A provision of an insurance policy which requires an insured individual to turn over any rights he may have to recover damage from another party to the insurer, to the extent to which he has been reimbursed by the insurer. Some experts have argued that private health insurance (including Blue Cross or group insurance) should have subrogation rights similar to those in most property insurance policies, e.g., auto, fire. Having paid the hospital bill of a policyholder, the health insurance company could assume his right to sue the party whose negligence might have caused the hospitalization, and be reimbursed for its outlay to the policyholder. Subrogation rights could help insure prompt payment of medical expenses without duplication of benefits. (Refer to Michigan Hospital Service v. Sharpe, 339Mich. 357, 63 N.W. 2d., 638, 1954 for ruling on subrogation by Michigan Supreme Court.) Others respond that subrogation is time consuming, expensive and may not offer companies adequate protection against loss. Few insurers use it voluntarily and some insurance commissioners forbid its use.