Though Insurance penetration may increase the people they cater to, Insurance patients are not preferred by the hospitals as the insurance cos many a times they dictate the tariff to the hospitals which individual cash paying patients cant. Also the working capital cycle gets prolonged for insurance claim. These are the days where insurance cos have a big say on how much each surgery can be charged, whatever the health cover you have. Have seen instances where despite having 10 lac cover, they refuse to give even 1 lac for deserving surgery citing its their tariff. Not many hospitals can go against it as they may lose their patients( as an insider from healthcare). Hence insurance penetration has both positives and negatives. For hospitals that are running efficiently with good clientele, any day they would prefer cash paying patients for the reasons cited above.
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