Health care may be a prime reason for medical policies being sold in many numbers. But the insurers are in no mood to show the charity. The margin between insured money and claimed money is huge and that’s why the health policies are top earners for the insurance sector. Still many of these policies do not cover the critical diseases or fail to provide you the money on the time of need. There are insurers who always find the reasons to deny you the assistance at the critical time. One has to go to courts and sue the insurance companies. The governments do have controls but are not implemented properly. Why governments can not make a rule for the insurance industry that it has to cover the senior citizens at the reduced or the same rates. Health care is very costly to afford for many. Situation in US and UK may be better than Asian nations but the larger picture of the world paints the image that health is still not important for the governments.