The New health Insurance players can look towards a substantial portion of the 200-300 million strong middle classes for health insurance business. This will in turn provide a fillip to the growth of the health care delivery system, both qualitatively and quantitatively.

The poor who are not in a position to pay the premiums demanded by the private players will have to be looked after by the public health care system till they graduate to the premium paying stage. The government can help in …

Surveys of self-employed individuals consistently show that one of their major concerns is the ability to buy affordable health insurance. One in 4 self-employed persons has no health insurance today even tough more than 70% of these people could afford to buy high quality health insurance if they had an effective buying strategy.

Have a budget and set realistic expectations: Realize that the purpose of insurance is to cover unexpected and otherwise unmanageable expenses. Most good pl…