We invite doctors from all streams and faculties to enhance our polyclinic set up on a mutually agreed/partnership basis. Call us on: 91-9820012294 / 91-9833692626 OR email us at nehsuh@hotmail.com OR Contact Us Now Our organisation has been nominated for " INDIAN ACHIEVERS AWARD FOR HEALTH EXCELLENCE " on a national basis From AIAF (All India Achievers Foundation)

Asha Hospital has a tie-up with many TPA's. We hope our association with this TPA's will benefit to get hassle free 'Cashless Hospitalisation' to our Patrons. Current list of TPA's is given below. However this list is dynamic and will change from time to time. For more details you can email us at nehsuh@hotmail.com OR Contact Us Now.

1) Do all Health Insurance Policies offer cashless hospitalisation facility?
Ans: Today, most Health Insurance policies do offer cashless hospitalisation facility and route your policy through a Third party Administrator (TPA). However you should be familiar with the terms- Network Hospital and Non-network Hospital.
Network Hospitals are those hospitals that your TPA has an agreement with. In case of hospitalisation, if you get admitted to a Network Hospital you will be eligible for cashless hospitalisation, subject to the other terms and conditions mentioned in your policy being fulfilled. In case you are admitted to a Non-network Hospital, you will have to settle the bills directly to the hospital and then seek re-imbursement through your TPA.

2) In case of Emergency Hospitalisation:
Ans: In case of emergency hospitalisation, the corporate help desk will take up your case on a fast track basis with your TPA and is likely to receive approvals within 3 hours during any working day.
For cashless treatment it is mandatory for the hospital to have an approval from your TPA. Incase of delay in receiving the approval or when you cannot wait for receiving the approval owing to medical urgency you can undertake the treatment by paying the necessary cash deposit.
If you receive approval from your TPA after paying the cash deposit, you are entitled for refund of the cash deposit.

3) What do I do if I do not get approval on my cost of treatment till the time of discharge at the Hospital?
Ans: Cashless hospitalisation is linked to the approval of the estimated expenditure on your proposed treatment. In case you do not get your approval you will need to bear the entire expenditure incurred on the treatment. Therefore it is always prudent to get the approval and then get yourself admitted. You could explain the benefits of getting the approval before the date of your admission to your treating doctor as well when he recommends an immediate admission.
At Asha Hospitals, we will not entertain any request for a refund of the amount paid if the approval comes after the process for your discharge has commenced.

4) Under what circumstances will the request for cashless hospitalisation not be entertained?
Ans: Normally your request for approval might be rejected when:

1. Information contained in the pre-authorisation form is insufficient for the TPA to arrive at a decision and further information is not available for various reasons. However the chances of rejection under this criterion are rare since the Corporate Help Desk at the hospital is experienced in complying with pre-authorisation formalities and will advise you suitably

2. The ailment for which hospitalisation is being sought by you is not covered under your insurance policy for reasons like pre-existing ailment, specific exclusions (accident admission under the influence of alcohol)

3. You have exhausted your eligible Medical Insurance cover for the year.

5) What do I do if the actual medical expenses overshoot the pre-approved amount?
Ans: In case your hospitalisation expenses exceed the pre-approved amount, you can approach the Corporate Help Desk to apply for an enhancement of the pre-approved amount.
The Corporate Help Desk will apply for an enhancement on your behalf with the TPA and provide the necessary documentation. In case you have not exhausted your medical insurance limit, it is most likely that your TPA will approve the application for the enhancement – either for the requested enhanced amount or up to your insured limit after deducting the value already utilized by you during the year – whichever is less.
If the TPA turns down the request for enhancement you will need to pay the amount incurred in excess of your approved amount directly to the hospital before the discharge

6) Does cashless hospitalisation cover all medical expenses?
Ans: For complete details on the medical expenses that are covered, and those that are not covered, you need to go through your health insurance policy. However, in general, the expenses listed below are not reimbursable under cashless hospitalisation

•   Registration / Admission Fee
•   Telephone Charges
•   Visitors / Attenders Charges
•   Ambulance Charges
•   Charges for Diet, which is not part of the administered treatment
•   Document Charges
•   Toiletries
•   Non-medical Expenses
•   Service Charges

These need to be settled by you directly to the hospital at the time of discharge

7) In case of cashless hospitalisation, what are the documents the hospital requires from me at the time of discharge?
Ans: All the original documents including bills, lab reports, discharge summary and claim form. All the original documents duly signed by you need to be submitted to the hospital.