Whether the hospital settles your bill directly (cashless) or you pay first and claim later (reimbursement) — here's exactly what happens, step by step.
For planned admissions, start this 2-3 days in advance. For emergencies, the hospital's insurance desk can begin this on arrival.
Choose a network (empanelled) hospital for your insurer.
Present your health card & photo ID at the hospital's Insurance Desk.
Hospital submits a pre-authorisation request to your insurer / TPA.
Approval usually within 2-6 hours for planned care, immediate for emergencies.
You receive treatment — the insurer pays the hospital directly.
Hospital sends the final bill to the insurer before discharge.
You pay only non-covered amounts (like excluded consumables).
Retain the discharge summary, bills and prescriptions.
Hover over a card for why it's needed. Keep digital copies of everything.
Proof of coverage
Identity verification
Medical justification
Blood tests, X-rays, scans
For final settlement
Treatment summary
Proof of approval
Provided by hospital/TPA
If you have a chronic illness
If referred by another doctor
Quick, straight answers to what people ask us most.
Use this process if you were treated at a non-network hospital, or if a cashless request wasn't approved in time.
At any hospital — network or non-network.
Call within 24 hours of an emergency, or 48-72 hrs before a planned admission.
Pay the bills yourself during hospitalisation.
Gather every bill, report and discharge summary.
Complete the reimbursement claim form from your insurer/TPA.
Submit within 15-30 days of discharge — check your policy.
Claims team scrutinises documents — typically 7-15 working days.
Approved amount is credited to your registered bank account.
Hover over a card for why it's needed. Keep digital copies of everything.
Insurer's reimbursement form
Proof of payment
Medical justification
Treatment summary
Lab, radiology, etc.
Proof of coverage
Identity verification
For NEFT transfer
Up to 30-60 days prior
Up to 60-90 days after
Quick, straight answers to what people ask us most.
Whether you're about to be admitted or already navigating a claim, our advisors can guide you through the process and follow up with the insurer on your behalf.