Until recently, most of the hospitals in India had a different billing structure for patients covered under insurance. These patients were charged higher than the normal patients. The insurance industry wanted this to end and answered to this dual billing structure by bringing in its own standard rate cards for various treatments and made a panel of sanctioned hospitals for cashless treatments. Now the inflated billing has stopped and if any patient is overcharged, the insurers force hospitals to refund the extra amount to patients. This way, patients are benefitting from the standardized billing structure for common medical treatments. This has also cut down the health insurance rates and has reduced pressure on the insurers.
Health insurance companies have also negotiated to bring most of the major hospitals in the preferred provider network (PPN). Currently, cashless treatment is available in 456 hospitals in Delhi, Mumbai, Chennai and Bangalore.
Often, a dispute can arise between the patient and the dentist when the patient receives a bill and feels as if they have been overcharged. To prevent this, patients have the right to an itemized bill, detailing exactly what each procedure cost.
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Mediclaim
Health insurance
Thank you for the info. It sounds pretty user friendly. I guess I’ll pick one up for fun. thank u.
ReplyDeleteHealthcare in India