How insurance company troubles patient

 I am an ophthalmologist & deal with cataract surgery patients day in & day out. For cashless treatment under insurance for cataract surgery which is planned, insurance company doesn’t give full & final approval before surgery. They give initial approval of 10,000/- for e.g. for surgery package of 50,000/-. & final approval comes only after performing the surgery & submitting discharge card with lens sticker. This creates a situation where hospital needs to take deposit of 40,000// before doing the surgery & refund the amount once final approval comes. Sometime patient is unaware of limit in his policy & how much final approval will come & may have to pay the difference amount of full approval doesn’t come after surgery. Many patients do not want to spend out of pocket & want to go for a package which will be approved by insurance company & they do not mind going for a lower package but insurance company doesn’t give any clarity before the operation & many are having corporate policy, unaware about cataract package limit in their policy as they don’t have any policy documents except for the mediclaim card. This is seer harassment to patients even for a planned surgery with fixed packages & no hidden cost. I think IRDAI will look in the matter to streamline the process