Ayushman Bharat PM-JAY
Cover for hospitalisation for eligible families, with no payment at the counter for listed procedures.
Bring: Ayushman card, Aadhaar, ration card
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Insurance & cashlessYour insurance works here.
Cashless treatment with 29 insurers and TPAs, plus help with government schemes and reimbursement claims.
29Insurers & TPAs
4Government schemes
1 hrInsurer decision on cashless, by IRDAI rule
Cashless partners
29 insurers and TPAs
Shown under their current names. Bring your card, and call ahead if you are unsure your policy is covered.
Health insurers
network hospital, code 8900080328884
formerly Apollo Munich / HDFC ERGO Health
formerly Kotak Mahindra General
formerly Religare Health
formerly Max Bupa
formerly Cigna TTKThird-party administrators
Genins India Insurance TPA
Vipul MedCorp Insurance TPA
Cashless admission
Bring your card. We handle the rest.
Empanelled with 29 insurers and TPAs, so most policyholders pay nothing at the counter.
- 1Show your cardAt reception or the insurance desk.
- 2We apply for youPre-authorisation goes to your insurer.
- 3ApprovedUsually quicker for planned admissions.
- 4Insurer pays usYou pay only what the policy excludes.
Bring with you
- Insurance or TPA card
- Photo ID
- Policy number
- Previous reports
- Doctor’s advice note
In an emergency, come straight to casualty. Paperwork can follow.
Insurer not listed?
You can still claim it back
With any health policy, you can pay at discharge and claim reimbursement from your insurer. We give you every document the claim needs.
- Pay at dischargeSettle the final bill at the hospital.
- Collect your fileWe hand over the claim documents.
- Claim from your insurerUsually within 30 days of discharge.
Your claim file includes
- Final bill with itemised breakdown
- Discharge summary
- Investigation reports
- Prescriptions and pharmacy bills
- Payment receipts
Government schemes
Treatment under a government scheme
If you hold a scheme card, your treatment here may be covered in full. Our desk helps with the application.
Mahatma Jyotiba Phule Jan Arogya Yojana
The Maharashtra state scheme for listed surgical and medical procedures, for eligible ration-card holders.
Bring: ration card, Aadhaar, doctor’s referral
Charitable trust bed quota
Beds reserved under Maharashtra’s charitable hospital rules for indigent and weaker-section patients.
Bring: income certificate, Aadhaar, ration card
ESIC, CGHS and employer panels
Employee and central government health schemes, and company medical panels.
Bring: scheme card, employee ID, referral letter
Not sure which scheme applies to you?
Send us a photo of your card and our desk will tell you what is covered before you come in.
Insurance questions
What patients ask the insurance desk
What is the difference between cashless and reimbursement?
With cashless, your insurer pays the hospital directly and you pay only what the policy excludes. With reimbursement, you pay the hospital yourself and then claim the money back from your insurer using the documents we provide.
How long does cashless approval take?
IRDAI rules require insurers to decide on a cashless request within one hour, and to authorise final discharge within three hours of the hospital’s request. Planned admissions are usually the smoothest, because the paperwork can start before you arrive.
What will my policy not pay for?
Most policies exclude some non-medical items such as registration fees, toiletries and certain consumables. Room rent above your policy’s limit, co-payments and deductibles are also usually paid by you. The insurance desk will tell you the likely amount before admission.
Can I get cashless treatment in an emergency?
Yes. Come straight to casualty and treatment starts immediately. The insurance desk contacts your insurer while you are being cared for.
My insurer is not on your list. What can I do?
You can still be treated here and claim reimbursement. Pay at discharge, collect your claim file from us, and submit it to your insurer.
Do government schemes work the same way?
Schemes such as Ayushman Bharat PM-JAY and MJPJAY have their own process and documents. See the government schemes section above, or message the desk and we will guide you.
Not sure what your policy covers?Send a photo of your insurance card. We will tell you before you come.