This work details as to how the direct treatment cost of hospitalised treatment tends to get affected by an in-patients private health insurance status. Through his descriptive research conducted across various tertiary-level private hospitals in Delhi, India, the author has shown that the treatment cost is generally higher when an in-patient avails private health insurance than when no such health insurance is availed. Key factors found to be associated with such a cost difference have been highlighted and discussed at length with a view to provide further insight to control such factors. This detailed treatise promises to go a long way in bringing out various facets of the problem in health insurance and guiding further to devise appropriate strategies to reduce treatment costs.

Dr Amit Kumar Gupta MBBS, MD, DTCD, MBA, MPhil, PGHM, PGHFWM is a medical doctor cum public health expert. He has two-decade experience with governments, UN agencies (WHO/UNICEF), and corporates. To his credit, he has 36 research papers and life memberships of many medical/scientific bodies. He is happily married and blessed with two daughters.