[CAPTION]In India, health insurance is often seen as discretionary, a later concern or something provided by one’s employer. Image: Shutterstock[/CAPTION] Let us start with the story of Rajeev, a senior lawyer at a prestigious law firm in India. His employer’s health insurance was remarkably generous. He had a 100 percent coverage with no co-payments for medical costs up to ₹1.5 crores. When he was diagnosed with stage-1 lung cancer at 49, his treatment was fully covered, and he went...