IRDAI 2024 Clause 19 Statutory Compliance
CIO Jurisdiction: Kolkata
Award Ref: CIO/KOL/2024
Howrah Health Insurance Claim Deduction & Cashless Discharge Scorecard
Statutory transparency metrics for network tertiary care in Howrah, West Bengal • Ombudsman: Kolkata
Total Hospital Billed
₹250,000
Arbitrary TPA Cut
₹48,500
Legally Recoverable
₹48,500
Deterministic Math Comparison: TPA Cut vs. IRDAI May 2024 Statutory Math
| Line Item / Disputed Component | Billed (₹) | TPA Cut (₹) | Statutory Approved (₹) | Recoverable Overcharge (₹) | IRDAI Statutory Reference |
|---|---|---|---|---|---|
| Howrah Average Proportionate Cut | ₹95,000 | ₹23,500 | ₹95,000 | ₹23,500 | IRDAI Clause 19 |
| Howrah OT Consumables Cut | ₹21,000 | ₹12,800 | ₹21,000 | ₹12,800 | IRDAI Annexure-1 |
Verbatim IRDAI Circulars & Statutory Citations
City Ombudsman Centre — Kolkata
Hindustan Bldg Annexe, C.R. Avenue, Kolkata
Citation: Insurance Ombudsman Rules 2017
Frequently Asked Questions (Pan-India & Vernacular Legal Guidance)
Which hospitals in Howrah have the lowest reported cashless deduction variance?
Hospitals that adhere strictly to IRDAI May 2024 Clause 19 and refrain from levying unbundled administrative MRD fees achieve over 88% first-pass clean settlement in Howrah.
Statutory Redressal Jurisdiction: Council for Insurance Ombudsmen (Kolkata)
Address: Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, Kolkata - 700072
States & UTs Covered: West Bengal, Sikkim, Andaman & Nicobar