Insurance & TPA

A TPA is an IRDAI-licensed company that acts as an intermediary between your insurance provider and the hospital. They handle pre-authorisation, claim processing, and cashless settlement on behalf of your insurer — so you don't have to deal with insurance paperwork during hospitalisation.

Check the panel list above or contact our TPA helpdesk at +91 44 2234 5678. You can also refer to your policy document for the insurer's network hospital list, or call your TPA helpline directly. We are empanelled with all major private, PSU, and government insurers.

Coverage depends entirely on your individual policy. Pre-existing conditions with waiting periods, cosmetic procedures, certain elective surgeries, and specific exclusions listed in your policy may not be covered. We strongly recommend verifying your coverage with your insurer before scheduled admission.

You can opt for the reimbursement route — pay the hospital bills at the time of discharge and submit the original bills, discharge summary, and required documents to your insurer after discharge. Our billing team will prepare and provide all necessary documentation to support your claim.

For emergency admissions, approval is typically issued within 30 to 60 minutes. For planned or elective admissions, the process may take 2 to 4 hours or up to one full business day, depending on your insurer and the complexity of the treatment.

Most standard health insurance policies cover only inpatient hospitalisation requiring a minimum 24-hour admission. However, some premium policies with OPD riders do cover outpatient consultations, diagnostics, and pharmacy expenses. Please check your policy terms or speak with your TPA to understand your specific benefits.