India is considering a broad overhaul of health insurance rules, including standardised treatment rates, uniform coverage and wider use of a nationwide claims platform, as policymakers seek to contain rapidly rising healthcare costs, Reuters reported.
A panel comprising regulators, insurers, hospitals and industry representatives, chaired by IRDAI, is expected to submit its recommendations by the end of the year. One key proposal is to establish benchmark treatment rates agreed between insurers and hospitals to reduce disputes and limit inflated or fraudulent claims.
The panel is also considering a common health insurance product that all insurers would be required to offer alongside their existing policies, standardising coverage and pricing for a defined set of illnesses and procedures, and encouraging wider adoption of the National Health Claims Exchange (NHCX) to speed up verification and settlement.
Source: Reuters via Outlook Business (August 12, 2026)