Insurance & Cashless Services

Hassle-Free Cashless Insurance Support

At Aditya Hospitals, we understand that managing insurance during a medical emergency can feel overwhelming. Our dedicated insurance and TPA support team helps patients and their families navigate the cashless hospitalization and claim process with greater ease and clarity.

Our Insurance & TPA Partners

Aditya Hospitals is associated with multiple insurance companies and Third-Party Administrators (TPAs) to facilitate cashless treatment for eligible patients.

Insurance / TPA Partners include:

We are Empaneled with

We are empanelled with all major insurances, TPA’s, CGHS, ESI, Government companies and Corporates in india, and we offer cashless treatments

Cashless facility is subject to the patient’s policy terms, insurer/TPA approval, hospital empanelment and applicable conditions.

Cashless Hospitalization

Cashless hospitalization allows eligible insured patients to receive treatment at Aditya Hospitals without paying the entire approved hospitalization amount upfront.

How Cashless Hospitalization Works
  1. Insurance Details: Provide your insurance policy/card and identification documents at the hospital.
  2. Pre-Authorization: The hospital submits a cashless pre-authorization request to your insurance company/TPA.
  3. Approval: The insurer/TPA reviews the request and communicates the approved amount.
  4. Treatment: Once approved, treatment is provided as per medical requirements and policy coverage.
  5. Final Authorization: At discharge, the final bill is submitted for approval.
  6. Discharge: The insurer/TPA settles the approved amount directly with the hospital. Any non-covered expenses, deductibles or exclusions are payable by the patient.

Please note: Cashless approval depends on your insurance policy, coverage, eligibility and authorization from the insurer/TPA. Cashless treatment does not necessarily mean that all expenses are covered.

Insurance Claim Process

For Planned Hospitalization

  • Contact our insurance desk before admission.
  • Carry your insurance card/policy details and valid ID proof.
  • Complete the required insurance forms.
  • The hospital submits the pre-authorization request.
  • Await approval from the insurer/TPA.
  • Proceed with admission and treatment after necessary authorization.

For Emergency Hospitalization

  • Seek immediate medical attention without delaying treatment.
  • Inform the hospital insurance desk as soon as possible.
  • Provide insurance and identification documents.
  • The hospital initiates the authorization process with the insurer/TPA.
  • Further documentation and approvals are completed as required.

Documents Required

Patients may be asked to provide:

  • Health insurance card / e-card
  • Insurance policy details
  • Government-issued photo ID
  • Doctor’s consultation or referral documents
  • Previous medical reports, if applicable
  • Prescriptions and diagnostic reports, if required
  • Employer/TPA details, where applicable
  • Duly completed and signed insurance forms
  • Any additional documents requested by the insurer/TPA

Keep your original documents and additional medical records available when required.

FAQ's

What is cashless hospitalization?

Cashless hospitalization is a facility where the insurer/TPA settles the approved eligible hospitalization expenses directly with the hospital, subject to policy terms and authorization.

Cashless treatment may be available if your insurance company/TPA is associated with the hospital and your policy provides the required coverage. Approval is subject to insurer/TPA authorization.

Not necessarily. Expenses that are not covered under your policy, including applicable deductibles, exclusions, co-payments, non-medical expenses or amounts exceeding the approved limit, may need to be paid by the patient.

If cashless authorization is declined, you may still be able to proceed with treatment and submit the eligible expenses to your insurer for reimbursement, depending on your policy terms.

Emergency treatment can be initiated based on the patient’s medical condition. The insurance authorization process can then be initiated as soon as the required information and documents are available.

Cashless hospitalization is a facility where the insurer/TPA settles the approved eligible hospitalization expenses directly with the hospital, subject to policy terms and authorization.

Carry your insurance card/e-card, valid ID proof, policy details and relevant medical records. Additional documents may be requested depending on the insurer/TPA.

Our dedicated insurance/TPA support team can guide you with documentation, pre-authorization and claim-related coordination during your hospitalization.