The inability to remove bad apples does not mean that you throw away the basket. Next we will hear that cars have been banned as road accidents lead to death !One would have believed the insurance companies had it not been for the following 2 riders.1. Corporate policies i.e. if you are working in a big office that takes big insurance covers for employees, would continue to get cashless benefits. It is only the relatively poor middle class individuals who have made the mistake of giving premiums for the last 10-15 years would be denied. We all know the procedure of re-imbursements in India specially when it involves a national body.2. Only the large hospitals that have a transparent billing system have been excluded from the cashless facility. The smaller medical providers would continue to give the cashless benefits. So are we to assume that here bill manipulations are not possible or is it that vested interests are more easily looked after there ? So in one stroke, hospitals providing advanced / tertiary care which are internationally accredited would only be accessible to the rich and privileged. And as the smaller centres do not provide sophisticated investigations and treatment, your insurance is only good for simple and 'cheaper' diseases.Message from insurance companies to the common man is clear: You can go to a smaller centre for cashless facility, but we know that you cannot get joint replacements, heart surgeries done there so we win there. Of course you can produce a few lakhs at admission into the bigger hospitals and our helpful babus shall 'help' you get the money back. The right way forward would be to identify and penalize the culprits and not inconvenience and fool the public.