New Delhi, Feb. 3 -- As India seeks to deepen health insurance adoption, a few companies are combining treatment and care with medical coverage, promising improved outcomes and lower premiums.

Non-life insurance premiums, including health coverage, are expected to grow at an annual average rate of 13-15% in the medium, according to PwC. Such an increase makes consumers less likely to renew due to affordability concerns. Experts say that an integrated healthcare model may offer a solution.

"The future of health insurance and care is where the provider is an active partner," said Ravi Vishwanath, director of Narayana Health Insurance, the insurance arm of publicly listed hospital network Narayana Health.

The company launched its insuranc...