When I discuss with people, they say they would go to Sarkari Hospital, Now as per one survey - Free public hospitals are not an option as two out of five doctors are absent, and there is a 50% chance of receiving the wrong treatment.

Now with health insurance - With ‘smart card’. A patient can choose from almost 1,000 private or government hospitals. The poor have a choice to exit a bad hospital, something that only the rich can do today. Competition between hospitals will improve the quality of healthcare and new hospitals will come up because there is now money in catering to the poor.

Health Insurance is must if you are poor, can avoid if you are Rich.