Ayushman Bharat Sarbat Sehat
Hospital revenue integrity in Punjab & Haryana.
Sarbat Sehat Bima Yojana in Punjab and PM-JAY in Haryana, with substantial cross-border referral movement.
Cities in Punjab & Haryana
Reading
How the scheme actually works here
Sarbat Sehat in Punjab and PM-JAY in Haryana, with substantial cross-border patient movement between them and into Chandigarh. Eligibility often has to be established across a state line.
The payer mix in Punjab & Haryana
Ludhiana and Jalandhar carry strong cardiac and orthopaedic volume plus NRI-linked private pay. Chandigarh draws referrals from three states.
Where hospitals here lose money
In this case mix it is the single most preventable loss. Payers disallow consistently and are entitled to.
A Punjab beneficiary treated in Haryana, or either treated in Chandigarh, needs eligibility evidence that a single-state desk does not routinely collect.
Which makes the accreditation rate differential a real calculation.
Check this week
Block submission of any claim carrying an implant line without a matching supplier invoice attached. This is the clearest case in the whole chain where a block beats a reminder.
What does not change at the state border
Room-rent proportionate deduction, pre-authorisation notification clocks, tariff drift against contract, and package-with-component billing work identically in Punjab & Haryana and everywhere else in India. They vary by contract, not by geography. What the state changes is the scheme layer sitting on top — which cases are viable, and what evidence the payer expects.
Worked through in detail: the nine ways an Indian payer reduces a claim, how scheme claims differ from private ones, and the ₹8,000 upgrade that costs ₹43,000.
Cities we cover in Punjab & Haryana
Ludhiana · Amritsar · Chandigarh · Jalandhar
Questions from Punjab & Haryana
Does Drapto work with Ayushman Bharat Sarbat Sehat in Punjab & Haryana?
Yes. Package rates are held per scheme, so a case can be checked for viability before admission rather than at billing. Sarbat Sehat in Punjab and PM-JAY in Haryana, with substantial cross-border patient movement between them and into Chandigarh.
What do hospitals in Punjab & Haryana lose the most money to?
Implant invoicing. In this case mix it is the single most preventable loss. Payers disallow consistently and are entitled to.
Do the payer rules change between states?
The scheme layer does — package lists, empanelment and eligibility are state-specific. The mechanics underneath do not. Room-rent proportionate deduction, notification clocks and tariff drift work identically everywhere in India; they vary by contract, not by geography.
Is Drapto available across Punjab & Haryana?
Yes, anywhere in the state. Deployment is remote and takes one to five weeks depending on size, with your payer tariffs loaded before go-live rather than after.
What does the free audit involve?
Twenty claims you have already settled. We show what was disallowed, how much was predictable, and how much the payer never explained. About an hour of your team's time, and you keep the findings whatever you decide.
Read next
The scheme changes at the state border. The payer mechanics do not — room caps, notification clocks and tariff drift work the same way in Punjab & Haryana as everywhere else.
Every way an Indian payer reduces a claim →
Other states
Read next
What is not on this page. We do not publish hospital directories, rank hospitals, or list which facilities sit on any insurer’s or scheme’s panel. Empanelment is product-specific and changes constantly — a stale list published by a third party sends a family to a hospital believing they are covered when they are not.
Your Insurance Ombudsman
For repudiated claims in Punjab HaryanaA repudiated cashless claim here is generally heard by the Chandigarh or Delhi offices, broadly covering Punjab; Haryana (excluding some NCR districts). Filing costs nothing and needs no lawyer, but there is a one-year clock from the insurer’s final reply.
Jurisdiction is defined by district in several states. Confirm yours against the Council for Insurance Ombudsmen’s list before filing.
The scheme you actually bill
Punjab| State scheme | Sarbat Sehat Bima Yojana |
| Alongside | Ayushman Bharat PM-JAY, private insurers and TPAs |
| Why it matters here | Converged with PM-JAY. |
Tariffs are held per payer and per contract in Drapto, so a claim is never priced under the wrong one.
Verify before you rely on this. State schemes are renamed and revised with budgets and governments. Check the current position with the state health agency.
See it on your own claims.
The payer mix is local. The mechanism is not — and it is the mechanism we show you.