For Patients, Of Patients, By Patients

For years, hospitals have negotiated hard with insurance companies and corporate partners. Packages are discussed, rates are fixed, margins are considered, and every line item is calculated with precision. But when it comes to you — the patient — there’s almost no negotiation at all. You simply receive the bill and pay it, often without understanding what you’re being charged for or whether those costs are justified. That gap in the system is exactly where Health Samadhan  st

Indians are among the most skilled financial negotiators in the world. We question interest rates. We renegotiate rents. We compare EMIs, insurance premiums, fund expense ratios and brokerage fees. We switched plans to save a few hundred rupees a month. We hunt for cashback, debate over subscriptions, and proudly brag about discounts on flights and dining. We hire property brokers to negotiate real estate transactions and wealth advisors to optimise our investments. And yet,

When a medical emergency strikes, most people believe that having health insurance is enough. Unfortunately, reality often tells a different story. Hospital bills soar, insurers approve partial amounts, paperwork piles up, and families are left stressed, confused, and paying far more than expected. The true cost of a health insurance claim isn’t just about money—it’s also about time, emotional stress, and missed entitlements. Let’s break this down with a real-world comparison

The hospital corridor was cold, crowded, and painfully quiet in a way only hospitals can be. Not silent: just heavy. Phones buzzed constantly. A nurse walked past without making eye contact. Someone argued softly with a billing executive at the counter. Somewhere inside, a loved one waited for treatment. And outside, we waited too. Waiting for approvals. Waiting for updates. Waiting for someone — anyone — to explain what was happening next. That was the day it became clear: t

You did everything right. You bought health insurance on time. You paid your premiums every year. And yet, after hospitalization, you are staring at a bill that still runs into lakhs. This is one of the most frustrating realities of modern healthcare: having insurance does not mean your hospital costs are under control . For many patients and families, insurance offers reassurance—but not relief. Co-payments, exclusions, room rent limits, non-payable items, and unexplained ch

Healthcare costs are rising at an alarming rate. For many patients and families, a hospital bill can feel confusing, overwhelming, and completely non-negotiable. By the time the bill arrives, most people believe they have only two options: pay the amount requested or face financial distress . But the truth is more nuanced. While healthcare cost negotiation is possible , most patients are not equipped, informed, or empowered  to do it on their own. Hospitals operate with compl