AHPI West UP Demands CIBIL-Like Rating System for Health Insurance Sector
New Delhi : The West Uttar Pradesh chapter of the Association of Healthcare Providers India (AHPI) has called for the introduction of a CIBIL-like rating system for insurance companies and Third Party Administrators (TPAs) to enhance transparency and accountability in the health insurance sector. The demand was prominently raised during the first AHPI West UP Conference.
Addressing the conference, Moradabad Divisional Commissioner Anjaneya Kumar Singh emphasized the need to integrate institutional hospital data with district planning and administrative information. He said such data-driven integration is essential for effective policy formulation and better governance in the healthcare sector.
AHPI Director General Dr Girdhar Gyani said that AHPI is steadily emerging as a credible and fact-based platform representing healthcare providers across the country. Highlighting the shortage of hospital beds in India, he stressed the importance of capacity expansion and timely payments under schemes such as Ayushman Bharat to ensure the financial sustainability of hospitals.
AHPI West UP Chapter President Dr Anurag Mehrotra drew a parallel with the banking sector, noting that just as the CIBIL score brings transparency and discipline to lending, a standardized rating system is urgently needed in health insurance. Such a mechanism, he said, would help patients make informed choices and ensure fair and ethical dealings with hospitals.
Dr Mehrotra pointed out that a lack of transparency in reimbursement rates, arbitrary claim deductions, and delays in payments have led to growing disputes between hospitals and insurance companies, ultimately affecting patient care and trust in the system.
The conference witnessed participation from senior doctors, hospital administrators, and healthcare leaders from several districts of western Uttar Pradesh. Speaking on the occasion, Dr Sunil Kapoor, Director of 4Sight Advisor, highlighted the growing role of artificial intelligence in healthcare and stressed that AI must be adopted with responsibility, ethical safeguards, and patient-centric values.
The conference concluded with a consensus that systemic reforms, greater transparency, and technology-driven solutions are critical for strengthening India’s healthcare and health insurance ecosystem.