Patients with Medical Insurance or Medical Reimbursement who will undergo daycare procedures or any eye surgery need to register by providing various details like name, age, ID number, policy number, nature of the illness, diagnosis and treatment details and estimated cost of the procedure or treatment. The patient also needs to declare the medical insurance scheme of the respective insurance company.
PRE- Authorization
Once the patient is diagnosed and the treatment is finalised, the insurance department will send the pre-authorisation request to the concerned Insurance/Corporate. It takes a minimum of 24 hours for the hospital to get the approval or authorisation for the patient’s treatment. For planned surgery or treatment the hospital will treat the patient, only after the approval from the insurance/corporate.
Insurance company will intimate the patient about the status via SMS. On receiving approval from the insurance company, patients can get admitted to the hospital. In case of emergency, the patient is admitted and the information will be shared with the insurance on the same day or on the next working day if the admission falls on a Sunday or a public holiday. . After the approval from the insurance/corporate, the patient will be informed the same accordingly.
Treatment
Only with the approval of the Company/Insurance, cashless hospitalization and treatment will be provided to the patient. Patients should sign the necessary documents to facilitate claim processing for the hospital. Patients who don’t get approval due to some reason stated by the insurance company are also treated under the general patients’ category without cashless hospitalization benefits.
In case the hospital does not receive this authorisation within 48 hours of admission and the patient is getting discharged, the patient must settle the hospital bill and claim reimbursement from their insurance provider.