Government schemes

PM-JAY, CGHS, ECHS, ESIC and state schemes — package rates, documentation and the deductions that follow.

Government schemes

PM-JAY package rates and what they include

Ayushman Bharat pays a defined package. Understanding what sits inside it decides whether the case is viable.

Government schemes

PM-JAY documentation that survives an audit

Beneficiary verification, pre-authorisation and discharge documentation under the scheme.

Government schemes

CGHS rates and the NABH differential

Accreditation changes your rate. Whether it changes your economics is a separate calculation.

Government schemes

ECHS claims: referral, empanelment and settlement

The ex-servicemen scheme has its own referral chain, and claims fail on it more than on clinical grounds.

Government schemes

ESIC and the tied-hospital route

How ESIC referrals reach an empanelled hospital, and what the reimbursement path looks like.

Government schemes

State health schemes: what changes across borders

Aarogyasri, MJPJAY, Chief Minister's schemes — package rates and processes differ by state.

Government schemes

Balancing scheme and private payer mix

Scheme volume is predictable and thin-margin. Getting the ratio wrong is a capacity decision, not a billing one.

Government schemes

When a scheme revises its package list

A revision changes which cases are viable overnight, and rate cards need to move with it.

Government schemes

Appealing a scheme rejection

A different process from private payers, with different timelines.

Government schemes

Verifying a scheme beneficiary at the desk

Identity failures are the largest single cause of scheme claim loss.

Government schemes

When the package rate is below your cost

A viability calculation, not a billing one.

Government schemes

Getting empanelled under PM-JAY

What the process requires and what it changes about your operations.