Insurance Co's scrap Cash-less hospitalisation: Is this a right move??

No cashless facility shld not be withdrawn. Yes the erring hospitals & patients should be given harsh punishment for misusing the facility. It is in the interest of the people not to connive with the hospital to raise inflammatory bills & party to overcharge just because the insurance co. is paying.

Hospitals also should have ethical practice & ensure that for a few thousands of rupees they do loose their reputation & invite wrath of patients & insurance cos. It is a social crime on the part of the hospitals & dealt sternly by Law & Govt.

It is right time for insurance cos. private as well as PSU cos.to fix a standard,reasonable charges with variation plus/minus 20% & avoid inflated charges. A regulatory body should be formed involving both Insurance & Medical fretinity to arrive at a proper & amiable decision.

Initially, hosp.may relectent to come to negotiation table but ultimately they do give in as most of the patients do prefer settlement thro' insurance & day by day the Medical Insurance is growing by great demand.

It is observed that the surgery & treatment charges are higher by 20-25% by the so called prestigious hospitals but their ward charges are phenomenal running into lakhs for a 5 days stay.

It is in our own interest that we should choose a good moderate hospital for surgery & other major treatment if it is not emergency. Otherwise these speciality hospitals will fleece the patients as well as the insurance cos.  If they still insist for their way, let the govt. withdraw all the concessions & felicities provided to them.

SN Rao

No, I strongly disagree this move taken by insurence compnies, once they feel cheated they become united to ban a very good step otherwise they always competeting each other,If they have problem with hospitals they should sit with hospital management and talk with them or they should consult some big institutions like AIIMS to cosult that what could be the maximum expenditure for any procedure or what are the necessory tests to diagnose any thing or they can put a cap on stay or doctors visiting fee etc.

I think a middle class person has to manage when it comes to give a premium of mediclaim policy how can he manage charges for medical facilities.

We always say we are growing fast but these types of step push us back.

The discontinuation I think, will mean problems for many even though, it is related to elite  or select few hospitals considering most hospital are cash making ventures. In fact, it would be a nightmare given the current scenario where most hospital have increased, their charges manifold, as most patients are covered, under Insurance and the recovery is easy. Then there are added factors like, liberties given to other Doctors who visit at will, even if their services are not really required or related to patient’s treatment. These visits are charged to patient’s bill. The ironic part is that patient has little say in it. One often ends up in hospital as an emergency and sudden, not having enough time to arrange funds. I can not even begin to think their predicament. One hopes that they will honour those policies they have already issued.

It's certainly not the right move. If we have to shell from our own pocket for all our medical expenses then what's the use of having an insurance. I know that insurance company will reimburse our money but it will take a long time because of their formalities.