Bengaluru (Karnataka) [India], February 7: The primary characteristic of health insurance in India is that it is decentralised. People would buy health insurance or choose not to buy it. Therefore, this represents a substantial section of the population that remains uninsured. About 40 crore Indians do not have any medical health insurance scheme protection. Private companies are digitalising this process and innovating new insurance products to capture the market share. Medical insurance is comprehensive in protection, so let us find its benefits.