look news india
Health Insurance Claims: The central government has created a single portal with the aim of speeding up the process of health insurance claims of patients and ensuring transparency. This will benefit patients, insurance companies and hospitals. Keeping in mind the long wait for settlement of insurance claims and quick approval of claims of patients discharged from the hospital by the company, the government has prepared the National Health Claim Exchange Platform. About 50 big insurance companies and 250 big hospitals of the country are also preparing to join this one 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 for settlement of the claim. In this way the patient has to stay in the hospital for one more day. Before preparing this portal, the National Health Authority held workshops and meetings with representatives of various insurance companies and hospitals.
How will this portal bring changes in the system?
If this effort of the government is successful, then there will be a big change in the health insurance ecosystem of the country. Currently, a hospital has to prepare and process claims of more than 50 insurance companies on its website. Patients admitted in the hospital are associated with different insurance companies and the processing of each patient's claim takes place on the website of those companies. An insurance company has to process claims coming from different hospitals and has to stay connected with the website 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 investigate on the same platform and this will speed up the process. Claim settlement will also be quick. Currently, the government will be 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?
Sources in the Health Ministry say that 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, policyholders will be able to get their claims as soon as possible. This will help prevent claim fraud. It will also be known which company is clearing the claim quickly and which company is delaying it. The status of the claim can also be seen easily. Policyholders will be able to track their claim status 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.