Cashless hospitalisation means as a policyholder, one will be able to avail medical services at designated hospitals and bills will be settled through TPAs (third party administrators) rather than direct out-of pocket-payment

We have a tie-up with the leading health insurance companies which help in providing you with cashless and hassle-free hospitalisation. These companies have been our long-time partners and trust us to provide the best of service. We have in-house TPA desk to assist you in processing your cashless request.

In the case of a planned admission, you would have first consulted a doctor who in turn would have advised you on the probable date of hospitalisation. In such a case, you must apply for approval of the estimated hospital expenses directly by your TPA at least 4-5 days prior to the date of hospitalisation.

In case you have not applied for pre-authorization sufficiently in advance or if the doctor treating you advises you to get hospitalised immediately after the consultation, our TPA Help Desk (Phone: 022-6157 8300 Ext. 1101) will assist you through the pre-authorization procedure.

However, the TPA Help Desk is only a facilitator and can in no way influence the decision on the approval. Your TPA may not grant approval due to any of the following reasons:

If the ailment for which you are hospitalised is not covered in your policy.

If the information contained in the pre-authorization form is insufficient to approve the request, though most of the time the TPA will request the hospital if additional information is needed.

If you have exhausted the sum assured for that year.

The pre-authorization procedure is detailed below:

Step 1: Establish contact with the TPA Help Desk at the hospital

Step 2: At the TPA Help Desk, you need to present the original Health Insurance card issued to you by your TPA

Step 3: Collect the pre-authorization forms pertaining to your TPA

Step 4: Your pre-authorization form will have two sections-

General details on the health insurance policy – to be filled in by you (the TPA Desk will assist you in case you have any difficulty)

The treatment recommended for you to be filled in and duly signed by the doctor who is treating you (Do not attempt to fill this section, contact the TPA Desk in case of any difficulty)

Step 5: Return the completed form to the TPA Help Desk. The personnel at the desk will verify the form for its completeness and let you know in case of any discrepancy

Step 6: Once the form is complete in all respects, the TPA Help Desk will fax/mail the form to the office of your TPA.

Step 7: The TPA Help Desk will revert to you on the approval/denial status

Step 8: At the time of admission, you shall be required to make a deposit payment of Rs.5000/- will be refunded after final payment received from TPA

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