Medical Industry & Health Insurance Paradox

In my family they always say since my childhood : Hospital and Court visits are the worst things that can happen to someone.

Decades passed. I could relate to Hospitals in india where one has to pay all bills of medical from their own pocket and one can easily relate that medical assistance is expensive, and is purely money outflow. The same is relevant even today in most of Asia. The plight in Asia has improved for atleast a few percentage of educated working class, working in MNC's who take care of medical expenses, as long as you are employee. Thus it is part of paypackage. So eventually, as long as you are working, it is beneficial, since your medical expenses are paid for.

Now looking at the Health insurance model, mostly prevailant in the western countries. There is a socialist aspect, where "Basic Health" coverage is there. i.e. if you fall sick, all medical expenses are paid by the Insurnace company to whom you are paying your monthly insurance premium. During economic boom days, the preiums were mostly subsidised. Good stuff. Even if the cost of medical care was rising, people were covered. Come downturn..the subsidies on medical insurance are reduced by the government. Insurance companies are increasing premiums. That is surely understandable.

But what is not acceptable is to refuse the hope to patients. A doctor or medical praticitioner's role is to try try try again and do his/her utter best for the patient. In an industry that is highly regulated by the covers provided by the insurance companies, the doctors are being directed / influenced to identify the breakeven point i.e. to invest / not to invest on a patient further iby providing treatment. The insurance companies are challenging docs, on the number of tests conducted on a patient. 

This is scary....

A doctors credibility or professional expertise judged based on how he was able to diagnose disease is understandble. But based on one test  or matching profiles is not appropriate and can result serious implications.

Medical profession should not be influenced or guided by the financial / economic situation of Insurance companies. 

In this case it is better to pay for your entire medical bills and be treated, rather than to remain untreated or receive wrong treatment. In a way it is therefore better to pay your own medical expense rather than being covered by the medical insurance.