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Why You Need HICL

  • The insurance sector in India is still not having any technical infrastructure to deal with your specialized cases.
  • Insurance only covers the compensation part and that too in consumer cases only.
  • If you give your exact hospital calculation then you will end up paying a huge sum of amount and practically it doesn’t have any sense or usage. Our basic aim is to provide all the services in very reasonable cost and so we have a package rate which includes the premium of insurance and our infrastructure charges. Naturally we use to keep a big chunk of paid amount with us and use to pay the insurance only the charges according to their usage.

This we use to do in Error and Omission policies only because in any case, we are only responsible for your service. Please go through the following table, which shows the details of insurance facts and our coverage:-

DETAILS INSURANCE COMPANIES HICL
Coverage Insurance companies only cover the consumer forum cases and that too, you have to coordinate with them. HICL covers each and every problem of a Hospital and Doctors. Cases may go in police station. It may be proceeded criminally or simply it can be there in MCI or any other authority, we cover every step.
Lawyers Insurance companies have their own set pattern of lawyers, On whom you may not like to depend. We have experts to deal with your problems and even have panels according to the nature of cases.
Other cases No Coverage HICL takes your problems out of your professional negligence also. E.g. MCI, Labor, Licensing, Pollution control, bio-medical, Recovery, TPA Billing etc.
Services Not Available HICL gives you doorstep services on 24 hours basis, We even take the personal cases also. Our services are available on all India basis, and literally you need not to move anywhere from your place.
Document Record Not Available HICL even extends its services in checking your records, Document pertaining to any complaint and even make your records update according to medico legal terms.
Keeping Not Available HICL also conducts learning programs, free of cost for its member and under this it imparts training to your visiting consultants and hospital staff.
Charges Not Available HICL manages its charges in its package rate only which is cheaper and reasonable.

CONVENTIONAL INSURANCE COMPANIES AS RISK MANAGERS”

  • This is perhaps the most interesting and eye-opening topic while discussing the insurance companies. The presence of insurance companies has been there for several decades, and in India also, it had its own contributory factors. But what we often forget is that sole dependence on an insurance policy will not suffice, particularly when the risk covers the broader aspect of liability or responsibility, whether professional or individual.
  • Tailor-made policies from insurance companies are quite old and were created way back in the eighties, when the anticipation of risk in the health sector was very low.
  • The traditional professional indemnity and error & omission policies do not align with the latest trends of complaints and risks, and they are absolutely not the professional's best friend anymore.

“REALITY BITES”

MYTH: Insurance covers every case and compensation.

Reality: Insurance only covers cases in consumer forums or civil compensation cases for the insured.

MYTH: Take an insurance policy and get relaxed. In any case, you just have to intimate them and they will take care of every matter.

Reality: There isn’t any specialized infrastructure in any insurance company for speedy after-services, and the insured has to coordinate with officials and appointed lawyers.

MYTH: The legal expenses are borne by the insurance companies.

Reality: There are set patterns of fees/charges fixed by the insurance companies, and they cover only that. It doesn’t matter to them if you are hiring the services of an expert.

MYTH: The insurance companies pay the compensation instantly.

Reality: This policy indemnifies the loss of the insured. Hence, in the case of compensation, the insured has to pay first and then apply for reimbursement.