A number of studies have documented both notable successes, as in the case of polio eradication, and failures in creating adequate public and private health facilities in India. An example of the latter is the substantial divergence between the numbers of deaths due to the Covid-19 pandemic as indicated by Indian official sources and the considerably higher figures cited by the World Health Organization. This article is not about the adequacy or the shortcomings in health care in India. It is about how difficult it is for those who are privately employed, even earning around Rs 30,000 a month, to
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