Dear Sir, If you do not have enough analytical capacity and enough knowledge to understand such important subject, please do not address the writer of such well analyzed article. Your comment (that writer works for health insurance company) itself shows your intellectual level Do not post bad remark against such writers Please note, the writer has presented before us the facts, figures and analysis. We, people of india, govt and everybody have to work together to find solution Insurance is not solution You are not able to understand the subject is a great pity itself