# Health insurance reforms must tackle cost of care, say experts 2026-08-14T17:48:51+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet India's proposed health insurance reforms aim to standardise treatment rates, introduce common coverage, and expand the National Health Claims Exchange (NHCX). Industry experts told BusinessLine the effort could improve transparency and contain rising healthcare costs, but warned its success hinges on addressing both the visible price of treatment and the underlying cost of delivering quality care. Gurmeet Singh of IFFCO-TOKIO General Insurance called standardised rates a welcome step that could reduce claim costs by 8-10 per cent, potentially lowering premiums. He cautioned that the NHCX must be properly integrated across stakeholders. Siddhartha Bhattacharya of NATHEALTH argued that reforms must look beyond rates to the structural cost of healthcare, including delays in insurer payments that lock hospitals' working capital. ## Coverage - thehindubusinessline.com Tags: IFFCO-TOKIO General Insurance, NATHEALTH Canonical: https://indianopinion.org/health-insurance-reforms-must-tackle-cost-of-care-say-experts/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/health-insurance-reforms-must-tackle-cost-of-care-say-experts/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.