Does cashless hospitalisation mean I can just walk into a hospital and get admitted for treatment free of cost?
First, you need to be clear that there is no free treatment. It is just that, in the case of a cashless hospitalisation, the insurance company will bear the cost of treatment either fully or partially on your behalf.
Cashless hospitalisation is a facility provided by most health insurance policies and enables an insured customer to obtain admission and undergo the required treatment without a direct payment. The assigned TPA will mediate between the healthcare service provider (hospital) and the insurance company and settle the bills on behalf of the insured customer.
MD India Heath Services (Tpa ) Pvt.Ltd.
Medi Assist India Tpa Pvt.Ltd.
Paramount Health And Services (TPA) Pvt.Ltd
Star Health And Allied Insurance Company Ltd.
Bajaj Allianz General Insurance Company Ltd.
Chola Ms General Insurance Company Ltd.
Ciga TTK Health Insurance Co Ltd.
Dedicated Health Care Services TPA (India ) Pvt.Ltd (DSH).
Medicare TPA Service(I) Pvt.Ltd.
Family Health Plane (TPA) Ltd (FHPL).
Religare Health Insurance Co .Ltd.
HDFC ERFO GENRAL INSURANCE CO. LTD.
Heritage Health Insurance TPA Service S PVT. Ltd .
Spurthi Medio Tech TPA Solution Pvt Ltd.
Ericson TPA Healthcare Pvt Ltd.
Genessis TPA Pvt Ltd.
Hospitalisation happens under two circumstances – Planned and Emergency. Pre-authorisation of the estimated hospital expense is a must to avail this facility.
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 have applied for an approval of the estimated hospital expenses directly with your TPA at least 4-5 days prior to the date of hospitalisation.
In case you have not applied for a pre-authorisation sufficiently in advance or if the doctor treating you advises you to get hospitalised immediately after the consultation, our Corporate Help Desk will assist you through the pre-authorisation procedure.
However, you will need to bear in mind that the Corporate Help Desk is only a facilitator and can in no way influence the decision on the approval. The approval can be turned down.