List and Steps to Find Cashless Network Hospitals in Kerala

Posted on: Nov 16, 2023 | | Written by: None

List and Steps to Find Cashless Network Hospitals in Kerala

Kerala, called "God’s Own Country”, is not just famous for its scenic backwaters, lush greenery and vibrant culture; it also boasts one of the best healthcare and education systems in India. Despite this progress, Kerala has faced many health challenges in recent years, including outbreaks of infectious diseases such as Nipah and COVID-19. There has also been a steady rise in lifestyle-related illnesses like diabetes, heart disease and hypertension.

That’s why, along with taking care of your health, it is important to have health insurance for financial protection and peace of mind during medical emergencies. One of the key benefits of health insurance is cashless hospitalisation. Instead of paying medical bills upfront and claiming reimbursement later, you can simply visit a network hospital and get treated. The insurance company settles the bill directly with the hospital.

How to Avail of Cashless Treatment in Kerala?

Cashless treatment is an important facility offered by insurance companies to their customers. Insurance companies have tie-ups with several hospitals throughout the country. These hospitals are termed as network hospitals of the insurance provider. If you choose a network hospital of your insurance company for a medical procedure, you can opt for cashless treatment. This means that after you undergo the medical procedure, the insurance provider will pay the hospital bills on your behalf.

The following are the steps to avail of cashless treatment in Kerala:

1. Select a network hospital of the insurer and inform them about your medical procedure. If it is a planned procedure, you must notify them at least 72 hours in advance. Medical emergencies should be notified within 24 hours of hospitalisation.

2. Show your cashless insurance card at the hospital at the time of admission.

3. Go to the insurer’s TPA desk at the hospital and collect the pre-authorisation form from them.

4. Fill out the form with the required details and submit it to the TPA.

5. The TPA will verify the details. If everything looks fine, they will approve your cashless claim.

6. When you get discharged from the hospital, the hospital will submit your discharge summary and other bills and receipts to the TPA for the settlement of your bills.

This way, choosing a cashless hospital for your treatment can save you from the hassles of filing a reimbursement claim later. However, in case the TPA denies your cashless claim, you can settle the hospital bills from your pocket and file a reimbursement claim soon after getting discharged. Most insurance companies want policyholders to file the reimbursement claims within 15 days of being discharged from the hospital.

List of Cashless Hospitals in Kerala with Contact Information

If you have HDFC ERGO health insurance, you can find numerous network hospitals in Kerala that offer cashless treatment. The insurance provider has 71 network hospitals in Ernakulam, 33 in Thrissur, 43 in Thiruvananthapuram, 23 in Kozhikode, 20 in Kollam, 17 in Kottayam, 13 in Kannur and 7 in Wayanad, among others. From general nursing homes and speciality surgical centres to orthopaedic hospitals and eye clinics, HDFC ERGO’s network hospitals in Kerala offer policyholders various options.

So, whether you reside in Kerala or are visiting the state for work or leisure, you can avail of cashless treatment at any network hospital of the insurance provider without fretting about the bills. You can find the list of cashless hospitals here.

Steps to Find a Cashless Network Hospital

The following are the steps to find a cashless network hospital:

1. Identify your insurance provider

Check which health insurance company has issued your policy. If you have HDFC ERGO health insurance, you will need to look specifically for its cashless hospital network to avail of cashless benefits.

2. Visit the official HDFC ERGO website or use trusted aggregators

Go to the official HDFC ERGO website: https://www.hdfcergo.com/health-insurance.

Alternatively, you can use trusted health insurance aggregators to easily access the list of HDFC ERGO’s network hospitals.

3. Use the network hospital locator

On the HDFC ERGO website, look for the “Cashless Networks” or “Network Hospital Locator” section. This tool helps you search for hospitals that offer cashless treatment.

4. Filter by location

To find HDFC network hospitals in Kerala, choose ‘Kerala’ as your state. Then, select your city or district to view nearby hospitals that offer cashless services.

5. Check hospital details

Check the hospital list carefully. Make sure it offers the services you need, including cashless treatment.

6. Contact the hospital before admission

It is wise to call the hospital before your admission to confirm it is in HDFC ERGO’s network. Also, check for any conditions like room limits or pre-authorisation requirements.

It is also important to understand policy terms and the pre-authorisation process. For cashless treatment, you must inform HDFC ERGO and get prior approval. This is important to avoid claim denial.

Conclusion

Having health insurance helps you stay prepared for medical emergencies without worrying about money. With cashless treatment, you can receive the care you need without paying upfront. If you live in Kerala, it is helpful to know which hospitals offer this service. The best health insurance plans in India provide cashless treatment, so you can stay covered and access it whenever needed.

Whether you are looking for health insurance for senior citizens or a plan for yourself or your family, it is important to choose a policy that offers good coverage and easy access to cashless treatment. You can easily shortlist and compare plans online to find the one that best matches your needs. Using a health insurance calculator can help you quickly zero in on a plan that fits your budget.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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