Deny, Depose, Defend – Assassination of a CEO – Making of A New Suspense Serial?

Deny, Depose, Defend – Assassination of a CEO – Making of A New Suspense Serial?

Celebrity Assassinations Inspired by Books and Literature

The US has several cases of Presidents and celebrities who have been murdered where the assassin was motivated by a written books and literature and that became the inspiration and the motive to kill someone who is well known. Some of them include:

  • John Lennon’s Assassination: Mark David Chapman, who assassinated John Lennon in 1980, was heavily influenced by J.D. Salinger’s novel The Catcher in the Rye. Chapman was found reading the book at the scene of the crime and later claimed that he identified with the protagonist, Holden Caulfield.
  • Ronald Reagan’s Assassination Attempt: John Hinckley Jr., who attempted to assassinate President Ronald Reagan in 1981, was obsessed with the movie Taxi Driver and its protagonist, Travis Bickle. The character’s actions in the film were inspired by Arthur Bremer’s diary, which was later published as a book.
  • The Assassination of Robert F. Kennedy: Sirhan Sirhan, who assassinated Robert F. Kennedy in 1968, was reportedly influenced by the novel The Secret Agent by Joseph Conrad. The book explores themes of political violence and assassination.
  • The Murder of Rebecca Schaeffer: Robert John Bardo, who murdered actress Rebecca Schaeffer in 1989, was found with a copy of The Catcher in the Rye. This book has been linked to several other high-profile crimes.
  • The Columbine High School Massacre: Eric Harris and Dylan Klebold, the perpetrators of the Columbine High School massacre in 1999, were influenced by Stephen King’s novel Rage. The book, which King later allowed to go out of print, tells the story of a high school student who takes his class hostage.

Nothing comes to my mind about such killings in India, except those inspired by Religious Scriptures.

How can Written Books and Literature be an Inspiration or Prime Motive to Kill?

There are several studies and scholarly articles that explore the influence of books and other media on real-life crimes and killings and their motives. Here are a few key points from the research:

  • Media Effects on Violence and Crime: Research has shown that exposure to violent media, including books, can increase aggressive behaviour and attitudes. However, the direct link between media violence and actual violent crime is more complex and less conclusive.
  • Copycat Crimes: Some studies focus on the phenomenon of copycat crimes, where individuals mimic criminal acts they have read about or seen in media. This includes crimes inspired by books, movies, and even news reports.
  • Psychological Impact: The psychological impact of media on individuals can vary. Factors such as personal susceptibility, mental health, and environmental influences play significant roles in how media content affects behaviour.
  • Case Studies: Specific cases, like the ones we discuss here (e.g., John Lennon’s assassination), are often analyzed to understand the motivations behind such crimes and the role media might have played.

The points highlighted above address the complex relationship between media consumption and real-life actions.

A New Novel and A TV Serial in the Making

“Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It” by Jay Feinman is an exposé on the practices of the insurance industry. Feinman, a legal scholar and insurance expert, argues that insurance companies often prioritize profits over policyholders by employing strategies to delay, deny, and defend against claims. Some of the excerpts from his book include:

  • Systematic Denial of Claims: Feinman explains that the denial of valid claims is not an occasional error but a systematic practice designed to maximize profits. Insurance companies often delay payments, deny claims without proper justification, and force claimants into lengthy litigation processes.
  • Historical Context: The book provides a historical overview of how these practices developed over time. Feinman traces the evolution of the insurance industry and highlights key changes that have led to the current state of affairs.
  • Consumer Impact: Feinman shares numerous stories of individuals who have been unfairly denied claims, illustrating the real-world impact of these practices on policyholders. These stories highlight the financial and emotional toll on those affected.
  • Legal and Policy Recommendations: The book offers practical advice for consumers on how to protect themselves when dealing with insurance companies. Feinman also outlines necessary legal reforms to prevent future abuses and improve the insurance system.
  • Call to Action: Feinman urges consumers, lawmakers, and regulators to take action against these unfair practices. He emphasizes the need for greater transparency and accountability within the insurance industry.

Overall, “Delay, Deny, Defend” serves as a critical examination of the insurance industry, providing valuable insights and actionable advice for consumers and policymakers alike.

Assassination of the United Healthcare CEO – An Inspired Killing?

On Wednesday 4 December 2024, Brian Thompson, the CEO of United Healthcare, was shot at targeted fatal on a midtown Manhattan sidewalk. This has sent shock waves in the industry in the US. Brian Thompson was not an ex-US President in a Presidential race, but yet he was targeted. Well, Brian managed over USD 250 billion healthcare insurance business of the United Healthcare. Hence, he would be in a Presidential status of a smaller country than the US. It seems that Brian Thompson’s assassination, could have been inspired and linked to a 2010 book titled “Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It” by Jay Feinman. Police found shell casings at the crime scene engraved with the words “deny,” “depose,” and “defend,” which closely resemble the themes of Feinman’s book.

This blog is not about the condolences to the dead corporate executive, but the change in the mentality of the killers to attach corporate executives.

Industry Achievements of Assassinated United Healthcare CEO

Brian Thompson had several health insurance industry accomplishments and led several specific initiatives during crises that showcased his strategic and compassionate leadership:

  • COVID-19 Response: During the COVID-19 pandemic, Thompson spearheaded initiatives to expand telehealth services, ensuring that patients could access healthcare safely from their homes. He also implemented support programs for frontline healthcare workers, providing them with necessary resources and mental health support.
  • Telehealth Expansion: Recognizing the need for remote healthcare solutions during the pandemic, Thompson accelerated the rollout of telehealth services. This initiative allowed patients to receive medical consultations and care without risking exposure to the virus.
  • Support for Frontline Workers: Thompson introduced programs to support frontline healthcare workers, including mental health resources and financial assistance. These measures were crucial in helping healthcare professionals cope with the immense pressures of the pandemic.
  • Regulatory Compliance and Advocacy: Thompson effectively managed regulatory challenges by working closely with policymakers. He advocated for policies that would benefit both the company and its members, ensuring that UnitedHealthcare remained compliant while continuing to innovate.
  • Cybersecurity Enhancements: In response to increasing cybersecurity threats, Thompson prioritized investments in advanced security technologies. This initiative aimed to protect sensitive patient data and maintain trust with members and stakeholders.
  • Public Relations Management: Thompson handled public relations crises with transparency and accountability. For example, when faced with criticism over healthcare costs, he addressed concerns openly and implemented solutions to improve member satisfaction.

These initiatives highlight Thompson’s ability to lead effectively during crises, ensuring that UnitedHealthcare could navigate challenges while continuing to provide essential services and support to its members and employees. I had met Brian briefly in Minneapolis in 2016 when he was not the CEO of United Healthcare. He came out to be a compassionate and a visionary. But why would someone want to kill him?

Reforms in the US Healthcare Industry Emerging out of “Delay, Deny, Defend”

Based on the events, the wider question to be asked is what needs to be done that Healthcare Executives are not targeted. Here are some of my thoughts coming out of Jay Feinman book. Let me inform the readers here, that I am no expert on the US Healthcare System. I am replaying some of the points Jay Feinman suggests several key reforms to address the systemic issues within the insurance industry to create a more equitable and transparent insurance system, ensuring that policyholders receive the coverage and support consumers are entitled to:

  • Enhanced Regulatory Oversight: Feinman advocates for stronger regulatory oversight to ensure that insurance companies adhere to fair practices. This includes stricter enforcement of existing laws and the introduction of new regulations to prevent the delay, denial, and unjust defense of claims.
  • Transparency Requirements: He calls for greater transparency in the insurance claims process. This would involve clear communication from insurers about the reasons for claim denials and the criteria used to evaluate claims.
  • Consumer Protection Laws: Feinman suggests the implementation of more robust consumer protection laws to safeguard policyholders. These laws would provide better recourse for consumers who are unfairly denied claims and ensure that they receive timely and fair settlements.
  • Penalties for Unfair Practices: He recommends imposing significant penalties on insurance companies that engage in unfair practices. This would serve as a deterrent against the systematic denial of valid claims and encourage insurers to act in good faith.
  • Support for Legal Reforms: Feinman supports legal reforms that make it easier for consumers to challenge unfair claim denials. This includes simplifying the process for filing complaints and pursuing legal action against insurers.
  • Public Awareness Campaigns: He emphasizes the importance of public awareness campaigns to educate consumers about their rights and the tactics used by insurance companies. This knowledge would empower policyholders to better navigate the claims process and protect themselves against unfair practices.

All I can imagine is that the assassin was denied healthcare that he was entitled to by United Healthcare and he thought it as an extreme step to redeem it with the life of the top honcho of United Healthcare CEO.

We will wait for the investigators and police to apprehend the killer and figure out the real motive. But for the time being, Jay Feinman’s book is now going to be a best seller and material for dramatization into a TV serial or a movie.

I am deeply shocked and my sincere condolences to those who feel the loss of Brian Thompson.

Healthcare for All: Money for Nothing!

KK at Tedx Gateway

In 1998, we solved the food security in India as part of the Prime Minister’s Task Force on Food and Agri. We gave the PM the slogan

“Kisan Ugaye, Janta Khaye, Aur Desh Aage Badh Jaye”

20 years hence, India is facing a impending health crisis. This crisis is already so huge that moving forward would take away 25% of the household incomes due to people suffering from health aliments and lack of proper medical intervention. You may google on Kapil Khandelwal to get to many of my articles in public domain to get more details of what I am saying is to the magnitude of 25 lakh crores per annum.  Hence to achieve our target of $5 trillion economy, we would have to actually target $6.5 trillion. An uphill task!

The Government has announced world’s largest Universal Health Insurance Scheme last year to mitigate the risks. It’s still early days and supply side capacities need to be build to service this incremental demand for healthcare services which are cheaper, better and faster to address. The world and the jury out there is witnessing this to come to its conclusion on the outcomes.

Unlike food security, health security is a more local and systemic long-gestational issue to solve the different at the factors of production such as land, labor, capital at a macro level. While each of the factors could by itself become a Tedx presentation. Let’s look at the high-level each of the issues and the break-away from the past to a new healthcare revolution in India.

At a global macro perspective of India, at 1.35 billion population, India constitutes ~18% of world’s population. From here things become a bit trickier. We have world’s 21% disease burden. Ie. One sixth higher proportion of people falling sick.

Coming to land, We have only 2.4% of world’s land mass so like intense agriculture on land, we have to be intensive in land usage for all activities. We would need approx 0.01% of our urban land usage for health and well being purposes which are currently not adequately provided by our cities and town planners. Hence land availability is critically sensitive.

Talking about labour, as far as healthcare is concerned, India stats become adverse.  To adequately treat that, we are approx 13.5 million hospital beds short. This is not accounting for the 1/6th incremental disease burden our population carries. On the clinical manpower shortages, we just have around 8% of the total global labour force of doctors, nurses and healthcare workers to address the 20% of the global disease burden we carry with our people. We are short by 5 lakh doctors, 20 lakh nurses and 30 lakh short of other health workers. Fortunately, we are a net exporter of nurses to the world so we have to also back fill the gaps of nurses leaving out of India for those remaining in India. 

Coming to the capital to address these gaps, we require close to Rs 30 lakh crores or $430 billion to come to the global average of hospital beds. Another Rs 2 lakh crores or $29 billion is required to build capacity for healthcare manpower. Therefore the total investment is approx $460 billion. To give you the magnitude, 165 countries in the world had a GDP of less than $460 billion in 2018. Or spending all what RBI currently has in its forex reserves on healthcare and becoming what Pakistan is struggling today or the scenario when Manmohan Singh took over as Finance Minister in 1991. A financial health crisis of sorts! The education and health cess

Why do we spend this all $460 billion now? We can drip feed the country to fund this? There is a saying “9 men cannot make a baby in 1 month”. Similarly, students enrolled into medicine today will add incrementally to the workforce in next 4 years.  The silver lining is that this capacity building spend would lead to $1.45 trillion of additional incremental to the GDP after 5 years as 1 incremental bed capacity creates 28 jobs over its lifetime. In other words healthcare economy in India as a standalone would itself be #16 nation in terms of GDP.

Therefore to achieve this the new slogan should be:

“Kisan Ugaye, Janta Khaye, Kisan aur Janta Swasth Rahe, Aur Desh Aage Badh Jaye”

How do we achieve this all?

We need a total disruption and reenvisioing to way things are done in healthcare while still minimizing the scarce resources such as land, labour and capital but derive the maximum impact. Before I start outlining my plan, let me make my customary caveats and limitations and disclaimers:

  1. I am not God nor his Massiah
  2. Political, economic, sociological, technological factors and assumptions are all favourable towards achieving this disruption
  3. Human race does not become stupid enough to become self destructive that health and well being of others and self is no longer a priority
  4. I am leveraging my experience in setting up various disruptive healthcare business models in the past to scale this
  5. My current experience to manage India’s first healthcare infra fund

Let’s get started:

Healthcare labour and skill acceleration, I had in one of my articles on human capital in healthcare estimated we need atleast 1000 Infosys, TCS hard brick and mortar like campuses near the cities that can work with clock speed in churning the talent pipeline. Our investments in new age AR/VR technologies in healthcare skilling and up skilling shows that medical and judgment errors are reduced before actual on the job-training to be right skilled for clinical positions from day 1.

Based on our investments in India’s first asset-lite day-care surgery chain, and here is the 80:20 rule. 80% of all elective healthcare, ie healthcare that is not an emergency or urgency is delivered out of the top-16 most populated cities of India. It is in these cities we see high concentration of highly-skilled and specialised medical labour force as well as infrastructure which is world class and cutting edge is present. Currently, catchment for these places is around 150-20 kms. Data from Ayshman Bharat on the residence city of the patient and the target treatment facility delivering care is yet no available for us to reaffirm the care for the bottom 250 million population of India.  Next 10 years we require this to extend to 30 cities. We need to set up stand alone acute and urgent care centers across all districts and taluks which would be feeders these 30 cities medical hubs

Tech enabled emergency, drones, telehealth, home health monitoring infrastructure with 5G connectivity have to be developed. I can go on this. However this would by itself be another Tedx talk by itself.

Coming to capital. Perpetual cheap cost of capital is the need for the healthcare industry to accelerate development of healthcare infra. Monetising existing infra is the only way forward to provide this essential capital. Moreover new age construction and build technologies which develop hospital are available outside India be its adoption is very low here. Around $20 billion of FDI can flow to India very quickly provided the enablers are given to the investment manager and incentives to the investors.

This is the excerpts of my talk delivered at Tedx Gateway on 20 July 2019

KK at Tedx Gateway