How Does Cashless Hospital Treatment Work From Admission to Discharge?

1. Planned Hospitalization (48 Hours Prior)

1. Choose a hospital in your insurer's active network list.
2. Visit the hospital's Insurance / TPA Helpdesk at least 48 to 72 hours before planned admission.
3. Submit your Health E-Card, Policy Copy, Doctor Prescription, and Diagnostic Reports.
4. The hospital submits the Pre-Authorization Request Form to the insurer/TPA.
5. The insurer issues an Initial Cashless Approval letter within 2 to 4 hours stating the authorized sum.

2. Emergency Hospitalization (Within 24 Hours)

In case of sudden illness or accident, show your Health Card at admission. The hospital submits emergency pre-authorization within 24 hours of admission for cashless approval.

3. Final Discharge & Non-Medical Deductions

At the time of discharge, the hospital sends the final itemized bill to the insurer for final authorization. Policyholders only pay for Non-Medical Items (e.g. gloves, masks, registration fee, food charges) unless an add-on cover (like Consumables Cover) is attached.