Heavy burden of unregulated hospital fees

I AM writing in response to the letter “Keeping cost of medical insurance affordable” (The Star, Jan 6).

The premium on medical cards for hospitalisation treatment is escalating every year due to increasing frequency and amount of claims. Insurance companies have to increase the premium not to generate more profit but to avoid losses. Their main earning is from life assurance; the medical card is a loss-making arm just to complete the range of their products.