Besides, the Chennai healthcare industry is also exploring innovative hospital-run insurance schemes. While Apollo leads the way with Dost, its accident insurance plan, Child Trust is planning to launch one "so that we don't have to deny care for want of money", says Shanmugasundaram. Parents would be required to take a policy of Rs 200 to Rs 500 at the antenatal stage. Apollo's Dost (available in other cities too) targets the middle and lower middle-income groups and is open to anyone from 5 to 70 years, for an annual premium of Rs 170 for individuals and Rs 600 for family or group of four. So, in case of an accident, you don't need to pay for an MRI or CT scan or surgery, or even hospital fees. Apollo's inpatient care is assured right from the ambulance stage for up to Rs 50,000 and another Rs 50,000 personal accident insurance. So, if you have to fall sick, it better be in Chennai