Step-by-Step Guide
How Cashless Hospitalisation Works
From admission to discharge — what happens at every step of a cashless claim, and what to do if something goes wrong.
The Cashless Claim Process
1
Admit at a Network Hospital
Show your health card and ID at the insurance/TPA desk on admission.
2
Pre-Authorisation Request
The hospital sends a pre-auth request with estimated costs to the insurer or TPA.
3
Insurer Approval
The insurer reviews and approves the request, usually within a few hours for standard cases.
4
Cashless Discharge
The hospital settles the bill directly with the insurer — you pay only non-covered amounts, if any.
Planning a non-emergency admission?
Contact us 2-3 days before a planned procedure so we can confirm network hospital status and pre-authorisation requirements in advance.
Frequently Asked Questions
Need Help With a Cashless Admission?
Our claims desk can coordinate directly with the hospital and insurer on your behalf.