COVID‑19 cashflow stress exposed flaws in India’s insurance reimbursement. In Q3‑FY21, private insurers rejected 18.9 % of COVID claims, citing package rate caps.
How hospitals fought back
Automated charge captures matched oxygen and PPE usage to patient IDs, documenting real input costs.
Batch analytics fed denial patterns (e.g., “PPE bundle > ₹10,000 flagged by Insurer X”) into pre‑bill checks, slashing avoidable rejects by half.
Escalation bots filed e‑mail appeals the same day a denial arrived, cutting the usual 30‑day lag.
Hospitals that invested in denial analytics shrank DSOs to 38 days vs. sector average 62 days, a tangible edge when banks tightened working‑capital lines.