For Patients, Of Patients, By Patients

Many Indians assume that health insurance means “full coverage” for all hospital expenses. Marketing materials often reinforce this perception, but in reality, “fully covered” is rarely fully true. Patients frequently discover gaps in coverage only during hospitalization, resulting in surprise bills, denied claims, or unexpected co-payments. Why “Fully Covered” Is a Misleading Term Coverage Limits:  Every policy has a maximum sum insured. High-cost treatments, surgeries, or c

Healthcare is often assumed to be a neutral, patient-first system. In reality, the way hospitals, insurance companies, and medical institutions operate often leaves patients navigating a maze of conflicting priorities. While everyone claims to be helping, the truth is that no one acts entirely unbiasedly, and patients end up bearing the cost: financially, emotionally, and physically. The Hidden Conflicts in Healthcare Healthcare stakeholders have different incentives that can

Retirement is supposed to be a period of financial stability, relaxation, and peace of mind. Yet, for many senior citizens and retirees, a single hospitalisation can turn long-planned savings into unexpected bills. Even with health insurance, unforeseen expenses, high hospital tariffs, and gaps in coverage can erode your financial security. Understanding why this happens and how tariff negotiation can make a difference is essential for safeguarding your retirement savings. Th

For many adults, one of the most stressful experiences is learning that their parents have been hospitalised—especially when they live in a different city. Distance adds layers of complexity: arranging care, understanding medical procedures, managing insurance claims, and ensuring timely treatment. While health insurance can cover medical costs, it often does not address the logistical, emotional, and administrative challenges faced by children living far away. The Unique Cha

When it comes to healthcare costs, most patients assume that medical bills are determined solely by the type of treatment, doctor’s fees, or hospital facilities. In reality, location plays a huge role , sometimes inflating your medical expenses by up to 30% or more. Understanding this factor can help patients plan better, avoid surprises, and make informed choices about their care. Why Location Matters in Healthcare Costs The cost of medical care is heavily influenced by wher

Most people believe the healthcare system is broken. Long waiting times, confusing hospital bills, insurance claim rejections, and endless paperwork reinforce this belief. But the truth is more uncomfortable: and more important. Healthcare is not just broken. It’s also not designed for patients. The System Works Well: Just Not for the Person Who Needs Care Hospitals are designed around operational efficiency, capacity management, and revenue cycles. Insurance companies are de