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Hospital insurance dispute in India: Health insurance has always been considered as a need. Health insurance has become necessary for every family in today's time. In this era of inflation, treatment in good hospitals means expensive bills. That is why people are determined by taking a health insurance policy that they will get cashless treatment at the time of illness and there will be no sudden weight on the pocket. But now this cashless treatment is being closed in some hospitals.

The Association of Healthcare Providers of India (AHPI) has taken a big step against Bajaj Alianz General Insurance and Care Health Insurance. Now the cardholder patients of these two companies are not getting the facility of cashless treatment in hospitals. The halt insurance and the tussle between hospitals have increased the difficulties of the common people.

The Association of Healthcare Providers of India has temporarily stopped the facility of cashless treatment against Bajaj Allianz General Insurance and Care Health Insurance companies. APHI says that both the companies are not paying the bills of hospitals on time. AAPHI also said that in many cases it takes months to reimbursement in these companies with health insurance. For this reason, hospitals have stopped accepting the insurance cards of these companies.

So many people use insurance policy

times of India According to a report of, about 55 crore people in the country use health insurance policy in some way or the other. These include government to non -government and all types of private policy holders.

Bajaj Allianz has a large network. It has more than a thousand branches across the country. The number of Care Health was not found clear, but AHPI has also warned CARE Health of cashless suspension, which shows that the number of policy holders of Care Health also matters enough.

Insurance companies logic

Insurance companies on the other hand say that hospitals often Fake billing or increased expenses They show, due to which they have to investigate. He says that many hospitals deliberately charge more money from patients and then send them to the claim companies. In such a situation, if the payment is made without investigation, then the insurance industry will go into losses and the premium amount will have to be increased.

Patients affected

Those who have Bajaj Aaliyanz and Care Health Insurance Cards, they will no longer be able to take advantage of this card. They will have to pay money from their pocket at the time of treatment. They spend their own money during treatment and then claim reimbursement from the insurance company. But it may cause problems of time and process.

Vinay Rawat, who went to a large hospital in Delhi, has Bajaj Aaliyanj General Insurance. Next month, they have to undergo their stones surgery. He was thinking that the whole treatment would be cashless, but now he is worried about how treatment will be done.

Why did the problems increase for patients?

This dispute of the hospital and insurance company will increase the burden on the pockets of the patients.

Patients will have to pay the entire amount of treatment in the beginning.

You will have to run for insurance.

If you are admitted in emergency, then you may have to pay the bill first if you do not get cashless treatment.

Why these steps were taken

In this case, an official of the Admin Department at Max Hospital in Delhi said on the condition of anonymity that the insurance company has been paying the hospitals at the old rate for years, while the cost of treatment increases every year. In this regard, companies were also talked about several times, but they remained adamant on their point. Due to this, he was complained. This step has been taken after continuous complaints from not one but many hospitals. Although it can cause loss of patients, but

The solution to this problem will be found only when the government and the Regulatory Authority make strict rules on this. Hospitals will have to do transparent billing. Insurance companies will have to clear the payment within the stipulated time. Helpline and easy portals should be provided to patients to complain and get immediate solutions.