Insurance Facilities in EMC

We provide comprehensive service to assist you with information and guidance in dealing with your health insurance providers during your stay in the hospital.

Scope of Services
Currently we are empanelled with some of the leading insurance companies and TPAs (Third Party Administrators) in India for cashless insurance claims.

Insurance Companies Empanelled
1. Aditya Birla Capital Health Insurance
2. Apollo Munich Health Insurance Co.Ltd
3. Bajaj Allianz Insurance Company Ltd.
4. Chola MS General Insurance
5. CignaTTK Health Insurance Co. Ltd
6. L & T Insurance
7. IFFCO TOKIO General Insurance Co.
8. ICICI Lombard General Insurance Co. Ltd
9. Future Generalli General Insurance
10. Max Bupa Health Insurance Co. Ltd.
11. SBI General Insurance
12. HDFC ERGO General Insurance
13. Religare Health Insurance Company Limited
14. Reliance General Insurance Co Ltd

List of Third Party Administrators Empanelled
1. Alankit Insurance TPA Ltd.
2. E- Meditek (TPA) Services Limited
3. East West Assist Pvt. Ltd.
4. Heritage Health TPA Pvt Ltd.
5. HealthIndia Insurance TPA Services Private Ltd.
6. Health Insurance TPA of India Ltd
7. MD India Health Insurance TPA Pvt. Ltd
8. Medicare Insurance TPA services (I) Pvt Ltd
9. Medsave Health Insurance (TPA) Ltd.
10. Paramount Health Services (TPA) Pvt. Ltd.
11 United Health Care Parekh Insurance TPA Pvt.Ltd.
12. Raksha Health Insurance TPA Pvt.Ltd.
13. Vipul MedCorp Insurance TPA Pvt Ltd.
14. Vidal Health TPA Pvt Ltd

We are also providing cashless facility for following PSU Clients:

1. GIPSA Staff policy for Employees & Retirees (4 PSU)
2. Punjab National Bank ( Retired Staff)
3. United Bank Of India ( Retired Staff)
4. State Bank of India ( Retired Staff)
5. Reserve Bank of India ( Retired Staff)

Facilities
Our main reception area has two separate desks for handling Cashless and Re-imbursement claims and our staff will assist you with information and guidance in dealing with your health insurance providers for processing your claims.

Note to patients on availing health insurance

• Documents required for Cashless facility
– Copy of Insurance Policy/TPA Id card
– Aadhar card and PAN card of the primary insured
– Photo ID card/Birth certificate of the patient (Insured person)
– Bank account details in case of reimbursement claims.
• Claim forms as per the IRDAI format are to be submitted. Part A of the same to be filled up and signed by the primary insured and Part B will be filled up and signed by the hospital.
• The claim has to be submitted within seven days from the date of discharge.
• In normal cases, pre-hospitalization bills for 30 days and post-hospitalization for 60 days can be claimed.
• Eligible room rent is 1% of the insured sum. If the insured opts for higher room than eligible, proportionate deductions will be made from the procedure charges.
• Non-medical expenses as per the IRDAI list will be deducted from the claim.
• Pre-authorization process can normally be completed in a day.
• In certain cases re-confirmation is required by the insurance provider prior to the final discharge process.
• Patients are requested to provide all details of their insurance plans at the time of admission to ensure a faster service.