Insurance & mediclaim
Seventeen insurers and TPAs are empanelled with us for cashless treatment. Our staff deal with the insurer so that you do not have to.
Who we accept
If your insurer is not on this list, you can still be treated here and claim afterwards – see reimbursement below.
- ICICI Lombard
- Paramount Health
- SBI General
- Reliance
- Liberty
- FHPL
- Vision TPA
- Star Health
- Navi
- Medi Assist
- Tata AIG
- Niva Bupa
- Chola MS
- HDFC ERGO
- IFFCO-TOKIO
- Aditya Birla
- Ericson TPA
Cashless, step by step
Cashless means the insurer settles the hospital bill directly. You pay only what your policy does not cover.
Bring your policy details
Your insurance card or policy number, and a photo ID. Bring them to the first appointment, not on the day of admission – it gives us time.
We raise the pre-authorisation
Our staff send the insurer the treatment plan and estimated cost. This is the step that takes time, which is why starting it early matters.
The insurer approves
Approval usually comes back within a day or two for planned surgery. In an emergency it is raised after admission – treatment is never delayed waiting for it.
You are admitted and treated
No payment to us for the approved amount.
Final bill on discharge
The insurer settles the approved amount directly with the hospital. You pay any excess, co-payment or non-covered items.
If your insurer is not listed
You can still be treated here. You pay the hospital and then claim the cost back from your insurer yourself – reimbursement rather than cashless.
We will give you the complete file your insurer will ask for: itemised bill, discharge summary, investigation reports and the operating note. Keep every original.
What insurance usually does not cover
Policies differ, so check yours – but most exclude registration and admission charges, items you take home, and treatment within a waiting period after the policy started.
Many policies also apply a co-payment, where you pay a fixed share of the bill. It is worth knowing your own figure before admission rather than at discharge.
Frequently asked
Can I use cashless in an emergency?
Yes. In an emergency you are treated first and the pre-authorisation is raised afterwards. Nobody at this hospital waits for an insurer before receiving emergency care.
How long does approval take?
For planned surgery, usually one to two working days once the insurer has everything. Delays are almost always caused by missing documents at the start, which is why we ask for your policy details at the first appointment.
Will I have to pay anything at all?
Usually something. Co-payment, non-medical items and anything above your approved limit are yours to pay. We will tell you the expected figure before admission rather than surprise you at discharge.
What if the insurer refuses?
It happens, most often over waiting periods or a pre-existing condition clause. If it does, we give you the full documentation to appeal, and you can proceed as a reimbursement claim or self-paying patient.
Start the paperwork early
Bring your policy details to the first appointment. It is the single thing that most often decides whether cashless is ready in time for surgery.
