Empanelled with nine payers.
Nine different sets of rules.
Every insurer and TPA you are empanelled with has its own tariff, its own room-rent rule and its own idea of what needs pre-authorisation. Most hospitals hold that in one person’s head, and when that person is on leave the deductions start.
Every tariff, per payer
Rate cards pasted from a sheet, held per contract. A procedure priced under the wrong payer’s tariff is a deduction nobody argues with because nobody notices.
Room caps, modelled before admission
A category above the cap does not reduce the room charge. It proportionately reduces everything — surgery, consumables, the lot. That is arithmetic, and it can be shown at the desk.
The pre-auth clock
Drafted, tracked, and escalated when a payer has not responded. A pre-auth that expired is a cashless case that became a cash case at discharge.
What we do not claim
Drapto is not an insurance intermediary, is not registered with IRDAI and does not represent you in a dispute. We do not transmit to NHCX on your behalf.
One price, wrong, all year
A tariff mismatch does not stay small.
A single procedure priced against last year’s contract, repeated at volume, for twelve months.
Illustrative figures. The point is the multiplication: a deduction small enough to ignore on one claim is not small across a contract year, and nine payers means nine contracts drifting independently.
The screen
23
5
3
19
3Billing against a superseded tariffreload
5Renewal inside 60 days, pack not startedbegin
4Rate list signed, never loadedload
2NABH certificate expiringrenew
19Complete, nothing outstandingno action
Empanelment is paperwork with a clock on it. This is the paperwork, and the clock.
Nine payers. Nine sets of rules.
Most hospitals hold that in one person’s head, and the deductions start when that person is on leave.