Life used to be simple for doctors and patients. You got sick, went to the doctor, got treated, paid the doctor and went home. The doctor was satisfied that the patient had been taken care of and he made a living in the process. Then technology happened. Patients got richer, travelled more and were exposed to better systems of care. Information was freely available. Patients rightfully started demanding better care; and medical care got more expensive. That is when corporate hospitals and insurance companies happened. This is what happened all over the world, not just in India.