Insurance & Billing
Cashless TPA List
19 of 20 partners settle cashless with us. Find yours below, along with how long approval usually takes.
How Cashless Works
Four steps, and we do three of them
01
Tell us at registration
Show your TPA or insurance card at the front desk. Our insurance help desk opens a file before you see the consultant.
02
We file pre-authorisation
Once a treatment plan exists, we submit the estimate and clinical notes to your TPA — you do not fill in the forms.
03
Approval comes back
Typical turnaround is 2–12 hours depending on the partner. Emergencies proceed immediately; paperwork follows.
04
You settle only the gap
Non-medical items, co-pay and anything above your sum insured. Everything else is billed to the insurer.
Third Party Administrators
TPAs process claims on behalf of your insurer. Carry the card issued by the TPA, not by the insurance company.
| Partner | Cashless | Typical Pre-Auth |
|---|---|---|
| Medi Assist Insurance TPA | Available | ~4 hours |
| Paramount Health Services | Available | ~6 hours |
| Vidal Health TPA | Available | ~5 hours |
| MDIndia Health Insurance TPA | Available | ~6 hours |
| Family Health Plan (FHPL) | Available | ~4 hours |
| Health India TPA | Available | ~8 hours |
| Raksha Health Insurance TPA | Available | ~6 hours |
Insurers (Direct Settlement)
These insurers settle directly with us, which usually means a faster approval than going through a TPA.
| Partner | Cashless | Typical Pre-Auth |
|---|---|---|
| Star Health & Allied Insurance | Available | ~3 hours |
| HDFC ERGO General Insurance | Available | ~3 hours |
| ICICI Lombard General Insurance | Available | ~2 hours |
| Niva Bupa Health Insurance | Available | ~3 hours |
| Care Health Insurance | Available | ~4 hours |
| Bajaj Allianz General Insurance | Available | ~4 hours |
| Tata AIG General Insurance | Available | ~4 hours |
| New India Assurance | Available | ~12 hours |
| Oriental Insurance | Available | ~12 hours |
Government Schemes
Bring the scheme card plus a government photo ID. Approval is slower, so plan elective admissions a day ahead.
| Partner | Cashless | Typical Pre-Auth |
|---|---|---|
| Ayushman Bharat PM-JAY | Available | ~24 hours |
| CGHS (Central Govt. Health Scheme) | Available | ~24 hours |
| ECHS (Ex-Servicemen) | Available | ~24 hours |
| ESIC | Reimbursement | ~48 hours |
What to bring
- TPA or insurer card (original)
- Government photo ID for the patient
- Policy number and, for corporate cover, your employee ID
- Any previous discharge summaries for the same condition
Turnaround times are typical, not guaranteed — they depend on your policy and how quickly your insurer responds. Emergency treatment is never delayed for paperwork.
Can’t find your insurer?
The list changes as contracts renew. Call the insurance help desk and we will confirm your cover in a few minutes — before you travel.