the poor themselves are best placed to determine what should be included in their benefit package, as this involvement creates trust, acceptance and willingness to be insured. As for the substantive results of the CHAT exercises in India, the most consistent finding has been that respondents selected broad benefit packages at basic coverage levels that reflect high aggregate costs (unavailable on the market today) over narrow packages with higher coverage. This brings to light an important mismatch between prevailing demand of health insurance among the poor in India and prevailing supply of health insurance in India, which is dominated by packages that cover mainly low-frequency-&-high-cost events. Furthermore, close to 100% of respondents included coverage of medicines and maternity in the benefit-package. Both these benefits are excluded from commercial HI in India today. The original CHAT tool was developed in 1995 by physician ethicists at the National Institutes of Health and the University of Michigan in the United States. It was tested in the US in various locations. References External links CHAT video Health insurance Health economics