GuideEvery way an Indian payer reduces a hospital claim — room caps, pre-auth clocks, PM-JAY, NHCX.Read the guide →

Payers

How a deduction happens, insurer by insurer.

Fifteen pages describing mechanisms. We publish no rejection rate for any insurer, no ranking between them, and no advice on which to avoid — we have not measured any of that, and a number nobody can check is not worth reading.

The mechanism is nearly the same everywhere.

Room caps, pre-authorisation scope and query windows account for most of what gets deducted, whichever name is on the policy. What differs is the cap, the window and the tariff — which is why the fix is your contract, not your choice of insurer.