TPAs & General Insurers
PM-JAY Cashless Cap
Fast-Track Turnaround
Dedicated On-Site Team
Planned Admission Pre-Auth
Planning surgery or treatment? Send your health card and doctor prescription 48 hours prior for guaranteed cashless approval before admission.
Call Coordinator: +91 63607 51930 →24/7 Emergency Cashless
In life-threatening situations, critical care starts immediately without waiting. Our desk initiates emergency cashless approvals with your insurer within 2 hours.
Emergency Helpline: +91 63607 51935 →Instant WhatsApp Verification
Send a photo of your Health Insurance Card or Policy schedule on WhatsApp. Our TPA team verifies your eligibility and room category in 15 minutes.
Send Card on WhatsApp →Our Empanelled Insurers, TPAs & Government Schemes
Check if your health insurance provider, corporate employer, or government card is empanelled for seamless cashless settlement at M.K. Bhandari Hospital.
How Cashless Hospitalisation Works
Understanding the step-by-step cashless process for both planned treatments and unexpected emergency admissions.
Planned Admission Workflow
For elective surgeries, cataract, joint replacement & scheduled treatments
Doctor Consultation & Admission Advice
Our specialist examines you, recommends hospitalization or surgical procedure, and prepares an initial clinical diagnosis note.
Document Submission (48–72 Hrs Prior)
Submit your Health Insurance E-card, Policy schedule, photo ID, and doctor prescription at our hospital TPA counter.
Pre-Authorization Letter Issued
Our desk submits the electronic pre-auth request to your insurer/TPA. The initial approval letter is typically issued within 2 to 4 hours.
Hassle-Free Cashless Discharge
Get admitted with zero deposit. Upon completion of treatment, our desk sends the final bill to your insurer for final cashless settlement.
Emergency Admission Workflow
For heart attacks, severe trauma, stroke, ICU cases & acute medical crises
Immediate Patient Resuscitation & Care
Medical treatment begins without any paperwork delay. Our casualty team stabilizes the patient and initiates critical interventions.
TPA Desk Notification (Within 24 Hours)
The patient's family informs the hospital TPA desk and presents the insurance card or policy number within 24 hours of emergency admission.
Emergency Pre-Auth Request Filed
Our insurance team sends emergency clinical details and admission papers to the insurer with priority tagging for urgent initial sanction.
Direct Cashless Claim Finalization
The hospital settles the medical bill directly with the TPA. The family is only responsible for non-covered consumable items, if any.
Required Documents for Cashless Claims
Please carry the following documents to the hospital insurance counter to ensure immediate, error-free pre-authorization.
Health Insurance Card
Physical card, digital E-Card PDF, or valid Ayushman Bharat Golden Card with clear UHID / Policy number.
- Active policy copy / E-card
- Employee corporate ID (if group cover)
Government Photo ID Proof
Original & photocopy of government-issued identification for both the patient and the policyholder.
- Aadhaar Card (Patient & Proposer)
- PAN Card / Voter ID / Driving License
Doctor Admission Advice
Official prescription from the consulting physician detailing medical diagnosis and need for hospitalization.
- First consultation prescription
- Past medical & surgical records
Investigation Reports
Diagnostic laboratory tests, ultrasound, ECG, or radiological scans supporting the clinical diagnosis.
- Recent blood & pathology reports
- Pre-Auth Form signed at hospital desk
Frequently Asked Questions
Everything you need to know about cashless insurance, pre-authorizations, approval timelines, and claim settlement.
Does cashless hospitalisation cover 100% of my bill?
Cashless insurance covers all approved medical and surgical treatment expenses as outlined by your specific policy terms (such as doctor consultations, bed charges up to your room limit, nursing, OT charges, medicines, diagnostics, and implants). Non-medical expenses (such as registration fees, personal toiletries, administrative charges, food for attendants, and non-payable consumables like gloves or tissue packs) are settled directly by the patient as per IRDAI guidelines.
How long does pre-authorization approval take?
For Planned Admissions, insurers and TPAs generally issue the initial pre-authorization letter within 2 to 4 hours of document submission. For Emergency Admissions, our insurance desk files the request with an emergency tag, and initial approvals are typically received within 1 to 3 hours while treatment proceeds uninterrupted.
What if my insurance company or TPA is not listed above?
Even if your specific insurance provider or cooperative scheme does not have an active cashless tie-up, you can still undergo treatment smoothly at MK Bhandari Hospital. Upon discharge, our billing and TPA coordinator will provide you with a Complete Reimbursement Dossier (itemized final bill, discharge summary, diagnostic reports, medicine payment receipts, and pre-auth rejection/denial letter) so you can claim 100% reimbursement from your insurance company.
Can I avail cashless treatment during night hours or on public holidays?
Yes. Our hospital emergency department and casualty desk operate 24 hours a day, 7 days a week. For night-time emergency admissions, medical care begins right away, and initial cashless pre-authorization is triggered with the insurer's 24x7 emergency TPA cell.
What is Room Rent Capping and how does it affect my claim?
Most insurance policies specify a maximum room rent limit (e.g. 1% of the sum insured for general rooms or 2% for ICU). If you choose a room category higher than what your policy entitles you to, proportionate deductions may apply to other associated medical charges under your policy terms. Our TPA coordinator will clearly explain your eligible room category before admission so you can avoid unnecessary out-of-pocket expenses.