This is a submission for the Gemma 4 Challenge: Write About Gemma 4
India's healthcare system is hemorrhaging money, time, and trust at an industrial scale.
₹26,037 crore in health insurance claims denied in FY 2023-24 alone — ₹15,100 crore disallowed and ₹10,937 crore repudiated — largely because of incomplete documentation and missing medical history (IRDAI Annual Report)
32% of patients transferred between facilities with incompatible record systems undergo duplicate diagnostic testing within 12 hours, with 20% of those duplicates being clinically unnecessary (NIH peer-reviewed study)
47% of India's total health expenditure is paid out-of-pocket by patients — among the highest rates globally — inflated by repeated tests and fragmented care
