MEDI-CLAIM UTILISATION PRACTICES AMONG THE PATIENTS OF PRIVATE HOSPITALS IN COIMBATORE CITY
Journal Title: PARIPEX-Indian Journal of Research - Year 2017, Vol 6, Issue 11
Abstract
This study aims to analyse the medi-claim utilisation practice among the private hospital patients in Coimbatore city. The study found that only 3.59% of the respondents' opined that the costs and services charged in multi-speciality hospitals in Coimbatore city are very high. Followed by 33.85% respondents opined to be high and 59.10% respondents as moderate and 3.46% respondents opined to be low on the expenses covered in their health insurance policy. The study, further, found that 91 per cent of the policy holders surveyed have opined that their health insurance policy covers boarding expenses, 84.33 per cent of sample subjects have said that their policy covers surgical procedures charges like: surgery, consultation, anaesthetists charges and 83.33 per cent of the policy holders felt that the intensive care unit charges are covered by their health insurance. The study also revealed that during the claim process, the insurance companies hike the service charges. Few private hospitals exaggerate the medical treatment even for simple diseases and charge more, especially when a patient uses medi-claims for reimbursement of their expenses and the respondents also claim that few hospitals offering extra services under medi claim stands. The study suggested that India offers greater opportunity for the private health insurance companies to tap uninsured potential markets.
Authors and Affiliations
Mrs. K. S. Uma, Dr. J. Shanmuganandha vadivel
Keywords
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