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Note: AI summary from news headlines; neutral sources weighted more to help reduce bias in the result. Feedback is welcome. Please let us know if you have any comments or suggestions about the AGP Executive Report.

AI in Clinical Care: NMC chief Dr Abhijat Sheth says AI must augment doctors, not replace them, stressing accountability and ethics as institutions prepare for AI use. Stroke Capacity Building: AIIMS Delhi and the Indian Stroke Association held a CME to boost prevention, early recognition, referral and advanced stroke treatment across India. Cardiology Update: Union Health Minister JP Nadda was discharged from AIIMS Delhi after angioplasty, with the hospital saying he is stable. Public Health Funding & Weather Risks: Heatwaves and lightning are now officially recognised for SDRF/NDRF relief, as deaths and cases from heatstroke continue to rise. Hospital Safety & Fire Deaths: A hotel fire in Kolkata killed at least nine, including a child, with investigations pointing to possible safety lapses and an AC-related trigger. Healthcare Market Watch: MedPlus has paused aggressive promotion of its in-house prescription medicines after pushback, shifting to letting customers choose. Policy & Access: AIIMS stories highlight the gap when cancer treatment fails and families struggle to find next steps, underscoring the need for stronger palliative pathways.

Maharashtra Health Push: Maharashtra will start a 100-day door-to-door screening drive from Sept 1 for people above 30, targeting diabetes, hypertension and cancers (breast, cervical, oral), with household visits, follow-ups via a digital dashboard and CSR support for TB elimination. Snakebite Surveillance: The state has declared snakebite a notified disease, making hospitals and doctors report cases and deaths to district authorities to speed up anti-snake venom tracking and treatment. Access to Care: Apollo Hospitals will extend OPD consultations, diagnostics and preventive check-ups to Sundays across its network under “Always Open. Always Here,” aiming to help working families. Food Safety Oversight: Maharashtra’s FDA crackdown continues after a Bombay High Court order penalised the regulator in a case involving a sweets retailer; CM Devendra Fadnavis backed strict action. Aviation Drug Testing: Pilots’ body FIP wants DGCA to overhaul drug-testing rules after an Air India Phuket-Delhi incident, proposing higher random testing (25%) and adding oral-fluid screening. Hearing Healthcare Deal: Hearzap acquired Amplifon India’s hearing care business, adding ~240 centres and targeting 500 by 2027. Policy & Compliance: FSSAI said several firms, including Dabur and Ferns N Petals, have corrected labelling/advertising lapses after notices.

Cardiology Focus: Union Health Minister JP Nadda underwent angioplasty at AIIMS Delhi after coronary angiography; hospital says he is stable and under observation in cardiology. Stroke Care Push: AIIMS Delhi held a large CME with the Indian Stroke Association urging expansion of stroke services—from prevention and early recognition to advanced treatment and rehab—via structured training and referral pathways. Medical Regulation Update: NMC proposes a Unique Identification Number for doctors, linking state registration to a central portal so disciplinary actions and licence status can be tracked nationally. Cancer Tech Access: HCG has started treating patients in Karnataka using the state’s first Elekta Unity MR-Linac, enabling MR-guided adaptive radiation therapy. Healthcare Cost Debate: NATHEALTH says policy should look beyond hospital tariffs to the structural costs of delivering care, including compliance, manpower, and capital investment. Public Health Research: A study flags early signs of reduced susceptibility in dengue mosquitoes to α-cypermethrin, hinting at possible insecticide resistance. Animal Welfare: 18 dogs were rescued from India’s illegal dog meat trade after being found tied in sacks; they received veterinary care, microchipping and vaccination. Sports Injury (Health angle): Sri Lanka’s Dinesh Chandimal was taken to hospital after a shoulder/neck injury and later ruled out with concussion in the India-SL Test at Galle.

Heat & Safety: A Lancet Public Health study warns people aged 60+ face dangerous heat stress at lower temperatures than previously thought, as older adults struggle to cool down. Disaster Response: A Bihar temple stampede near Ashok Dham Temple killed 7 and injured 12+ after a snapped electric wire triggered panic; officials say the cause is still being probed. Medical Regulation: The NMC has proposed centrally linking all records of registered medical practitioners, including disciplinary actions, via a National Medical Register with automatic updates. Nursing Oversight: Delhi High Court asked the Centre to act within two months on implementing the NNMC Act after delays in constituting the commission. Healthcare Costs: A parliamentary panel recommends capping private hospital room charges in metros by making the nearby three-star hotel tariff benchmark mandatory, plus upfront cost estimates for complex care. Public Health Watch (Mumbai): BMC data shows malaria up 11.4% and H1N1 up over fourfold in the monsoon, while dengue and Covid decline. Wellness & Care Access: PlatinumRx says it has 10 lakh users and Rs 137 crore savings on medicines, while Oberoi and Bhartiya plan 20 wellness-forward “uber-luxury” resorts.

Patient Safety & Regulation: NMC proposes central tracking of doctors’ disciplinary records by linking the National Medical Register with state registers, aiming to reflect licence status and actions across India. Healthcare Access: West Bengal integrates Ayushman Bharat with its CM health scheme to cover about 1,850 hospitals (cashless up to ₹5 lakh), expanding treatment access nationwide. Air Safety & Screening: Air India begins mandatory psychoactive substance screening for all pilots; two more pilots show “non-negative” preliminary results and are sent for confirmatory tests. Medical Tourism: Kerala targets high-spending Arab travellers for a medical value-travel push, with training and standardisation plans ahead of an Indo Arab Connect summit. Public Health Systems: CGHS reimbursement rules are clarified for follow-ups and referrals, including that follow-up tests should be at the same empanelled hospital. Health Policy Watch: Draft amendments also point to a unified registration portal under NMC’s “one nation, one licence” direction. Crisis on the Ground: A stampede at Bihar’s Ashok Dham Temple killed seven after an electric wire snapped; over a dozen were injured. Workplace Wellness Tech: TCS launches AI “AgentHub” for drug development and pharmacovigilance, promising up to 40% efficiency gains.

Diabetes push: Union Minister Dr Jitendra Singh launched RSSDI’s Diabetes Rural Outreach Digital Portal and VISHWAS to bring awareness, screening and follow-up closer to rural communities, calling diabetes prevention a national priority. Affordable food access: Delhi Health Minister Dr Pankaj Kumar Singh inaugurated two Atal Canteens in Vikaspuri, taking the city’s total to 100, with meals at Rs 5 for workers and needy families. Insurance expansion: West Bengal CM Suvendu Adhikari launched Ayushman Bharat alongside the state scheme, saying together they cover 1,240 private hospitals and 627 government facilities across India. Healthcare affordability debate: A parliamentary panel urged capping hospital room charges at average three-star hotel tariffs in metro cities, while noting the need to strengthen public infrastructure and specialist capacity. Private hospital growth: IHH/ Fortis Healthcare plans to nearly double operational beds in India to about 10,000 by 2031. Food safety crackdown: Maharashtra’s food safety chief suspended permits of warehouses of Eternal, Swiggy and Zepto after hygiene lapses, including cockroach infestations. Sports medicine planning: India is considering a national sports medicine framework ahead of a possible 2036 Olympics bid, shifting care toward prevention and standardised protocols. Clinical reasoning focus: Jitendra Singh said investigations should support clinical judgement rather than replace it, aiming to reduce unnecessary tests and delays. Public health incident: 11 people were hospitalised in Mumbai’s Nalasopara after eating birthday cake; FDA inspection reportedly found no substantiation of a dead lizard claim.

Private Hospital Expansion: IHH/ Fortis plans to nearly double operational beds in India to about 10,000 by 2031, investing roughly $250,000 per bed, with funding via internal accruals and debt for acquisitions. Reproductive Health Research: University of Aberdeen-led team secured £2 million to trial a new pill for Heavy Menstrual Bleeding, aiming to offer a fertility-friendly alternative to procedures like hysterectomy. Community Health Workers’ Pay: Bombay High Court ruled BMC community health volunteers must get minimum wages under the Minimum Wages Act, rejecting the civic body’s “honorarium” argument. Kidney Care Beyond Dialysis: Experts say kidney disease care is moving toward prevention, advanced treatments and transplantation—not just dialysis. Home Care Push: Star Health expects its cashless Home Health Care initiative to grow over 50% in utilisation in a year, now in 300 cities. AI for Doctors: A report flags how AI could reduce doctors’ paperwork as a global health worker shortage looms. Public Health Access: Delhi inaugurated 25 Atal canteens offering meals at Rs 5, with plans to scale to 100 canteens. Vaccination Update: Thiruvananthapuram Medical College launched a Yellow Fever Vaccination Centre for travellers, with a single dose offering lifelong protection. Safety & Emergency: Two airport staff were injured after a licensed gun accidentally discharged during a weapons check at Varanasi airport. Mental Health Reminder: Mumbai police probe a case where a Navy sailor was found hanging and his wife and two children were found dead, with poisoning suspected.

Public Health Access: Delhi doctors have launched “2 Ghante Desh Ke Naam,” offering two hours of free weekly consultations via in-person and video for poor and underserved patients, covering specialties from cardiology and oncology to psychiatry and gynaecology. Women’s Health: More women in their 40s are seeking help for perimenopause symptoms as awareness grows; Maharashtra’s menopause clinics report tens of thousands screened and treated, with many referred for specialised care. Hospital Accountability (Mumbai): The Maharashtra State Human Rights Commission has summoned MCGM officials over medico-legal case (MLC) musters at civic hospitals after complaints about missing MLC registers and patient referrals. Medical Tourism Push: Lilavati Hospital plans its first overseas centre in Kazakhstan from September, aiming to attract international patients for second opinions and treatment planning in multiple specialties. Food Safety & Compliance (Mumbai): Satkar Caterers has withdrawn from a trauma hospital canteen amid disputes over statutory licences and BMC agreement requirements. Aviation Safety (Health angle): Reports say an Air India pilot’s drug test returned positive after a mid-air drop; authorities note results need confirmation and warn against assuming impairment from a positive test alone.

School Nutrition Push: Maharashtra FDA ordered schools to swap fast food for healthier options and trained about 300 institutions on nutrition and food safety, after restrictions on junk and high sugar-salt items near school premises. Food Safety Crackdown: The same regulator suspended permits of 12 warehouses tied to quick-commerce players Eternal, Swiggy and Zepto following cockroach and hygiene lapses, escalating scrutiny of the sector. Front-of-Package Labels: India’s Supreme Court asked the Centre to decide on front-of-package warning label design for pre-packaged foods, questioning why India can’t match global standards and flagging obesity as a public health issue. Independence Day, Health Policy: FDA chief Tukaram Mundhe said “independence should also extend to the food we consume,” while PM Modi used his 80th I-Day speech to warn about “weaponisation” of essentials like fuel, fertilisers and medicines—linking it to self-reliance. Access to Care: Punjab’s Mukh Mantri Sehat Yojana reported over 6 lakh treatments in seven months, covering care up to Rs 10 lakh per family annually. Medical Education Expansion: PM Modi said nearly 650 universities were added in a decade and medical colleges have more than doubled since 2014, with medical seats rising to about 850.

Food Safety Crackdown (Mumbai): Maharashtra FDA seized nearly 1,000 bottles of expired drinks from a Parle Agro warehouse in Chembur and suspended 10 licences tied to online food delivery and quick-commerce, citing hygiene, storage, temperature control, pest issues and missing records. Public Health Workforce Rights (Mumbai): Bombay High Court ruled BMC Community Health Volunteers must get minimum wages under the Minimum Wages Act, saying their work is structured and for reward, not just “volunteering.” Hospital Care & Accountability (Kalyan): KDMC suspended a Rukminibai Hospital worker after allegations he demanded ₹400 for plaster and, when refused, used cardboard support instead of a cast—triggered by a viral video. Fake Doctors Bust (Mumbai): Crime Branch and BMC raids nabbed five men allegedly practising medicine without licences. Medical Infrastructure Oversight (Delhi): Delhi HC flagged 400 unused ventilators and 910 oxygen concentrators lying idle at GTB Hospital, pushing for fixes. Pharma Compliance (USFDA): Aurobindo Pharma’s Eugia Pharma Telangana unit received a USFDA warning letter; company says no impact on existing US supplies. NEET Paper Leak (Delhi): Delhi court allowed CBI’s plea for further probe, citing fresh digital material and CFSL reports. Tech for Health Access (Mumbai): Fractal Analytics launched India’s first healthcare reasoning model beta with a BMC WhatsApp health AI chatbot for citizen queries and report summaries. Road Safety (Delhi): A 12-year-old girl died after a speeding DTC bus hit a two-wheeler in east Delhi; driver was apprehended.

Health Minister Update: Union Health Minister JP Nadda is stable after uneasiness led to coronary angiography at AIIMS Delhi; he remains under observation in cardiology. Aviation Safety & Substance Testing: Airbus analysis says an Air India A320 on the Phuket-Delhi route lost flight controls for about four seconds after multiple hydraulic failures, while reports also point to a pilot testing positive for marijuana—prompting mandatory dope screening for all pilots. Organ Donation Basics: A new explainer breaks down how organ allocation works in India, focusing on medical compatibility, urgency and waiting-list status rather than “first come, first served.” Diabetes + BP Link: A Delhi-NCR study finds nearly 1 in 20 adults have both diabetes and hypertension, with risk rising sharply after age 40 and strong overlap between the two conditions. Legal/Health Misinformation: Delhi High Court questioned how far a famous family name’s reputation can “flow across generations” in Aaradhya Bachchan’s personality-rights case tied to alleged false online health claims. Public Health in Prisons: Mangaluru District Jail held a health check-up camp for 123 inmates with support from Prison Ministry India and Father Muller Medical College. Workplace Safety: Uttarakhand’s Chamoli tunnel accident killed at least seven workers after water and debris surged into an under-construction tunnel; CM Dhami is set to review treatment and rescue efforts. Organ Donation Awareness: World Organ Donation Day coverage highlights myths and the need for better awareness as India records high transplant numbers. Food Safety/Regulation: Supreme Court scrutiny of FSSAI front-of-pack food label delays continues, with warnings that packaged food rules must protect public health. Urban Health Access: Delhi HC flagged unused critical equipment—400 ventilators and 910 oxygen concentrators—lying idle at government hospitals.

Organ Donation Push: India logged a record 20,138 transplants in 2025, but experts say donor shortage still leaves tens of thousands waiting, with kidney demand far outstripping availability. Hospital Accountability: Delhi HC flagged “quite shocking” idle critical equipment across 26 govt hospitals, including 400 ventilators and 910 oxygen concentrators at GTB Hospital. Access to Care: Mumbai hospitals have been directed to prominently display info on reserved beds and central health schemes. Regulation & Practice: Bombay HC questioned IMA’s standing in a challenge to Maharashtra’s CCMP framework that lets CCMP-trained homoeopaths practise allopathy. Public Health Safety: Delhi’s Narela saw two children drown in a rainwater-filled pit; authorities cited damaged boundary walls and unauthorised access. Clinical Breakthrough: KIMS Hospitals, Thane, diagnosed a woman with rare autoimmune encephalitis after seizure-like episodes didn’t fit epilepsy. Maternal/Child Care Risk: Kolkata’s NRS Hospital nurse was found dead in a locked toilet; anaesthetic vials and a syringe were recovered as the probe continues. Healthcare Workforce & Systems: Delhi CM Rekha Gupta handed appointment letters to 1,368 newly recruited teachers, underscoring health and education priorities for children.

Hospital Performance: Max Healthcare reported a 4.7% rise in Q1 profit, citing strong demand for complex care like cancer and orthopedics, alongside higher bed additions and occupancy. Affordability Push: A parliamentary panel backed a cap on private hospital room charges in metros at the average three-star hotel tariff, sparking share moves across major hospital chains. Food Safety & Labelling: The Supreme Court sharply questioned FSSAI over delays in front-of-pack warning labels for high sugar, salt and saturated fat, warning it may pass an order if the regulator doesn’t act. Organ Donation Gap: India hit a record 20,138 transplants in 2025, but nearly 90,000 patients remain on the national waiting list, underlining the donor shortage. Aviation Safety & Drugs: AAIB is set to submit an interim report within a month on an Air India Phuket-Delhi incident after reports of failed dope tests and fast-tracked probe of flight data. Public Health Policy: Parliament’s monsoon session saw renewed focus on medical exam irregularities and student protests, with health-related admissions issues staying in the spotlight.

Air Safety & Drugs: India’s aviation ministry says it’s awaiting drug-test confirmation for an Air India captain after a Phuket-Delhi flight incident involving a sudden 300-foot drop injured 24; both pilots were removed from flying duties and AAIB is probing. Healthcare Costs: A parliamentary panel recommends capping private hospital room charges in metros at average three-star hotel rates and pushing mandatory upfront cost estimates with “financial navigators” to reduce surprise bills. Organ Donation Gap: Ahead of World Organ Donation Day, Mumbai transplant authorities warn nearly 5,000 patients are waiting while only about 10% get organs, urging families to pledge. Maternal & Child Health: Anaemia Mukt Bharat expands to include low-birth-weight babies under 2.5 kg, highlighting early iron-deficiency risk and long-term health impacts. Public Health Governance: Delhi Health Minister calls a procurement reply “wholly unsatisfactory” and orders a revised response by Aug 17. Disaster & Injury: Heavy rain-linked landslides in Mumbai’s Kurla kill at least seven (including children) with rescues ongoing; separate reports also flag injuries from a Sion canopy collapse. Animal Health & Welfare: Delhi police and PFA rescue 863 birds/animals from pet shops near Jama Masjid, including 431 protected species.

Hospital Affordability Push: India is weighing health insurance reforms to curb medical inflation, including benchmarked treatment rates between insurers and hospitals and a nationwide claims exchange, after concerns that 10–15% of claims may be unwarranted or fraudulent. Private Hospital Pricing: A parliamentary panel has recommended capping private hospital room charges in metros at nearby three-star hotel tariffs and making hospitals provide upfront, legally binding cost estimates for complex care. Monsoon Disaster in Mumbai: Heavy rain triggered a landslide in Kurla/Ghatkopar (Chirag Nagar), killing at least six people (including children) and injuring four as rescue teams battled narrow access lanes. Air Safety & Drug Probe: The Air India Phuket–Delhi incident is under scrutiny after reports that the pilot tested positive for marijuana in confirmatory tests, with the AAIB/DGCA probe examining both human and technical factors. Public Health Alerts: Delhi saw a sharp rise in H1N1 cases, with officials warning chronic illness patients to stay alert. Local Industry & Jobs: Gujarat CM felicitated government hospitals for national organ donation awards, while Goa’s SEIAA imposed an 80% local hiring condition on a proposed pharma plant in Verna.

Cancer screening push: The Supreme Court asked 19 remaining states and UTs to declare cancer a “notifiable disease” so early detection and uniform care can improve. Affordability & care continuity: A parliamentary panel backed capping private hospital room rates at around 3-star tariffs and urged “continuum of care” packages to prevent patients from getting stuck with out-of-pocket costs during follow-ups and end-of-life stages. Infection control spotlight: India’s health ministry reported drug-resistant CRAB (with NDM mechanism) cases at Milton Cato Memorial Hospital in St Vincent, triggering contact tracing and tighter elective surgery controls. Hospital capacity crunch: Union Health Ministry data says 23,000+ sanctioned posts are vacant across 28 central hospitals, with major gaps at AIIMS and other institutes. Drug safety & pharma updates: Lupin got USFDA nod for generic Lokelma for hyperkalemia; Wockhardt launched an Antibiotic Academy to tackle rising antimicrobial resistance. Delhi H1N1 rise: Delhi reported a sharp jump in H1N1 cases (over 1,300 so far) with officials saying medicines, beds and ventilators are in place. Air India probe: AAIB is investigating the Phuket-Delhi plunge; reports say the pilot tested positive for marijuana, while both pilots were removed from flying duties pending inquiry. Policy on end-of-life choices: Tamil Nadu issued Advance Medical Directive guidelines to formalise patients’ wishes on withholding or withdrawing treatment. Local healthcare checks: Maharashtra reviewed facilities at R A Podar Ayurvedic Hospital in Worli and ordered tougher action against food adulteration under MCOCA.

Women’s health push: Maharashtra has opened dedicated government Menopause and PCOD clinics across 580 facilities, with counselling, screening, treatment and referrals; over 1.27 lakh women have benefited so far. Public health alerts: Delhi reports nearly six-fold rise in H1N1 cases (1,344 vs 229 last year), while a North India study found coeliac disease in 17.5% of anaemic children—highlighting that negative antibody tests may miss cases. Food safety: Maharashtra FDA suspended Blinkit’s Malad West food licence after cockroach infestation and hygiene lapses, including expired/damaged products and weak pest control. Healthcare tech & care access: Philips says AI is already boosting patient capacity and outcomes in India, and is expanding R&D and healthcare infrastructure focus. Clinical research angle: Experts warn lung cancer can hit non-smokers too, citing air pollution, indoor toxins, occupational exposures and genetics. Policy & systems: Delhi’s Kanwar Yatra camps drew complaints of noise levels above WHO guidance, raising resident health concerns. Business/industry: Zydus Lifesciences’ Q1 profit fell 36% as costs rose, despite revenue growth.

Air Safety & Drug Testing: ALPA India urged DGCA to protect confidentiality and procedural integrity in psychoactive substance testing, warning that “non-negative” screening results aren’t proof of drug abuse and can be triggered by OTC medicines and dietary factors, after an Air India turbulence case. Public Health & Respiratory Care: Zydus launched REVAHALE™, India’s first once-daily nebulised LAMA for COPD, aiming to help patients who struggle with inhaler technique. Healthcare Business: Yatharth Hospitals posted record Q1 FY27 results with 51% YoY revenue growth to ₹392.7 crore and announced a maiden interim dividend; Lilavati Hospital plans to add ~5,000 beds and open its first Kazakhstan super-speciality OPD in September. Infectious Disease Watch: Ulhasnagar reported 30 suspected dengue cases, prompting intensified monsoon measures; a study highlights why Candida auris can persist in hair follicles, complicating clearance. Medicines & Enforcement: DRI busted an illegal Tramadol unit in Maharashtra and foiled a Nigeria export bid, seizing 2 lakh tablets and arresting three. Policy & Access: India expanded its e-Visa entry network to 88 ports with 11 new entry points. Local Health & Emergencies: Mumbai police saved a man after a suicide attempt; a stabbing in Malad East left a woman dead and her husband fled. Road Safety: Nitin Gadkari said road accidents kill 1.8 lakh people annually, with 66% victims young.

Private Hospital Costs: A Parliamentary Standing Committee has urged price caps and standardised charges for treatments and diagnostics in private hospitals, alongside ideas like Jan Aushadhi Kendras, insurance for the “missing middle” and stronger public healthcare to curb unpredictable bills. Food Safety & Labels: FSSAI is pushing a new approach in the Supreme Court—showing daily limits for added sugar, saturated fat and salt next to nutrient info instead of front-of-pack warning symbols, a move nutrition groups call “defiance.” Reproductive Health Industry: Kerala PSU HLL Lifecare has been listed among leading players in the global hormonal contraceptive market, highlighting India’s expanding women’s healthcare manufacturing footprint. Medical Education Quality: Telangana has 36 government medical colleges but only four feature in IIRF 2026 top government institutions, with Gandhi Medical College leading the state. Clinical Research: Cambridge, Fortis Hospitals and Prema Cognition launch a study recruiting 300 patients with early cognitive impairment for MRI, cognitive tests and blood biomarkers. Public Health Watch: Bengaluru reports rising childhood IBD cases, with doctors pointing to lifestyle and gut microbiome shifts. Safety & Health Services: In Kalyan, a stray dog reportedly bit nearly 130 people in hours; victims received anti-rabies injections. Healthcare Tech & Growth: Thermo Fisher targets 15%-20% growth in India’s biopharma customer base, betting on research and manufacturing expansion.

Air Safety & Accountability: India’s aviation ministry says the Air India Phuket-Delhi turbulence case is now under AAIB probe after the pilot’s psychoactive drug screening returned a result needing confirmatory testing; samples were sent to a lab, both pilots were taken off roster, and passengers have raised concerns about possible intoxication and safety response. Healthcare Quality & Regulation: Union Health Minister JP Nadda chaired an India Medical Device 2026 CEO roundtable and released a roadmap for responsible AI adoption in healthcare and MedTech, aiming to move pilots to real clinical use. Food Safety: Maharashtra FDA has banned analogue paneer for one year, citing public health risks and alleged non-disclosure of imitation content. Transplant & Ethics: An opinion piece calls for strengthening deceased organ donation in India through ethical living donation and transparency to build public trust. Medical Education Rankings: Odisha’s AIIMS Bhubaneswar and Srirama Chandra Bhanja Medical College placed in IIRF 2026 top 20. Digital Dignity: A commentary warns that doxxing, data leaks and coercive online schemes are turning privacy into a public safety issue. Public Health Costs: Experts warn rising medical inflation is derailing retirement planning as hospitalisation and medicines drive costs.

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