Fifth, it is usually seen that
demand often outstrips the estimations, when service is not
charged at point of use (moral hazard at both demand and supply
end). However, in order to have rational estimate of cost of care,
we assumed that each episode of sickness will be reported to the
hospital. This is unlike the current health seeking behavior where
many minor illness episodes do not present to qualified medical
practitioners, and some proportion of population (especially rich)
may continue to buy private insurance with better coverage.