Cashless Insurance, Handled for You
Treatment is stressful enough without paperwork. Our insurance and billing desk verifies your policy, files the pre-authorisation and follows the claim through to discharge, so you can focus on getting better.
Your Cashless Journey, Step by Step
Share Your Policy Details
Bring your e-card or policy number, a government photo ID and the doctor's advice for admission. Our desk verifies eligibility on the spot.
Pre-Authorisation Is Raised
We file the pre-authorisation request with your insurer or TPA. Planned admissions are usually approved within a few hours; emergencies are filed immediately after stabilisation.
Treatment Proceeds Cashless
Once approved, the approved amount is settled directly with the insurer. You pay only non-medical items, exclusions and any policy co-pay or deductible.
Discharge & Final Settlement
Our billing team prepares the final claim file, obtains the enhancement or discharge approval and hands you a clear, itemised summary.
Insurers & TPAs We Work With
Start typing to find your insurer or TPA in our empanelled list.
Empanelment and plan-level coverage change from time to time. Please confirm your specific policy and plan with our insurance and billing desk on 080 6792 7777 before a planned admission.
What to Carry for a Cashless Admission
- Insurance e-card or policy copy with the member ID
- Government photo ID (Aadhaar / PAN / passport) of the patient
- Doctor's admission advice and relevant prescriptions
- Previous reports or discharge summaries related to the illness
- Corporate ID card, if you are covered under an employer policy
- Completed and signed pre-authorisation form (our desk assists)
Insurance Assistance, Start to Finish
Our insurance and billing desk supports every step of a cashless claim, from checking your eligibility before admission to closing the final settlement at discharge. If your insurer or TPA is not empanelled, the same desk guides you through a reimbursement claim instead.
Two Ways Into Cashless Admission
Inform Us in Advance
- Share your policy and admission date at least 48 hours ahead where possible.
- Pre-authorisation is filed and usually approved before you arrive.
- You get a written estimate before admission, with exclusions explained.
Treatment First, Paperwork Alongside
- The casualty team stabilises the patient immediately, without waiting for approval.
- The insurance desk files pre-authorisation as soon as the family shares the policy details.
- If approval is delayed, an interim deposit may be requested and adjusted once the claim clears.
Pre-Authorisation, Enhancement and Discharge
Pre-Authorisation
Filed as soon as the treating doctor confirms the admission plan, with the estimated cost and diagnosis codes the insurer needs.
Enhancement
If treatment costs more than the initial approval, our desk raises an enhancement request with updated clinical notes so approval keeps pace with care.
Discharge Approval
The final bill is sent to the insurer for discharge approval before you leave, so you know your payable amount in advance.
Reimbursement Assistance
If your insurer is not empanelled with us, or you choose to pay directly, you can still claim later. Our billing desk provides the itemised final bill, discharge summary, investigation reports and duly filled claim form your insurer needs, and answers questions your insurer may raise during processing.
Cashless Insurance FAQs
Is cashless treatment available for emergency admissions?
Yes. Our emergency team stabilises the patient first, and our insurance desk files the pre-authorisation with your insurer or TPA immediately afterwards. Please share the policy e-card at the earliest so approval is not delayed.
What is not covered under a cashless claim?
Non-medical consumables, registration and attendant charges, dietary items outside the treatment plan, and any exclusions, waiting periods, co-pay or deductible defined in your policy are payable by you. Our desk explains the estimate before admission.
How long does pre-authorisation take?
Planned admissions are usually approved within a few hours of filing on a working day. Timelines depend on the insurer or TPA, so we recommend informing us at least 48 hours before a planned procedure.
My insurer is not on the list, can I still claim?
Yes. You can be treated on a reimbursement basis: pay the hospital directly, and we will provide the itemised bill, discharge summary, reports and claim forms your insurer needs.
What happens if my claim gets rejected?
Common reasons include policy exclusions, lapsed premium, incomplete documents or a mismatch between the diagnosis and the policy's waiting period. Our insurance desk reviews the rejection letter with you and helps you file an appeal or move to reimbursement where possible.
Which extension should I call for insurance and billing?
Call 080 6792 7777 and ask for the insurance and billing desk, or dial extension 416 or 415 once the call connects. For after-hours emergency admissions, the casualty team coordinates with the desk.
Planning an Admission?
Tell us your policy details and we will get the approval moving before you arrive.