Insurance & Cashless Treatment
We are empanelled with government schemes and more than twenty private insurers, with a dedicated desk that handles the paperwork for you.
Government Schemes
Ayushman Bharat PMJAY, CGHS, ECHS, ESIC and the UP state health scheme — treated fully cashless within scheme entitlements.
Private Insurance
Direct cashless tie-ups with leading health insurers, plus reimbursement support with a complete document set if your insurer is not empanelled.
Corporate Policies
Group mediclaim for over 60 employers in Patna, with pre-verified employee eligibility and same-day pre-authorisation for planned admissions.
How cashless admission actually works
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Step 1
Verify eligibility
Bring your policy card, photo ID and the doctor's advice note to the insurance desk on the ground floor. We check your policy status, sum insured, room-rent eligibility and waiting periods.
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Step 2
Pre-authorisation request
We send your insurer a request with the diagnosis, planned treatment and cost estimate. For planned admissions do this 48–72 hours in advance.
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Step 3
Insurer approval
Planned cases are usually approved within 4–8 working hours; emergencies are processed on an emergency basis, often within an hour, and treatment never waits for it.
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Step 4
Admission and treatment
You are admitted against the approved amount. If treatment extends beyond the approved sum, we file an enhancement request while you are still an inpatient.
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Step 5
Final bill and settlement
At discharge we send the final bill for settlement. You pay only non-covered items, co-payment, deductibles and any amount above your sub-limits.
Schemes, insurers and TPAs we work with
Government schemes
Private insurers
Third-party administrators (TPAs)
Panel arrangements are reviewed periodically. Please confirm your insurer's current status with our insurance desk on +91 90316 83522 before admission.
Documents to carry
For cashless
- Original policy card or e-card
- Photo ID of the patient
- Doctor's admission advice
- Employee ID for corporate policies
- Previous reports supporting the diagnosis
For reimbursement
- Original itemised final bill
- Discharge summary
- All investigation reports
- Pharmacy bills with prescriptions
- Payment receipts and cancelled cheque
Questions our desk hears every day
We have cashless tie-ups with more than 20 insurers and TPAs, along with Ayushman Bharat, CGHS, ECHS and ESIC. The full list is on our Insurance page, and our desk will verify your specific policy before admission.
Submit your policy card and ID at the insurance desk. We send a pre-authorisation request to your insurer, which is usually approved within a few hours for planned admissions and on an emergency basis for urgent ones. You pay only non-covered items and any co-payment.
Yes. For every planned procedure we provide a written package estimate covering surgeon fees, theatre charges, implants, room category and expected stay, along with a clear list of what is excluded.
Cash, all major debit and credit cards, UPI, net banking and NEFT. Interest-free EMI options are available on select procedures through partner banks.
Common reasons are room-rent eligibility (if you take a higher category than your policy allows, a proportionate deduction applies to associated charges), non-medical consumables, and sub-limits on specific procedures. We give you a written deduction breakdown at discharge.
Yes. One policy can be used cashless and the balance claimed from the second by reimbursement, or both settled proportionately. Tell the insurance desk about both policies at admission.
PMJAY covers listed packages up to ₹5 lakh per family per year at empanelled hospitals, with no cost to you for covered treatment. Procedures outside the package list are not covered; our PMJAY coordinator will tell you clearly before admission.
You may proceed as a self-paying patient and file for reimbursement afterwards, or appeal with additional clinical justification which we will provide. Treatment is never delayed while this is resolved in an emergency.
Let us check your policy first.
Send us your policy details before admission and we will tell you exactly what will be cashless and what will not.
