched to increase the insurance penetration and insurance density of India and to make health insurance affordable to general public. As the policy wordings are standard and it won’t change form company to company, chance of confusion among the general public is minimal. It will also have competition among insurers in terms of pricing of the product i.e premium charged. Insurance company will have to provide best pricing for the listed coverages. The performance of this product can be assessed only after its launch but it is expected to have positive result in the insurance industry.

I hope this article will be useful for the readers and I have also attached the Guidelines on Standard Individual Health Insurance Product for your reference. 🙂

Guidelines on Standard Individual Health Insurance Product 2020

– Ashish Kumar

Suicide – Right or wrong?


Suicide, the word seems to be little awkward and is generally considered to be a crime. There can be many reasons to commit suicide. This article highlights one of the major problems i.e suicide which is rarely discussed.

India reported 1,33,623 suicidal deaths in the year 2015 as per the National Crime Records Bureau (NCRB), Ministry of Home Affairs, Government of India. This figure is strange as more than a lakh people committed suicide. Out of the total suicide, female suicide accounted to 42088 and male suicide were 91528 and rest 7 were transgender. Let us look at some statistics of suicides in India as illustrated in the following table which highlights the top 10 suicidal states.

Table 1: Suicidal deaths in top 10 states in the year 2015
State Suicidal Deaths
Maharashtra 16970
Tamil Nadu 15777
West Bengal 14602
Karnataka 10786
Madhya Pradesh 10293
Telangana 10140
Kerela 7692
Gujarat 7246
Chattisgarh 7118
Andhra Pradesh 6226
Source: National Crime Records Bureau (NCRB), Ministry of Home Affairs, Government of India.

As it can be interpreted from the above table, Maharashtra, Tamil Nadu and West Bengal are leading in suicidal deaths. The above table also states that the problem of suicide is present throughout India from north to south, west to east which is an alarming situation. Let us look at the top 10 major cities in India having a wide number of suicidal deaths which is illustrated in the following table.

Table 2: 10 major cities with suicidal deaths in the year 2015
City Suicidal deaths
Chennai 2274
Bengaluru 1855
Delhi 1553
Mumbai 1122
Pune 873
Ahmedabad 869
Hyderabad 728
Surat 663
Indore 528
Nagpur 483
Source: National Crime Records Bureau (NCRB), Ministry of Home Affairs, Government of India.

From the above table, Chennai is the leading city with highest number of suicidal deaths and can be said as the suicidal capital of India. The five major cities of India namely Delhi, Mumbai, Chennai, Bengaluru and Hyderabad are in the list of top 10 cities having suicidal deaths.

There can be many reasons for suicide. Some of the reasons can be work pressure, extra marital affairs, love failure, household atrocities, depression, stress, no hope for survival, examination pressure of failure, hunger, lack of basic amenities to live, poverty etc. However, the exact reason behind people committing suicide is difficult to find. Some people say that it is the state of mind which allows people to take such step. Yes, it is the mind who decides what to do and what not to do and it is ultimately the decision of people who go to end their life. This is startling but is the harsh reality.

Life is precious and should be lived and enjoyed while facing the bad moments. Nothing lasts forever, whether it is good or bad. Approach should be to fight and not to quit and end up one’s life. One needs to be strong enough to tackle the situation. It’s amazing to know that there are cases where people come to end up their life if failed in some activities which they have desired most. But is committing suicide is right? Life doesn’t end if you fail.

Please share your views on suicide. Those who commit suicide, is it right or wrong? What according to you is the reason behind committing suicide and what steps can be taken in order to curb suicidal deaths? Please share your thoughts.

– Ashish Kumar