Interesting article from Bloomberg Markets, March 2005............Dee
Knapp

INDIA: FIRST SOFTWARE, NOW SURGERY

International patients are traveling to India for cheap opera-tions.
Hospitals�aiming for $2.3 billion in annual revenue by 2012�are uniting
to lift quality and improve first impressions.
By Abhay Singh and Mrinalini Datta.

In April, Ian Stuart Crombie, 64, couldn�t finish his week-ly round of
golf at the Bonny Island golf course in Rivers State, Nigeria, because
of piercing pain in his right hip. Doc-tors gave him two choices: live
on painkillers or undergo sur-gery. The British citizen, who was working
as a human resources manager in Africa, says his medical plan didn�t
cover the operation. He didn�t bother with the U.K. National Health
Service because of its waiting list and decided not to pursue treatment
in Nigeria. A private hospital back home would charge 15,000 pounds
($28,133), he says.
Crombie opted for a route that more Europeans and Americans are taking.
He looked beyond a decrepit airport and teeming streets and chose India
for medical care. In September, Crombie flew 5,159 miles (8,303
kilometers) from his home in Winchester to Apollo Hospital in Chen-nai.
Doctors performed a hip resurfacing, which involved shaving his
thighbone and fitting it with a metal head that was then anchored in his
hip socket. With the operation, Crombie joined the international
clientele flocking to India for cut-rate services that include telephone
call centers, software design and financial analysis.

Health care for foreign patients will deliver 100 billion ru-pees ($2.3
billion) a year to India�s hospitals by 2012, accord-ing to a report by
New York�based consulting firm McKinsey & Co. and the New Delhi�based
Confederation of Indian Industry, the nation�s biggest business group.
The market in 2003 was $333 million according to the Gurgaon-based India
Brand Equity Foundation, a partnership between the CII and India�s
Ministry of Commerce.

Investors hoping to benefit from the influx of foreigners are driving up
shares of Chennai-based Apollo Hospitals En-terprise Ltd. Apollo, which
runs 33 hospitals in India, includ-ing the one in Chennai, is the
country�s only publicly traded hospital chain. On Jan. 11, Apollo traded
at 254.75 rupees on the Mumbai Stock Exchange after rising 39 percent in
2004, triple the 12 percent gain for the benchmark Sensitive Index.
Maxwell (Mauritius) Pte, a unit of Temasek Holdings Pte, the Singaporean
government�s investment company, bought a 5 percent stake in Apollo for
$11.2 million in September.
�Indian hospitals are a very cheap option where patients get the same
quality they�re used to back home,� says Sanjay Dongre, who manages the
equivalent of $237 million of shares at UTI Asset Management Co. in
Mumbai, which owns Apollo stock.

Heart surgeons such as Naresh Trehan, 58, who practiced at the New York
University School of Medicine before start-ing a hospital in India, are
moving the nation beyond the medical services it already sells to
foreigners. Wipro Health-care IT Ltd. in Bangalore produces
three-dimensional imag-es from radiology scans for Massachusetts General
Hospital in Boston. SRL Ranbaxy Ltd., a Mumbai-based laboratory
certified by the Northfield, Illinois�based College of Ameri-can
Pathologists, tests blood, other body fluids and tissue samples for
hospitals in Abu Dhabi and Dubai.
Hurdles to India�s medical ambitions abound. With 100,000 patients a
year traveling to the country�up from 10,000 five years ago�hospitals
are struggling to remedy first impressions that can turn people off.
Howard Staab, 53, a self-employed carpenter from Durham, North Carolina,
chose India for surgery to repair a leaking mitral valve, a con-dition
that can cause heart failure. Staab had toured Spain and New Zealand and
spent 10 months at the South Pole building science research stations.
Even so, he says, he and companion Maggi Grace, 51, were startled in
Septem-ber 2004 by streets overflowing with people and bicycles and by
neighborhoods where new offices butt up against tarpaulin-covered slums.
They wondered whether the price of his operation�$6,700 with Trehan at
New Delhi�based Escorts Heart Insti-tute and Research Centre compared
with $200,000 at Durham Regional Hospital in the U.S.�was worth the
risk. �For a minute I thought, �What have I done?�� recalls Staab, who
says he�s happy with his surgery and care at Escorts.

Harpal Singh, chairman of Fortis Healthcare Ltd., a pri-vately held New
Delhi company with three specialty hospitals in northern India, says the
medical industry is banding to-gether to improve its image. The Indian
Healthcare Federa-tion, a group of about 60 hospitals, is developing
accreditation standards. In the U.S., organizations such as the Joint
Com-mission on Accreditation of Healthcare Organizations, based in
Oakbrook Terrace, Illinois, assess infection rates, the width of
hospital corridors and the capacity of elevators. In India, there�s no
accreditation, and hospitals aren�t required to pro-vide information on
the outcomes of treatments. �There is nothing as far as quality
standards go,� says Vishal Bali, 36, vice president of operations at
Wockhardt Hospitals Ltd., which is owned by founders of Indian drugmaker
Wockhardt Ltd. �Hospitals keep data, but they don�t need to share it.�

Escorts� Web site lists only the number of procedures it has performed.
Trehan, Escorts� founder and executive director, says the hospital had a
mortality rate of 0.8 percent and an infection rate of 0.3 percent in
2003. That compares with an observed mortality rate, or the rate of
actual deaths, of 4.77 percent for heart valve surgery or coronary
artery bypass sur-gery that included heart valves at New
York�Presbyterian Hospital from 2000 to 2002, according to a New York
State Department of Health report.


India competes for foreign patients with Malaysia, Singa-pore and
Thailand and offers less in some areas, says Guy El-lena, director of
the health and education department at Washington-based International
Finance Corp., the private lending unit of the World Bank. He says
Thailand�s airports and roads are in better shape than India�s because
Thailand is a major vacation destination. In 2003, 10 million tourists
traveled there, according to the Tourism Authority of Thai-land�s Web
site. That was more than triple the number for India that year.

Bumrungrad Hospital Pcl, which runs Bumrungrad Hospital in Bang-kok,
started courting overseas pa-tients during the Asian economic crisis in
1997 as the devaluation of the baht drove down costs for visi-tors. That
year, Bumrungrad treated 50,000 foreigners, says Curtis Schroeder, the
hospital�s CEO. It handled seven times as many in 2004, accounting for
35 per-cent of its patients, he says. Last year, Bumrungrad hosted 150
Indian delegations, including one led by Wockhardt�s Bali, showing them
intensive care units, recovery rooms and the Starbucks cafe in the
lobby. 

�The focus on international India$8,00069,00069,000Healthy discounts
Bypass surgery in Indiacan cost less than one-tenth of the U.S.
price.Coronary artery bypassBone marrow transplantLiver
transplantSources: Apollo Hospitals,
MedicareU.S.$98,34678,399107,580�For a minute, I thought, �What have I
done?�� an American who went to India for surgery recalls.

Bloomberg Markets March 2005 patients screams at you,� Bali says. �They
have interpreters and instructions in multiple languages: Arabic,
Bengali and Spanish. What it shows is that convenience offsets most
other things for an international patient.�

Indian hospitals are countering with perks of their own. Escorts
representa-tives met Staab and Grace at New Delhi�s Indira Gandhi
International Airport, helped them through immigration and drove them to
the hospital in a Toyota van. Their room was stocked with fruit and
drinks. �They had a car waiting and all these people helping,� Grace
says. �I felt like Princess Di.� After surgery, Es-corts loaned Staab
and Grace a mobile phone so they could stay in touch once they left the
hospital.

Foreign patients are still far from the norm. Operations on non-Indians
ac-counted for 10 percent of the more than 4,000 surgeries at Escorts in
2003. Vijay Bose, who operated on Crombie, has performed about 300 hip
resurfacings in India since 2000�30 of them on foreigners. Crombie paid
a total of �5,000 for his India trip, including the operation, airfare
and a stay at the $130-a-night Park Hotel in Chennai. �The care from Dr.
Bose and his team, right down to the nurses, was very good,� Crombie
says.
Foreign surgeries will pick up as rising health costs and long waiting
lists provide incentives to travel to India and its low-priced rivals,
Trehan predicts. In the U.S., health-related spending climbed 7.6
percent to $1.68 trillion in 2003, con-suming almost 15.3 percent of the
$11 trillion gross domestic product. It was the fifth consecutive year
that the cost of medical care expanded faster than the economy, fueled
by rising hospital bills, the Baltimore-based Centers for Medi-care and
Medicaid Services reported in January. U.S. employ-er-paid health
insurance premiums have soared 59 percent since 2000, according to the
Henry J. Kaiser Family Founda-tion and the Health Research and
Educational Trust, non-profit groups that study medical care. In 2004,
premiums averaged $9,950 for families and $3,695 for individuals, the
groups found.

In the U.K., the waiting list for the government-funded National Health
Service prompts some patients to look else-where. Last year, the lag
averaged less than nine months for surgery, about half the 18 months in
1997. Unlike Crombie, who chose India after deciding not to pursue an
operation through the National Health Service, Ian Brown, 57,
discov-ered India by accident. In July, Brown, a director at Harrogate,
England�based electronics company Surevision Ltd., suffered chest pain
and went to his local doctor. The National Health Service told him he�d
have to wait as long as four months for a test and then, if required,
two years for an angioplasty to open blocked arteries, he says. On
vacation in India in September, Brown experienced chest pain again and
was rushed to Wockhardt Hospital in Bangalore. Wockhardt performed an
angioplasty the next day, inserting a wire mesh tube called a stent to
prop open an artery.
�The hospital could have been in London,� Brown recalls. �It was
immaculately clean and had good standards.� Back in England, Brown says,
he got a letter from the National Health Service in November asking him
to come in for his initial test�two months after he�d had the surgery in
India.
Not everyone is enthusiastic about In-dia�s push to become a health care
desti-nation. �I�m not sure Indian hospitals should start focusing and
investing huge amounts of money on treating overseas patients,� IFC�s
Ellena says. �They should first, or in parallel, meet the needs of the
country.�
In India, insurance plans cover 14 per-cent of the more than 1 billion
people, leaving almost 900 mil-lion without protection, according to the
McKinsey-CII report. As many as 350 million people live on less than $1
a day, according to the World Bank. India spends 5.2 percent of its $580
billion GDP on health care and still lags behind Thai-land, Brazil and
South Korea in life expectancy. People live 61 years on average in
India, less than 68.9 years for a develop-ing country such as Brazil and
77.3 years for a developed country like the U.S., according to the World
Health Organiza-tion. India has 91 infant deaths per 1,000 births
compared with 38 deaths for Brazil and eight for the U.S.

Charging foreigners more than Indians is one way hospi-tals can make
money to treat the poor, says Gautam Kumra, a McKinsey & Co. partner in
New Delhi. An echocardiogram machine, used to picture the heart, costs
about $200,000 anywhere in the world. Doctors can charge $800 per scan
in the U.S.; in India, they charge 800 rupees, or $18, Trehan says. The
difference makes it tough to recoup costs. �Why are hospitals so excited
about overseas patients?� Kumra asks, pointing out that there are more
than enough Indians to fill the nation�s hospitals. �It�s not that they
can�t get volumes in India. What they can�t get is pricing. They should
charge for the value.�
Fortis Healthcare plans to do just that. The company is set-ting up two
hospitals on the outskirts of New Delhi. One will cater to overseas
patients and charge them higher prices, says Harpal Singh, who adds the
hospitals haven�t set fees yet. For-tis is owned by brothers Malvinder
and Shivinder Singh, who control India�s largest drug company, Ranbaxy
Laboratories Ltd. Harpal Singh is Malvinder Singh�s father-in-law.

One imbalance that works in India�s favor is its lower sal-aries. A top
cardiac surgeon in India makes about $330,000 a year compared with $5
million in the U.S., says Anupam Sibal, director at Apollo Hospital New
Delhi. Cheaper pay and lower hospital fees make India hard to beat for
health care costs, Trehan says. �For countries with problems with
Vital signs Shares of Apollo Hospitalshave gained amid expectations it
will treat more patients from overseas.275250225200175Source:
BloombergApollo Hospitals Enterprisestock price, in
rupees�041/21/11DNOSAJJMAMFJ�05J
their health care systems�whether quality, cost, quantity�India can fill
the gap,� he says.
Foreign patients started traveling to India in rising num-bers five
years ago, as word of hospitals such as Apollo and Escorts spread among
the 20 million people of Indian origin who live outside the country.
Others tried India because they felt comfortable with Indian doctors,
Wockhardt�s Bali says.

Some Middle Eastern patients began choosing India after the Sept. 11,
2001, attacks on New York and Washington, says Suneeta Reddy, 45,
director of finance at Apollo Hospitals and daughter of founder and
Executive Chairman Prathap Reddy, 71. In November, Waleed Khalid
Al-Zadjali, 40, a doctor in Oman, picked Apollo for his father�s
angioplasty and his mother�s knee replacement. Oman hospitals often
refer patients to India for complicated procedures because the country
is familiar, closer than the U.S. or Europe and cheap, he says. �After
9/11, people were scared to go to the U.S.,� he says.

Indian doctors are returning, too. Bose learned hip resur-facing at the
University of Birmingham in the U.K. in the mid-1990s. He moved back to
India in 2000 and is one of the first doctors to offer the procedure in
his home country.

Trehan, who was educated in India, began his medical practice in the
U.S. He got his bachelor�s degree in medicine and surgery from King
George�s Medical College in Lucknow in northern India. After graduation
in 1969, he left for the New York University School of Medicine. He
finished his res-idency in 1977 and stayed on as part of the faculty and
to per-form heart surgery. In 1982, he began thinking about opening a
heart institute in India.
�I used to get a lot of Indian patients in New York, and they asked me,
�Why don�t you do this in India?�� he says. He sent a proposal to six
Indian business groups. The New Delhi�based Nanda family, which owns
farm and construction equipment maker Escorts Ltd., helped with an
initial investment of 170 million rupees in cash and loans, Trehan says.

Trehan opened the heart hospital in 1988; today, it per-forms more than
4,000 operations a year. Trehan has trained 40 surgeons and serves as
president of the International Society of Minimally Invasive
Cardiothoracic Surgery, a Beverly, Massachusetts�based group with a
thousand members worldwide.

Escorts� white, six-story building with its green-tile para-pets stands
out on the corner of an intersection where shop-pers dodge bicycle
rickshaws and taxis. People jam the lobby, which has white-marble floors
and black-granite counters. Seventeen patients are listed for operations
on a December morning. In one operating room, doctors crowd around a man
who has been in surgery for more than four hours. In another darkened
theater, a surgeon sits four feet from the operating table. He bends
over a console to view a three-dimensional image of the heart, working
two joysticks that control robotic arms. Trehan says the machine lets
surgeons make small cuts, reducing infection rates and recovery time.
�Heart surgery was not even known in this part of the world when I
started,� he says.

Trehan, in light-blue surgeon�s clothes, sits at a desk clut-tered with
papers. Five computer monitors on a shelf behind him display patients�
vital signs. A lifetime achievement plaque from the Geriatric Society of
India lies on a coffee table. Surgeons line up to ask advice, charts in
hand. He barks orders, and they turn around, stooping their shoulders as
they go.
Having accomplished what he set out to do with Escorts, Trehan is
planning a multispecialty hospital in Gurgaon, on the outskirts of New
Delhi, that�s patterned on the Cleveland Clinic in Ohio and the Mayo
Clinic in Rochester, Minnesota. He wants to meld western medicine with
homeopathy and the practice of ayurveda, a holistic approach that
balances a person�s physical and emotional states. He expects the
hospi-tal to be ready in 2007 at a cost of $250 million. He says he�s
wrapping up funding and declined to provide more details.

Staab, the North Carolinian, says Trehan�s early work in the U.S.
convinced him to choose Escorts. Even so, it wasn�t an easy decision.
Staab�s initial thought when he heard about India was that calls to his
local phone company were an-swered there. Apart from that, he and Grace
liked Indian food. �We kept trying to build confidence in our
decision,�� Grace says.
They looked into a package deal for about $40,000, in-cluding surgery,
fees and the hospital stay, at the McAllen, Texas�based McAllen Medical
Center. They considered Ar-gentina. Grace�s son, Brian Maxwell, 23, a
second-year stu-dent at Stanford University School of Medicine in
Stanford, California, proposed India, where he�d spent eight weeks
working in hospitals. His professor, Sakti Srivastava, director of
anatomy and surgery applications, recommended Escorts.

Staab was rolled into Escorts� operating room on Sept. 28. Grace, who�d
picked up a smattering of Hindi, wrote dhan-yavaad, for thank you, on
his bare chest with purple marker. The surgeons first decided to repair
Staab�s mitral valve. A day later, the valve walls thickened and
obstructed blood flow. Staab went in for a second operation on Sept. 30,
and doctors replaced the valve. He was ready to leave on Oct. 8 when
blurry vision from suspected blood clots kept him for another two days
to thin his blood. Staab and Grace returned to the U.S. on Oct. 24.

Grace says finding out about India was the tough part. If not for
Srivastava, she and Staab never would have figured out where to look,
let alone gather the courage to make the
Doctors can charge $800 per scan in the U.S.; in India, they charge 800
rupees, or $18, Trehan says. �I was worried I couldn�t get clean or I
would have to eat something rotten,� Grace says. �There has to be more
done to get someone to India in comfort. You can�t just get up and go.�
She says better access to information about India and its hospitals
would have helped.

Crombie was familiar with India, where his job had taken him to recruit
workers in Cochin, Mumbai and New Delhi. He found Bose on the Internet
and checked his credentials with doctors Bose had worked with in the
U.K. He decided on India after e-mail exchanges persuaded him that hip
resurfacing rather than hip replacement would give him a better shot at
playing golf again. �I can imagine someone who�s not been to India
before may find it intimidating,� Crombie says.

Indian hospitals are working to make the transition easi-er. Trehan
wants to build a hospital in the Bahamas staffed by Indian doctors so
travel would be shorter and the surround-ings more familiar for U.S.
patients. So far, there are no back-ers, he says. Apollo is setting up a
London clinic to attract people seeking alternatives to the National
Health Service. �A doctor would look at them, find the problem and make
all ar-rangements to get them to India,� Suneeta Reddy says.

Back in North Carolina, Staab had an opportunity to com-pare health care
in the U.S. with his treatment in India. An early November checkup found
that his blood was still too thick, and he entered Durham Regional
Hospital. Grace says she had to ask for sheets to make Staab�s bed and
get him water herself. The bathroom wasn�t cleaned, and they had to ask
twice for the intravenous bag containing blood-thinning heparin to be
changed when it became empty. Carol Clayton, senior public relations
specialist at Durham Regional, says the hospital addresses patient
concerns as soon as they are brought to the staff�s attention.

�The care at Escorts was exceptional,� Staab says. �I would do it
again.�
Crombie echoes Staab�s assessment. He says his colleagues were skeptical
about India. Now, they�re asking about Bose and the hospital.
Just as Indian software companies started with small pro-gramming jobs
and expanded to become a $16 billion global industry, India�s
international health care initiative is in its early stages. For
patients and profits to increase, India must remedy negative first
impressions and persuade doubters that millions of the country�s poor
and ailing won�t be left behind.�
ABHAY SINGH is a senior writer at Bloomberg News in New Delhi. MRINALINI
DATTA covers the Indian drug industry in New Delhi. With additional
reporting by CAREY SARGENT in London and KRISTEN HALLAM in
[EMAIL PROTECTED]@bloomberg.net
India6187/95$803.1%Double standard Hospitals in India are attracting
patients fromthe West, even as India�s own public health care system
lags.Life expectancy* (years)Child mortality per 1,000 births*
(male/female)Health spending per capita**Percentage of government
spending on health***2002. **2001. Source: World Health
OrganizationU.S.77.39/7$4,88717.6%






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