http://www.telegraphindia.comThe Telegraph - Calcutta (Kolkata) | Atleisureen-usSun, 22 Nov 2009 18:05:32 GMTSun, 22 Nov 2009 18:05:32 GMTThe Telegraph Webdeskttfeedback@abpmail.comttfeedback@abpmail.comAtleisureCopyright (C) 2009, The Telegraph. All rights reserved.http://www.telegraphindia.com/images/logo_small.gifhttp://www.telegraphindia.comhttp://www.telegraphindia.com/1091123/jsp/atleisure/story_11774038.jspWhen Reena Srivastava's four-year-old son did not recover from his month-long bout of common cold, his parents got worried. They changed his paediatrician, who subsequently gave him another set of medicines. The child has been cured, but Srivastava is now convinced that the first doctor had prescribed substandard drugs. And he did it, Srivastava believes, because he had a financial arrangement with the concerned drug company. http://www.telegraphindia.com/1091123/jsp/atleisure/story_11774039.jspThe purpose of insurance is to indemnify the loss suffered by a policyholder. To fulfil that contractual obligation, the insurer has to assess accurately and precisely the loss suffered by the policyholder and make good the loss.