Memorandum to IRDA through HBI.

since so many years,small hospitals have been neglected by insurance companies.

for a country like india with varied demography, handful of big corporate hospitals are not enough to provide timely care.

even  our IMA policy suggests the importance of  family medicine and necessity  of referral system.

so, we can propose to IRDA authorities,

1.that all small hospitals (<20beds) and day care centers can be empaneled for out-patient and day care services.

2. even for secondary care services (both medical and surgical),the small hospitals with entry level NABH accreditation can be considered for empanelment.

3. we all know,small hospital can give service at fairer prices. so,IRDA can categorise and grade  the hospitals and  can fix the charges for various procedures as per the grade system.in this way, rural people has the liberty to choose  right hospitals at right time at their proximity. even insurance companies could get the benefit of lower reimbursment charges at affordable premiums.in this way, the health  insurance penetration will rise and the companies would prosper on higher volumes.

4. almost 80% population in south india  and 55% population in remaining part of our country has been covered by govt health insurance policies. small hospitals  playing big role by contributing  70% of delivery of health services. so, the country can't afford to side track these small hospitals and encourage only the big hospitals,which would lead to corporatization of health care and monopoly of health services which is not advisable for  a country like india.