One Mandate and We’ll Get You a Better Hospital Deal. That's our promise
- Khushi Berry
- 4 days ago
- 5 min read
Most patients don’t realise this until it’s too late: the biggest financial mistake in healthcare is not choosing the wrong hospital — it’s walking into one without representation.
In India, hospitalisation is one of the largest unplanned expenses a family faces. A single admission can cost anywhere from ₹3 lakh to ₹15 lakh or more. Yet despite the stakes, most patients approach hospital pricing passively. They accept the first estimate they receive. They assume it’s fixed. They assume it’s fair. And once treatment begins, they assume there’s nothing that can be done.
That assumption is expensive.
The truth is simple: hospital pricing is negotiable. It always has been. The problem is that negotiation happens for everyone except the patient.
This is where the mandate matters.
When you give Health Samadhan the mandate, you are doing one thing differently from millions of other patients — you are choosing representation. And representation changes outcomes.
Why patients overpay in hospitals
Hospitals in India are businesses. They have revenue targets, pricing teams, and margin expectations. They negotiate constantly — with insurers, corporates, and government schemes. These negotiations determine package rates, room rent caps, billing slabs, implant pricing, and payment terms. Entire departments exist to optimise these numbers.
However, when an individual patient walks in, none of that negotiation takes place.
Instead, the patient is given a “standard package.” One number. Limited explanation. Often delivered with urgency. The message is subtle but clear: this is what it costs.
That number is rarely the best possible price. It is retail pricing — the highest unoptimised version of hospital costs, offered because there is no one on the other side pushing back.
Patients don’t negotiate because they don’t care, but because they are emotionally vulnerable. Hospitalisation is stressful. Families are focused on outcomes, not spreadsheets. They lack the data, benchmarks, or confidence to challenge estimates. And hospitals know that.
The result is predictable. Patients overpay.
Why insurance doesn’t solve this
Many people believe health insurance protects them from high hospital costs. It doesn’t — at least, not fully.
Insurance settles claims in accordance with the policy terms. It does not negotiate what the hospital charges. It does not prevent inflated packages. It does not eliminate non-payables. It does not stop sub-limits from being triggered. It does not ensure optimal use of room categories or implants.
This is why patients with a ₹20–25 lakh cover still end up paying lakhs out of pocket.
Insurance manages risk transfer. It does not manage hospital pricing.
Pricing control happens before admission — not at claim settlement.
What giving us the mandate actually means
Giving Health Samadhan the mandate means you authorise us to act as your hospital broker.
Not your doctor.Not your insurer.Your financial representative inside the hospital system.
Before you get admitted for any planned or elective procedure — maternity, orthopaedics, general surgery, cardiac care, or any non-emergency admission — we step in.
You share your diagnosis, procedure recommendation, and any existing hospital estimate you’ve received. That’s it.
F
rom there, we do what patients usually cannot.
We benchmark your quote across multiple hospitals. We negotiate package rates. We question inclusions and exclusions. We work through room categories, billing slabs, implants, non-payables, and insurance optimisation. We bring transparency where there is usually opacity.
Most importantly, we do all of this before admission — when negotiation still has leverage.
The outcome is simple: you see better options. Cleaner estimates. And in most cases, a significantly lower out-of-pocket cost — without changing your doctor or treatment.
Same care. Better deal.
Our rule is non-negotiable
Here’s where Health Samadhan is different from consultants, advisors, and middlemen.
We don’t charge upfront. We don’t take retainers.We don’t bill “advice fees.”
Our rule is clear:
If we don’t get you a better deal than what you walked in with, you walk away.No savings. No fee.
If we succeed and you hospitalise through a deal we negotiated, we earn a success fee. If we don’t, you pay us nothing.
This alignment matters. It ensures we are incentivised to negotiate aggressively on your behalf — or tell you honestly that your existing deal is already fair.
There is no downside for the patient.
Why this model works
Every mature market introduces representation where power is uneven.
Real estate has brokers because buyers negotiating alone overpay.Investments have advisors because individuals navigating markets alone make costly mistakes.Insurance has brokers because policies are complex and opaque.
Healthcare pricing is more complex than all of these combined — and yet, patients have been expected to manage it alone.
Hospital broking corrects that imbalance.
When patients are represented, pricing becomes transparent. Expectations align. Post-discharge disputes reduce. Trust improves. And hospitals, contrary to popular belief, often prefer structured negotiations over emotional conflicts later.
This is not about fighting hospitals. It is about professionalising a process that already exists — but only for institutions.
Who this is for
Health Samadhan is designed for planned and elective hospitalisations.
If you have an upcoming admission in the next 30–90 days for maternity, orthopaedics, general surgery, cardiac procedures, or any non-emergency treatment, this is when the mandate matters most.
This is not for emergencies where time is critical and negotiation windows are closed. Representation works when there is space to compare, negotiate, and decide — before admission.
Why walking away is power
The most underrated part of our model is the option to walk away.
Most patients don’t realise they have leverage until they see alternatives. Once you see multiple negotiated options, the “standard package” loses its authority. You are no longer negotiating from fear — you are choosing from clarity.
Walking away doesn’t mean refusing care. It means refusing retail pricing.
And that single shift — from passive acceptance to informed choice — is where patients regain control.
The larger shift
Hospital brokerage is not a trend. It is a correction.
For years, Indian healthcare evolved around insurers, corporates, and institutions. Patients were expected to trust and comply. That era is ending. Transparency, representation, and fairness are becoming expectations, not exceptions.
Health Samadhan exists to accelerate that shift.
We don’t promise miracles. We promise alignment.
Give us the mandate.Let us negotiate.If we can’t get you a better deal, you walk away exactly where you started — no cost, no pressure.
But if we do, you save money, gain clarity, and walk into your hospital admission represented.
Healthcare will always be emotional. Hospital pricing doesn’t have to be.
Health Samadhan — your hospital broker.Patient-first. Always.
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