I guess, the complexity of the billing system in the US is the outcome of an insurance driven market which has kept a status quo due to vested interests.
India also has a complicated insurance system, but it is kept in check by a parallel free-market and state funded system. There is competition not just between carriers, but also pressure on them to keep their policies simple, lest customers circumvent and pay themselves.
You are right about enforcements about drug patent, but if I am not wrong this is true only for a small set of medicines which are marked essential. My guess is that vast majority of drugs sold are generic copies of off-patent drugs.
India also has a complicated insurance system, but it is kept in check by a parallel free-market and state funded system. There is competition not just between carriers, but also pressure on them to keep their policies simple, lest customers circumvent and pay themselves.
You are right about enforcements about drug patent, but if I am not wrong this is true only for a small set of medicines which are marked essential. My guess is that vast majority of drugs sold are generic copies of off-patent drugs.