​​​​​What is Cashless facility and Reimbursement?

Cashless facility is a service provided by network hospitals to patients of a particular TPA. In this case no money is paid by the patient. 

Reimbursement facility is availed, if the said hospital is not paneled to the TPA. In this case on filling up all the required documents, money is paid to patient by insurance company later on. 

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How long will it take to get things settled with the insurance company?

Initial preauthorisation is sent by TPA in about roughly 4-6 hours. it may extend depending on TPA quality service. After final authorisation is passed by TPA, patient is discharged and orginal documents are sent to TPA for processing of claim.



Why Hospitals collect Deposit money?

​Hospitals have tremendous expenses and need to be compensated equally. Sometimes, patient is told to pay a nominal deposit amount. This is for the costs to be fulfilled before the main sanction from TPA comes.

 

How to understand the charges of Room and doctors?​

The charges allowed for Room rent is generally 1% of the sum insured. For e.g If a patient has a claim cover of 3 lacs, his daily bed charges can be upto Rs. 3000/-​. Rest charges can be inquired on the Nursing station of Hospital.