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Given the good intentions behind the health insurance, what could go wrong? We are all familiar with the options when somebody falls seriously ill. One, go to one of the public hospitals, some of which are very good - the Pakistan Institute of Medical Sciences (PIMS) and Jinnah Hospital come to mind - and charge nominal fees, especially from the poor. However, many are overcrowded, suffer from serious deficits in infrastructure and have doctors who are not motivated to provide high quality care. Two, go to a private hospital. Depending on your ability to pay, the quality and care there ranges all the way from top-of-the-line to downright dangerous, but generally, doctors there will try and do what they can - even do “too much”. The money they make depends on your experience.

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