India, July 26 -- Imagine making an appointment with a world-class surgeon to fix a painful, life-limiting knee injury. Before you can even see the physician, you are handed repetitive forms to fill out. Your insurance company insists on a review of whether you "actually need" the procedure, a process that will take weeks of phone calls, faxed records, and hold music. Finally, cashless health insurance is refused based on a term and condition hidden in reams of microprint in your policy. After the surgery is finally done, you spend the next six months pursuing reimbursement from the insurance company with confusing, separate bills from the hospital. The knee is healed. Yet, you feel financially drained, emotionally exhausted, and deeply f...