Mediclaim Policy: Insurance companies running scissors for two to five lakh rupees for eight day corona treatment bill

[ad_1]

Kapil Neele, Indore, Mediclaim Policy. After the costly treatment of corona virus, now the insurance companies of people have increased the troubles. Companies are running their scissors on the huge bills of hospitals. During the treatment, the hospital has added several expenses to the bill. Government and private insurance companies are not willing to give it. Now despite having a mediclaim policy, the patients have to bear these expenses. These days, the cost of treatment for eight to ten days in the hospital has been between two and five lakh rupees. Where the companies are engaged in paying 30-40 percent of the amount deducted. The special thing is that even after having a cashless policy, the patients have to pay the hospital bill in cash.

Case 1: The 36-year-old man underwent treatment for five days at a private hospital in Bhanwarkua. The management has given a bill of about 93 thousand. While the young man had a cashless mediclaim policy. But the hospital advised the young man’s family to claim it after discharge. These days, documents have been sent to the insurance company, in which the matter of deducting 30 percent amount has been paid.

Case 2: Bhupendra, 41, was hospitalized after becoming infected. The treatment went to the hospital in Vijay Nagar. Here he was admitted from 24 April to 3 May. The bill for eight days became a bill of 2 lakh 40 thousand. Despite being cashless, the patient had to pay the bill in cash. After paying the hospital bill, the insurance company has applied for a claim. At present, the company has not allocated the claim amount. But 40 percent of the bill is said to be less.

Case 3: The 45-year-old Dharmendra was treated at the LIG hospital. From 23 April to 1 May, he was admitted to the hospital’s semivard. In addition to oxygen, several types of tests were conducted. While the hospital has not installed Remedisiver. Despite this, the bill became five lakh five thousand.

Rates fixed eight months ago

Last year, in the coronary period, arbitrary charges were levied on behalf of hospitals. Companies had to pay more than the claim amount. The companies then wrote to the Insurance Regulatory and Development Authority (IRDA) and insisted on reviewing the rates. IRDA introduced the rates a few months back. Where hospitals were classified into three categories. A, B and C fixed the rates according to the category. IRDA has varying rates for ordinary mediclaim and corona armor. In ordinary mediclaim, 24-hour hospitalization is mandatory. Whereas the company will pay for both the home quarantine and the hospital in the corona armor.

Indore Crime News: Neighbor assaulted and then threatened to commit suicide by writing a false suicide note

Also read

Tighten the room rent

Hospitals have increased the room charge of General, Private, Semi Private and ICU during the Coronasal. Large hospitals where room rents are being charged from eight to ten thousand rupees per day. The small hospital is also not far behind. IRDA has fixed the rates for room rent of hospitals. After the new rule, the insurance company will pay for the private-semi private room on the basis of the policy, in which one percent of the private and two percent of the ICU. Try to understand it like this. Like, the hospital has charged eight thousand rupees per day of ICU. But if the patient has a policy of two lakh rupees, then the company will not pay more than four thousand rupees per day. The remaining amount has to be borne by the patient. Whereas the entire cost will have to be paid by the company in the corona armor policy.

Covid Help Indore: Sikh society built Kovid isolation center in Indore

Also read

Spending cuts

Under normal Mediclaim policy, 30 percent of the registration charge, service charge and consumer item charge will be given by the hospital. While all these expenses are not being given in the corona armor. According to insurance advisors, the consumer items have included other expenses including disposable plates, injections, food. Therefore, the company is not giving this amount. These expenses have to be borne by the patient and the policy holder.

Indore Crime News: Lakhs worth of goods stolen from a house in Sangam Nagar, Indore

Also read

Feeling a month in claim settlement

Despite being a cashless policy, these days hospitals are not validating them. They are asking to deposit the bill amount in cash. Insurance companies have to apply to claim the amount of hospital expenses. Cashless policy holders are also putting in a month-long claim settlement.

Arbitrary charge

Insurance consultant Mukesh Trivedi said that despite the cashless policy, the policyholder has to apply for the claim. Many private hospitals are not validating the policy. The major reason behind this is that hospitals are making arbitrary bills, which do not come under the purview of insurance rules. That is why cash is asking to be paid. Later, one has to apply for the claim, in which companies are deducting some amount. It is also taking a month’s time.

Out of multiple charging rules

Insurance consultant Pratham Mishra says that after getting upset with the arbitrary bill of hospitals, new rules have been framed by IRDA, which excludes ten types of charges from the payment rules. The policyholder has to bear these expenses. By the way, these expenses are only between 60-70 thousand.

[ad_2]