patients and Doctor network
1.While granting licence/permission to such corporate star level hospitals, they must be instructed to levy certain specified charges for packages (as they call it) for Indian citizens, and display openly in Indian local language .. Moreover, such hospitals must be asked must be asked to run separate clinics , with certain number of beds, on philanthropic basis to cater the medical needs of poors at very cheap cost with good professional treatment.
3. The hospitals should not prescribe one packages for Cashless Medical Insurance claims and another package for Medical Reimbursement from Medical Companies after treatment/ surgeries are over. In practice public have noticed that they differ. When Cashless Insurance, the surgeries and treatments are given according to the standards prescribed by Medical Insurance companies, while in post-treatment /surgery Medical claim from Medical Insurance companies, the surgeries etc are more detailed and elaborate (sometimes even needless diagnostic procedures), and at the time of claim for reimbursement the Medical Insurance give torture to reimburse all the allowable items of expenses. Generally they give about 40.% to 60% of allowable genuine claims.
4. In many hospitals, the Medical claims system is misused. The Medical Insurance company appoint about half dozen to one dozen Agents in franchise manner, whose duties are (a)to bring as much individuals as possible in to Insurance claim since GOI/ I.T. is giving 100/- rebate that year. These franchise personals, who make direct contact with gullible people, who are generally sick, Senior citizens, working persons (who want to give medical protection to their wife and children) and lure them to enter in to Medical Insurance contract by informing false information, suppressing conditions detrimental to individuals and handover medical I.D.card telling that they can go in for cashless treatment. But in reality these are false. The persons entering in to such medical insurance are duped. I AM GIVING MY PERSONAL EXPERIENCE IN THIS REGARD SEPARATELY. more