Health insurance is the prerogative of any state which is democratic.
Insurance industry sadly functions as bussiness modality in a service industry(health)
Health and Education are service industries and which need people who are industrious.
The industry currently caters to inpatients only and avoids pregnancy and infertility claims
this is unjust and fair because when thousands of couples seek insurance only a few needs insurance for infertility
same way when couple seek insurance for twenty to forty years they claim for only wo childbirth
so these are basic righs and the insurance industr cannot dictate terms.
the insurance industry should not deprive the member the right to choose a doctor too