The change is coming and PSU's have deleted some of the prestigious hospitals from the approved list of hospitals.
A question before us is -Is it applicable for group policies also or this is another decision only applicable to retail customers comprising of families.
You must recheck the names of hospitals not on the list of approved hospitals before buying or renewing the policy.
Saturday, July 10, 2010
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PSU insurance company's attitude towards Prestigious Hospitals blaming them for exorbitant billing and therefore moving them out of its approved list is an erroneous solution which would the private insurance companies like MAX BUPA and ones to follow will mis-utilize. Beware, private companies would create HNI plans charging huge premiums. End result would be that the cost of healthcare in the private sector would sky rocket and surely would have a long term bearing on the Hospital Rates.
PSU's should broadly categorize the populace based on economic factors and create separate Mediclaim policies for each one of the segment. Call them IND-PLATIUM, IND-GOLD, IND-SILVER for individual policy holders and CORP-PLATINUM, CORP-GOLD, CORP-SILVER for corporate policy holders. They can also have IND-BPL and CORP-BPL for Below Poverty Line populace. Prestigious Hospitals can be listed for Platinum category (since the premiums charges also would be very high) and other hospitals classified and listed accordingly for other groups. In such case we are not depriving anyone of their choice to comfort based on their affordability.
For eg. Amitabachhan will prefer Breach Candy but not mind paying 2 lakhs as insurance premium for such a facility.
A lower income individual will also want to go to Breach Candy but pay only Rs. 4,000/-.
That is the issue which needs to be addressed. Removing Prestigious Hospitals from the list is a mere FIRE FIGHTING exercise without and long term vision.
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