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The final demarcation regulations drawing the line between medical insurance products and medical schemes was gazetted by the Treasury in December. When the first draft regulations were published for public comment four years ago, they were met with staunch opposition as the proposals would have all but banned health insurance products. It was a classic case of "door-in-the-face technique". By diverting attention away from the real cause of the problem, the public would be lulled into agreeing to "more reasonable" future proposals. The regulations gazetted in December still ban primary healthcare insurance policies but allow "gap cover" or "hospital cash plans", subject to the application of maximum limits and strict underwriting and marketing conditions. These watered-down regulations still do not address the dubious principles driving the perceived need for change. The fundamental problem yet to be openly identified, let alone resolved, is the principle of so-called "social solida...

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