Start with a quick poll before you read on.

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In the clash of intent and incentives in health insurance, average policyholders routinely get ripped off. Insurers processed 87% of claims by number in FY25, but only 71.3% by valueThe gap is increasing. In FY24, 82% and 71.3% of the claims by number and value were processed. Rejection and delay are common in high-value claims. Taking the Marie Antoinette approach—don’t complain, be grateful for what you have—is the unstated way........

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