Hospital Costs & Billing

The common reasons a cashless health insurance claim is only partly approved, how to read the settlement letter, and the steps to ask for a review.

How long insurers have to decide on cashless pre-authorisation and discharge approval under IRDAI rules, what slows it down, and how families can speed it up.

The hospital charges that health insurance often does not pay, why the gap happens, and how families can plan for it before admission.

How Ayushman Bharat PM-JAY national portability works, how families can use their Ayushman card for treatment in another state, and what to check before travelling.

What room rent capping and proportionate deduction mean in health insurance, which charges they can and cannot affect under IRDAI norms, and how to avoid a smaller claim.

What MRP means for medicines bought in hospitals, whether you must buy from the hospital pharmacy, and how to check medicine charges on your bill.

Why an itemised hospital bill matters, your right to one under the Charter of Patients’ Rights, what it should show, and how to check it before you pay.

What hospital consumables are, why they appear as separate items on your bill, why insurance often does not pay for them, and how families can plan for the cost.