look news india
Health Insurance Claims: With an aim to expedite the processing of health insurance claims of patients and ensure transparency, the Central Government has created a single portal. This will benefit patients, insurance companies and hospitals. Keeping in mind the long waiting time for settlement of insurance claims and faster approval of claims of discharged patients by the company, the government has created the National Health Claim Exchange Platform. About 50 big insurance companies and 250 big hospitals of the country are also preparing to join this portal. It is often seen that the patient is discharged from the hospital in the morning but it takes late night to get the green signal from the insurance companies to settle the claim. In such a situation, the patient will have to stay in the hospital for one more day. Before preparing this portal, the National Health Authority conducted workshops and meetings with representatives of various insurance companies and hospitals. After this the portal has been prepared.
How will this portal bring changes in the system?
If this effort of the government is successful, there will be a big change in the health insurance ecosystem of the country. Currently, a hospital has to prepare and process claims from more than 50 insurance companies on its website. Hospitalized patients are linked to different insurance companies and each patient's claim is processed on the websites of those companies. An insurance company has to process claims coming from different hospitals and stay connected to the websites of all the hospitals. When this platform of the government is launched, claims will be processed from a single platform. Hospitals and insurance companies will conduct tests on a single platform and this will speed up the process. Settlement of claims will also happen soon. Currently, the government will remain in the role of coordinator regarding this portal, but in the coming time, the monitoring process will be expedited.
Why is the government doing this?
Health Ministry sources say that only insurance companies and hospitals want a single platform. The Insurance Regulatory and Development Authority of India (IRDAI) has taken this initiative forward. This is a digital health claim platform, which will give insurance companies a chance to reduce their costs. Also, policy holders will be able to get their claim as soon as possible. This will help prevent claim fraud. It will also reveal which company is settling the claim quickly and which company delays it. The status of the claim can also be easily seen. Policyholders will be able to track the status of their claim online. Professionals representing insurance companies, TPAs and hospitals have participated in the workshops held so far. This will prove to be an important step to promote the adoption of digital health transactions in the country and digitization of patient health records. This will also make it easier to keep a digital record of the patient's treatment.
