When your insurance card suddenly stops working, it is not just a glitch. It is the symptom of a deeper crisis in Indian healthcare. 

Hospitals say insurers have failed to update reimbursement rates despite medical inflation. Insurers say hospitals are inflating bills and resisting standardization. 

Millions of policyholders are caught between them, forced to pay out of pocket for care they thought was covered. 

How did India’s healthcare system end up in this deadlock. And who really decides what your treatment is worth?

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