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ISSN 2063-5346
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HEALTH INSURANCE CLAIM SETTLEMENTS: AN OVERVIEW OF EXPECTATIONS AND EXPERIENCE OF POLICYHOLDERS

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Dr. Nikita Singhal,Dr. Almas Sultana,Ms. Shikha Goyal
» doi: 10.31838/ecb/2023.12.3.116

Abstract

This study aims to get the experience and expectations of policyholders from their health insurance during their critical times. For this purpose, we have conducted interviews with 85 health insurance claimants in Delhi which include those hospitalized due to covid and also due to other diseases. The study concluded that during the pandemic, policyholder faced several problems in getting their claim settled which is a lesson for all of us in understanding that when any type of health crisis occur how the regulator, insurer, and policyholders should be prepared. However, when we interviewed health insurance claimants who were hospitalized due to some disease other than covid-19, they were not faced any problems in getting their claims settled. Hence, it can be concluded that Covid-19 was a black swan event that has affected every facet of life, and because it was new to everyone, it took time for everyone to settle down.

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