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Cashless Facility

We provide cashless facility to the Mediclaim Policyholders. Having tie-up with major TPAs appointed by all insurance companies. We are on the panel of ISRO, ONGC, IPR, SBI etc.

Patient Insurance Information:

Cashless hospitalization is a facility provided by the insurers wherein the insured can get admitted and undergo the required treatment without paying directly for the medical expenditure. The medical expense, thus incurred, shall be settled by the company directly with the hospital. The Cashless claim facility can be obtained only at the hospital network the service provider has a tie-up with.

What is a Cashless hospitalization ?

Cashless hospitalization is a facility provided by the insurers wherein the insured can get admitted and undergo the required treatment without paying directly for the medical expenditure. The medical expense, thus incurred, shall be settled by the company directly with the hospital. The Cashless claim facility can be obtained only at the hospital network the service provider has a tie-up with.

What is a network hospital ?

Network Hospitals are those hospitals that your service provider has an agreement with. In case of hospitalization, if you get admitted to a Network Hospital you will be eligible for cashless hospitalization, subject to the other terms and conditions mentioned in your policy being fulfilled. In case you are admitted to a Non-network Hospital, you will have to settle the bills directly to the hospital and then seek re-imbursement through your service provider 

Procedure for obtaining cashless health care

At first the insured must select a hospital from their network tie-ups of their service provider. They must also check booklet of the hospital and also the website of their service provider for more information. They must also have a check on the latest updated list of the hospitals from the list of service provider.

Pre-Authorization Request 

Pre-authorization is basically an authorization issued either by the insurance company or the service provider, specifying the value of the medical treatment that can be claimable under their insurance policy. To receive a pre-authorization, you need to submit duly fill in the Pre-authorization form. 

Authorization

After the pre-authorization request has been sent by the hospital to the respective insurance / corporate, it takes a minimum of 24 hours for the hospital to get the approval or authorization for the patient's treatment. For planned surgery or treatment the hospital treat the patient, only after the approval from the insurance / corporate. Incase of emergency the patients are admitted and the same will be informed to the insurance / corporate at the earliest.

The Staff members of the Corporate relations department interact and coordinate with the respective insurance / corporate and companies for further clarification or explanation. After the approval from the insurance / corporate, the patient will be informed the same accordingly.

Treatment

Cashless hospitalization and treatment are provided to the patients only with approval of the company. Patients should sign necessary documents to facilitate claim processing for the hospital. Patients who don't get approval due to some reason stated by the insurance company are also treated under general patients category without Cashless hospitalization benefits.

Claim processing

Eye Care Hospital has developed a checklist of documents to be submitted for each insurance / corporate for immediate claim processing. This cashless facility available at Eye Care Hospital will create expeditious and hassle free facility for admission as it is recognized by all the insurance and leading corporate companies

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