How proportionate deduction is actually calculated

The ratio, what it applies to, and the charges most policies exempt from it.

Payer mechanicsIndiaUpdated Jul 2026

In short

Proportionate deduction applies the ratio of entitled room rent to actual room rent against associated charges. If entitlement is ₹4,000 and the room is ₹6,000, the payable ratio is 66.7%, and surgeon fees, OT, nursing and investigations are each reduced to that share. Pharmacy, implants and consumables are exempt under many policies.

The arithmetic

Ratio = entitled room rent ÷ actual room rent. Applied per associated head, not to the bill total, because the exempt heads have to be pulled out first.

This is why the visible room difference understates the loss so badly — a ₹2,000 nightly gap becomes a one-third reduction across the most expensive lines on the bill.

What is usually exempt

Pharmacy and consumables, implants and prosthetics, and in many policies diagnostics performed outside the room. The exemption list is contract-specific and worth loading per payer rather than assuming.

Assuming a charge is exempt when it is not is the more expensive error, because it is discovered at settlement.

Where it should run

At admission. Once the stay is complete the number is arithmetic and the only remaining question is who absorbs it.

Questions we get asked

Does proportionate deduction apply to pharmacy?

Under most Indian policies, no. Pharmacy, consumables and implants are commonly exempt, but the exemption list varies by contract and should be loaded per payer.

Can the patient be charged the deduction?

Only where informed consent to the upgrade and its consequence was recorded before admission to the higher room.

Built to international standards. Sold in India only, for now.

Drapto is engineered the way any serious international health platform is — FHIR R4, audit trails, self-hosting — and sold exclusively to Indian clinics and hospitals, so the payer mechanics, scheme rates and clinical vocabulary are modelled rather than approximated.