Last week when my driver’s child complained of stomach pain, I offered to pay for her treatment at a private clinic, which he refused outright. “You would pay for the first visit and maybe the next. What about the follow-ups and tests? What if she needs hospitalisation?” His panic seemed valid. Instead, he decided to use his government health insurance card at a local hospital. It took him a full working day to get past the queues and see a doctor who prescribed some basic medicines.