covid and was briefly hospitalized. It took us about six hours to get a bed and the all-in cost was over ₹35,000 a day. I have three different health insurance policies with a cumulative cover of over ₹75 lakh.
The first insurer had recently dis-empanelled the hospital, the second had had some differences with the hospital on room eligibility, and the third was of the view that hospitalization was not necessary.
Covid claims such as this are testing the health insurance ecosystem deeply and at the core are the seemingly unbridgeable differences between hospitals and insurers.All participants in the ecosystem are facing challenges, including patients.