In case of a planned admission, you would have first consulted a doctor who in turn would have advised you on the probable date of hospitalization. In such a case, you must apply for approval of the estimated hospital expenses directly by your TPA at least 4-5 days before the date of hospitalization. In case you have not applied for pre-authorization sufficiently in advance, or if the doctor treating you advises you to get hospitalized immediately after the consultation, our corporate Help Desk (Phone:_ 0291-2745678 /2740740) will assist you through the pre-authorization procedure. However, the Corporate Help Desk is only a facilitator and can in no way influence the decision on the approval. Your TPA may not approve your form due to any of the following reasons:

1. If the ailment for which you are hospitalized is not covered in your policy.
2. If the information contained in the pre-authorization form is insufficient to approve the request, though most of the time the TPA will request the hospital if additional information is needed.
3. If you have exhausted the sum assured for that year.

Step 1: Establish contact with the Corporate Help Desk at the Hospital.

Step 2: At the Corporate Help Desk, you need to present the original Health Insurance card issued to you by your TPA.

Step 3: Collect the pre-authorization forms of your TPA.

Step 4: Your pre-authorization from has two sections-General details on the insurance policy- to be filled by you (the Corporate Desk assists you in case you have any difficulty).The Treatment recommended for you to be filled in and duly signed by the doctor who is treating you (Do not attempt to fill this section, contact the Corporate Desk in case of any difficulty)

Step 5: Return the Completed form to the Corporate Help Desk. The personnel at the Desk will verify the form for its completeness and let you know in case of any discrepancy.

Step 6: Once the form is complete in all respects, the Corporate Help Desk faxes the form to the office of your TPA.

Step 7: The Corporate Help Desk reverts to you on the approval/denial status.

Step 8: At the time of admission, you shall be required to make a deposit payment of Rs.5000 which shall be refunded post-discharge, subject to completion of all formalities.

In an emergency hospitalization, the important thing is to get the patient treatment at the earliest. The Corporate Help Desk takes up your case on a fast track basis with your TPA and is likely to receive approvals within 6 hours during any working day.

Step 1: Show your health insurance card and fill in the pre-authorization form.

Step 2: The Corporate / TPA desk in the hospital will fast-track the process for your cashless process but in case you cannot wait for the approval, you can pay the deposit demanded by the hospital and start the treatment and get your expenses reimbursed later on from TPA.

Step 3: Generally the time taken to process an emergency case is 6 hours, but varies from one to other insurance company / TPA. You need to follow up with the TPA to know the status of Your request.

Settle the difference, if any, if your bill exceeds the designated insurance amount.

• Check all the bill and prescriptions for any medicine that is billed about not administered to you.
• Note the total amount of the bill for your records for further purpose.
• Submit all the medical documents including the lab reports, claim forms, discharge summary and final bill of the hospital before being discharged.

This hospital then submits all necessary documents to TPA. TPA processes the bill by eligibility and actual cost. TPA makes the claim payment to the hospital or patient (as per the policy terms and actual cost). You shall, then, be refunded the deposit amount of Rs.5000 with deduction if any.