New Delhi: The brunt faced by cashless mediclaim users might soon be transferred to the hospitals with the government planning to formulate a fixed rate for the treatment of 20 diseases. This policy will surely help to streamline the cashless mediclaim scheme which has been facing a crunch for some time now.  

Keeping in view the different rates charged by hospitals for different diseases, the government has formulated a standard procedure for the treatment of 20 diseases with the assistance of insurance companies, eminent physicians, companies running hospitals. This will later be sent to the Health Ministry for final approval.

After the Ministry’s stamp, it would be mandatory for hospitals and insurance companies across India to follow the procedure.

Under the cashless mediclaim scheme, the insurer can avail treatment in a hospital without paying money. After the implementation of this procedure, a standard rate will be charged by the hospitals across the length and breadth of the country for treatment of the 20 selected diseases.

Presently, insurance companies are forced to pay different amounts for a particular disease depending on the rates charged by the hospitals which had affected them negatively. Following this, the companies had stopped the cashless mediclaim facility from July 2010.

With the implementation of the new formulated policy, the insurance companies will be able to gauge the amount required for treatment of a particular disease.

At present only 460 hospitals provide the cashless mediclaim policy. But insurance companies have assured that after the implementation of the standard procedure they will restart the cashless scheme for all the hospitals.
National Accreditation Board for Hospitals (NABH) Chairman, Dr Narottam Puri said, “We have finalised the standard procedure for 19 out of 20 diseases including diabetes and heart disease.”

This procedure will be implemented in small dispensaries as well as multi-facility hospitals, he added.

(JPN/ Bureau)