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Out of pocket expenditure after insurance coverage for critical conditions in a private hospital

OUT OF POCKET EXPENDITURE AMONG CRITICAL CARE INSURED PATIENTS ADMITTED IN A TERTIARY CARE HOSPITAL

Status
Active, not recruiting
Phases
Unknown
Study type
Observational
Source
CTRI
Registry ID
CTRI/2021/06/034268
Enrollment
500
Registered
2021-06-16
Start date
Unknown
Completion date
Unknown
Last updated
2021-11-24

For informational purposes only — not medical advice. Sourced from public registries and may not reflect the latest updates. Terms

Conditions

Health Condition 1: N17-N19- Acute kidney failure and chronic kidney disease Health Condition 2: I60-I69- Cerebrovascular diseases Health Condition 3: I00-I99- Diseases of the circulatory system Health Condition 4: C50-C50- Malignant neoplasms of breast Health Condition 5: C15-C26- Malignant neoplasms of digestive organs Health Condition 6: C00-C14- Malignant neoplasms of lip, oral cavity and pharynx Health Condition 7: O- Medical and Surgical Health Condition 8: G82- Paraplegia (paraparesis) an

Interventions

None listed

Sponsors

None listed

Eligibility

Inclusion criteria

Inclusion criteria: • Patients admitted for critical care and are covered by the following 10 Voluntary Health insurance companies offering critical illness coverage in a tertiary care hospital. 1. Bajaj Allianz health insurance 2. Future generali health insurance 3. Universal sampo health insurance 4. HDFC Ergo health insurance 5. United india health insurance 6. SBI life health insurance 7. Reliance general 8. Iffco tokio health insurance 9. New india assurance 10. National health insurance • Illness common under all the 10 health insurance companies 1. Cancer (Of specified severity) 2. Coma 3. Stroke 4. Permanent paralysis of limbs 5. CABG 6. First heart attack 7. Kidney failure requiring dialysis 8. Major organ transplantation

Exclusion criteria

Exclusion criteria: • Patient not willing to be a part of study • Patient getting discharged in less than 24 hours of admission. • Death of the patient within 24 hours of admission. • Medico legal cases • Road traffic accidents • Total hospital bill amount of less than INR 30,000 • Sum assured exhausted in that premium period

Design outcomes

Primary

MeasureTime frame
1.To analyse the out of pocket expenditure among patients covered with health insurance offering critical illness benefits. Timepoint: 1 month after discharge—

Secondary

MeasureTime frame
To assess patient satisfaction under various voluntary health insurances offering critical illness coverage. Timepoint: 1 month after discharge—

Countries

India

Contacts

Public ContactAvinash Shetty

Kasturba Medical college,Manipal

ashwin.kumar@manipal.edu9845592101

Outcome results

None listed

Source: CTRI (via WHO ICTRP) · Data processed: Feb 4, 2026