Hi :
Looking at it from the hospital perspective, I think since you said you are covered under Insurance the hospital royally escalated the bill for 1 day hospitalisation. Frankly I wonder what kind of tests did they conduct which ran up your bill so high. Secondly they also suggested you to stay 1 day just bcoz you were having insurance coverage.
From the Insurance perspective, most of the service providers do have their inhouse team of doctors who study the reports which is sent to them for claim settlement. They know what would be the approx cost for the tests and if the tests were required at all or not considering the line of treatment and diagnosis. Well though they too try to minimize the claim settlement by stating flimsy reason.
Anyhow I would suggest if you have been covered under Group Medical Insurance through the company, please inform the HR about the rejection of the claim. The HR intervention will help provided your insurance claim meets all the stated norms laid down by the Health Insurance company. Sometimes if the Insurance company wants to maintain service levels inorder to get future renewal from the company they make exceptions and settle the claims.
Meanwhile I think you should take it up with hospital also and question them about the charges they have levied. In a worst case scenario if you have to pay up the bill personally then it is a fairly high amount for a single day hospitalisation for no treatment per se
Hope the above inputs is useful.
- Gia
Looking at it from the hospital perspective, I think since you said you are covered under Insurance the hospital royally escalated the bill for 1 day hospitalisation. Frankly I wonder what kind of tests did they conduct which ran up your bill so high. Secondly they also suggested you to stay 1 day just bcoz you were having insurance coverage.
From the Insurance perspective, most of the service providers do have their inhouse team of doctors who study the reports which is sent to them for claim settlement. They know what would be the approx cost for the tests and if the tests were required at all or not considering the line of treatment and diagnosis. Well though they too try to minimize the claim settlement by stating flimsy reason.
Anyhow I would suggest if you have been covered under Group Medical Insurance through the company, please inform the HR about the rejection of the claim. The HR intervention will help provided your insurance claim meets all the stated norms laid down by the Health Insurance company. Sometimes if the Insurance company wants to maintain service levels inorder to get future renewal from the company they make exceptions and settle the claims.
Meanwhile I think you should take it up with hospital also and question them about the charges they have levied. In a worst case scenario if you have to pay up the bill personally then it is a fairly high amount for a single day hospitalisation for no treatment per se
Hope the above inputs is useful.
- Gia