Cashless Health Insurance
More than 15 thousand hospitals across the country have abolished their cashless treatment contracts with insurance companies. This will affect the common patients directly. Those who get health insurance so that they do not have to pay treatment in difficult times from their pocket, now they may have to spend money themselves. This decision has come into effect from September 1 and the main reason for this is the displeasure of the insurance companies of the hospitals. In particular, cashless facilities of Bajaj Allianz, Care Health and Niva Bupa companies have been banned. Hospitals say that insurance companies are refusing to increase treatment prices and are cutting treatment expenses, causing huge losses to the hospitals.
Companies seeking treatment at 10 year old rate
Dr. Manish Madhukar, a member of the Private Hospital Association of Haryana, says that insurance companies are insisting on getting treatment at a 10 -year -old rate. That is, hospitals are not being given prices according to today. They say that treatment expenses have to be updated every two years, but insurance companies are not ready to accept this. Insurance companies are cutting medicines, testing and room fare. Also, after the discharge of the patient, there is also a delay in sanctioning the final bill, due to which the patient has to stay unnecessarily in the hospital. According to Dr. Madhukar, due to this, hospitals have decided to close cashless facility.
Payment outstanding in RGHS scheme also
701 private hospitals treating the government’s health scheme in Rajasthan have stopped cashless treatment. These hospitals owe about Rs 1000 crore to the government. Due to this, more than 35 lakh government employees and their families are in trouble. Former Chief Minister Ashok Gehlot and several employee organizations have made strong comments on the government regarding this issue. Hospitals say that they will not treat until the outstanding amount is received.
Increased figure of claim reject
Insurance companies are rejecting claims worth millions of crores every year. In the financial year 2023-24, insurance companies rejected claims worth 26 thousand crore rupees, which is 19 percent more than last year. Insurance companies issued a total of 36.5 crore policy in this financial year, but the claim sanctioned was only Rs 7.66 lakh crore. Claims worth about 3.53 lakh crore rupees were rejected due to some reason. This means that even though insurance companies are collecting premiums on a large scale, they are left behind in giving benefits to the patients.
What to do policy holder?
The news of the shutdown of cashless facility in health insurance has worried about patients and policyholders. This fight between hospitals and insurance companies will directly affect the common people. If your policy is from companies like Bajaj Alianz, Care Health or Niva Bupa, then definitely check the status of your policy. Also, confirm the cashless facility from the hospital, so that there is no problem at the time of treatment.