Percentage of Households Covered by Health Insurance or Health Schemes measures the proportion of households where at least one usual member is enrolled in a health insurance plan or covered under a health scheme. It reflects the accessibility and reach of health coverage within a population, highlighting the level of financial protection available against health-related expenses. The coverage can stem from government-sponsored schemes, private insurance providers, or employer-provided plans. A higher percentage signifies better financial risk mitigation for medical emergencies, fostering improved healthcare access and reducing the burden of out-of-pocket expenditure. Conversely, a lower percentage may indicate gaps in affordability, awareness, or availability of health insurance options. This indicator is crucial for policymakers, as it helps evaluate the effectiveness of existing health schemes and identify populations vulnerable to healthcare inequities. Tracking this data over time can inform strategies to expand health coverage, ensuring universal health care and financial security for all households.