Improvement in tech, backend processes & team strength needed to achieve IRDA objective: Shweta Rajani
«Honestly the infrastructure would need to be improved, the backend technology would have to be improved for them and the timeline for them is I would say two months, within two months they have to get all this sorted,» says Shweta Rajani, Anand Rathi Wealth.
In my personal experience, I was hospitalised once and I got to discharge in the morning but the entire thing got settled only post 5 pm or 6 pm in the evening so almost seven to eight hours of waiting period and at that time you being a patient, you being discharged are in touch with the health insurance company, their customer call requesting them to give the authorization and just let me go home but now it seems this will be all stopping and not more than three hours you will be allowed to wait?
Absolutely. What you said is your experience is something that most family members or patients would have experienced even though they would have applied for cashless insurance, but at the time of discharge you are right it could end up taking easily seven to eight hours while during this time period the hospital is submitting all the bills, the required documents, then there is a wait time because the insurance company has to approve of all the claims, give the authorization and then only you are allowed to get discharged, not only that in a lot of cases it does not end there because you would have given still some amount of a deposit right because your entire claim process is still going to take a few days and that deposit money to come back to you could be a few days away.
