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The Economic Times

Opinion / The Economic Times

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Health insurance works only when everyone contributes

A small group of health insurance customers accounts for most hospitalisation costs. The remaining 95% must pay premiums to keep the system running. Mechanisms like co-payments and deductibles are vital for long-term stability. Strict underwriting at the point of sale and clear communication build consumer trust. Financial strength and principle-based regulation are also essential for a healthy insurance ecosystem.

23 May 2026 12:24 am