Insurance & payment
Surgery is performed at accredited corporate hospitals in Hyderabad, and those hospitals hold empanelment with most major Indian insurers and third-party administrators for cashless hospitalisation. This page explains how the process works so nothing about the paperwork comes as a surprise.
Cashless or reimbursement
Cashless
Available when the operating hospital is in your insurer's network. The hospital obtains approval before admission and settles the covered amount directly with the insurer, so you pay only the uncovered portion at discharge.
Reimbursement
Used when the hospital is outside the network or when cashless was not arranged in time. You settle the bill and then claim from your insurer with the discharge summary, the itemised bill, payment receipts and the investigation reports. Keep originals.
Cover depends on your specific policy, not on the hospital. Confirming your sum insured, room-rent limit, waiting periods and co-pay with your insurer before a planned admission avoids most unpleasant surprises.
The pre-authorisation process
- 1
Consultation and advice
After the consultation you receive a written plan naming the procedure, the likely length of stay, and a cost estimate.
- 2
Pre-authorisation request
The hospital insurance desk sends the diagnosis, the planned procedure and the estimate to your insurer or TPA. You sign the request form.
- 3
Insurer response
For planned surgery a decision usually comes back within one to three working days. In an emergency, admission proceeds and authorisation is sought alongside.
- 4
Approval and admission
The insurer confirms an approved amount. Anything outside the policy - non-medical consumables, room-rent difference, deductibles or co-pay - is settled by you at discharge.
- 5
Discharge and final settlement
The hospital sends the final bill for enhancement if the stay ran longer than approved, and settles the covered portion directly with the insurer.
What to bring
- Insurance card or policy number, plus the TPA name if one is printed on the card
- A government photo ID (Aadhaar, passport or driving licence)
- Employer or corporate ID card, for group policies
- The surgeon's advice note and the diagnosis, which the hospital desk will request
- Previous investigation reports and scans that support the diagnosis
- For an existing condition, earlier prescriptions or discharge summaries
What policies commonly do not cover
Most policies exclude a defined list of non-medical consumables, the difference when you choose a room above your eligible category, out-patient consultations and investigations done before admission, and any deductible or co-pay written into your plan. Waiting periods can also apply to pre-existing conditions. The hospital desk will show you the expected out-of-pocket figure before admission.
Paying without insurance
Self-pay packages are available at each operating hospital, and you receive a written estimate covering the surgeon's fee, hospital and theatre charges, anaesthesia, and any implants or consumables before you commit. Indicative ranges for common procedures are in the cost guides.
Not sure whether your policy covers your procedure?
Bring your policy document to the consultation, or call +91 70324 76866 and the clinic will tell you what the hospital insurance desk will need. More answers are in the FAQ.