Hello Mayur, thanks for reading. Here is the source for the 44% figure, even insurers state this figure: https://www.livemint.com/Money/YopMGGZH7w65WTTxgPLoSK/56-Indians-still-dont-have-a-health-cover.html.
Also, the 80% number is not from mine or someone else's imagination but based on the data that insurers are seeing in India. It was the figure quoted by senior executives seeing this first hand based on their claims. When someone gets hospitalised for symptoms of Covid, 5.5 days is the average duration of hospital stay for mild cases. You could argue the data sample is too less as of now, but that's the issue with Covid. The sample-set keeps evolving, and we can only capture the here and now, for now.