Cashless Insurance Step By Step Approval Process

Documents Required for Cashless Request:

1. Patient’s insurance card.

2. Primary policyholder’s insurance card (if the patient is a dependent).

3. Patient’s Aadhar card & PAN Card.

4. Primary policyholder’s Aadhar card (if the patient is a dependent).

5. Previous treatment records such as OP books.

6. Diagnosis reports (if any tests have been taken).

Cashless Request Approval Process:

Cashless requests involve a two-step approval process.

Step 1: Pre-authorisation / Initial Approval:

1. Inform the insurance desk about your admission and submit the required documents.

2. The insurance desk will send the documents along with an estimated cost to the insurance provider.

3. The insurance provider will review the documents and grant initial approval. Please note that this is not the final approval, and the approved amount may change during the final approval process based on the final bill.

Step 2: Final Approval:

1. Once the doctor advises discharge, nurses will initiate the discharge process.

2. The patient or their attendant must clear any outstanding bills on non-claimable expenses.

3. After settling non-covered charges, the insurance desk will prepare and send the final bill to the insurance provider.

4. The insurance provider will review and approve the final amount, a process that typically takes 1 to 4 hours based on the insurance provider / TPA.

5. Once final approval is received, the patient must clear any pending balance before discharge as per the policy terms.