1. Cashless Hospitalisation Overview
To reduce financial stress during medical emergencies and planned hospitalisations, Aastha Hospital coordinates with leading Third-Party Administrators (TPAs) and health insurance providers to facilitate cashless medical treatment in accordance with policy terms and coverage limits.
2. Dedicated Insurance & TPA Helpdesk
Our dedicated Insurance / TPA Desk, located near the main reception lobby, provides end-to-end guidance to patients and families. Our coordinators assist you with pre-authorisation submission, query resolution, claim tracking, and final approval coordination with your insurer.
3. Step-by-Step Pre-Authorisation Process
For Planned (Elective) Hospitalisation:
- Visit the TPA Helpdesk at least 48 to 72 hours prior to your scheduled admission with your doctor's admission advice.
- Submit your health insurance e-card/policy copy, valid photo ID, and relevant pre-admission diagnostic reports.
- Our insurance desk completes the initial pre-authorisation request and transmits it to your TPA/insurance company.
- Upon receipt of initial approval (denoting eligible cashless coverage), admission is processed smoothly.
For Emergency Hospitalisation:
- Emergency medical stabilization is prioritized immediately without waiting for insurance paperwork.
- The patient's family should submit insurance documents to the TPA Desk within 24 hours of emergency admission.
- Our team submits an emergency cashless request to the insurer for urgent pre-authorisation.
4. Essential Documents Required
- Health Insurance Card / Policy Document containing the Policy Number.
- Government Photo ID Proof (Aadhaar Card, Voter ID, PAN Card) of the Patient and Primary Policyholder.
- Treating Consultant's Prescription and Admission Advice note.
- All recent investigative reports, pathology tests, and imaging scans related to the present illness.
- Employee ID Card (in case of corporate group insurance policies).
5. Reimbursement Claims Support
If your insurance provider does not offer direct cashless settlement at our facility, you can avail treatment on a direct-payment basis and submit a reimbursement claim post-discharge. Our billing department provides all necessary attested medical documentation, including itemized bills, payment receipts, discharge summary, diagnostic reports, and medical certificate forms required by your insurer.
6. Important Points for Patients to Note
- Cashless facility is subject to final approval and verification by your respective insurance company or TPA.
- Non-medical expenses (such as registration fees, personal toiletries, diet not covered by policy, and non-payable consumables) must be settled directly by the patient before discharge.
- Co-payment or deductible clauses in your policy remain the financial responsibility of the policyholder.