Health insurance works only when everyone contributes - The Economic Times

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.

Raccontata daeconomictimes.indiatimes.com