Existing or Pre-existing?

Indians are increasingly being asked to save more for their health care by going in for health insurance. Their neighbourhood doctor no more treats them without myriad and expensive diagnostic tests. Health insurance we are told is the way to go.

Paul Krugman recently asked in his NYT column: "Is the health insurance business a racket?" He concludes: "It’s the ugly incentives provided by a system in which giving care is punished, while denying it is rewarded."

My limited personal experience has taught me that insurance companies invent ways to deny you benefit. Language is a powerful tool in their hand..........

Artist: Michael Crawford Publication: The New Yorker 23 May 1994