Credence Services: Role of Liability System in India

Panta Murali Prasad, M. Dalvi
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Abstract

Consumer sovereignty is a myth in the healthcare services because of high information costs and bounded rationality. Moreover, producer sovereignty oriented surgeries and absence of social security system enhance patients’ vulnerability in India. Thus, the aggrieved patients approach consumer courts against deficiency in the services of physicians. Our study shows that these courts had received 57.61 per cent of the patients’ grievances that were related to surgery. The grievances reveal that the erroneous surgeries inflict harm on patients. As a result, patients’ incur healthcare costs and sufferings due to permanent disability, apart from premature deaths. Courts were able to decide only nine per cent, 23 per cent and 30 per cent of the total disposed of cases in favour of consumers at the National Commission, the State Commission of Andhra Pradesh and the District Forum of Nellore, Andhra Pradesh, respectively. This is due to causational link problem. Our analysis further posits that the law’s delay and costs on vexatious claims raise concerns about efficiency of the courts. The insight obtained is to alter physician behaviour by establishing an appropriate incentive structure to practise patient oriented health care.
信用服务:责任制度在印度的作用
由于高昂的信息成本和有限的理性,消费者主权在医疗保健服务中是一个神话。此外,以生产者主权为导向的手术和社会保障制度的缺失增加了印度患者的脆弱性。因此,受害的患者向消费者法院起诉医生服务的不足。我们的研究表明,这些法院收到了57.61%的病人的申诉,与手术有关。这些不满表明,错误的手术对病人造成了伤害。因此,除了过早死亡外,患者还要承担医疗费用和永久性残疾带来的痛苦。在国家委员会、安得拉邦国家委员会和安得拉邦内洛尔地区论坛处理的案件中,法院分别只能对消费者有利的案件作出9%、23%和30%的裁决。这是由于因果关系的问题。我们的分析进一步假设,法律对无理取闹索赔的延迟和成本引发了对法院效率的担忧。所获得的洞察力是通过建立适当的激励结构来改变医生的行为,以实践以病人为导向的卫生保健。
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