Cashless Hospitals in Mumbai: Complete Guide

Posted on: Nov 16, 2023 | 3 mins | Written by: HDFC ERGO Team

Cashless Hospitals in Mumbai: Complete Guide

Living in a fast-paced city like Mumbai comes with its share of challenges. With daily stress, traffic and increasing pollution, the risk of health problems is also going up. That’s why it is important to take care of your health and have health insurance. A health plan not only pays for medical bills but also provides access to cashless treatment at network hospitals. This means you don’t have to worry about arranging money during a medical emergency. This guide shares the cashless hospital list in Mumbai and also explains how cashless hospitalisation works in the city.

What is Cashless Hospitalisation?

Cashless hospitalisation means you don’t have to pay the hospital directly for your treatment. In case of a medical emergency, you can go to a network hospital with your cashless card and get treated without paying anything upfront.

After the treatment, you can go back home without worrying about the medical bills, as your insurance company will take care of them. This helps you and your family focus on recovery, without the stress of arranging money during a difficult time.

How Does Cashless Hospitalisation Work

If you wish to avail of cashless hospitalisation, check the list of network hospitals associated with your insurance provider. This list is usually available on the insurer’s official website or in your policy documents. These are hospitals that have partnered with your insurer to provide cashless mediclaim services.

If you choose a hospital from this network, you can present your cashless card at the time of admission and avail of treatment without paying upfront. However, it is important to inform your insurer in advance, especially for planned hospitalisations, to ensure a smooth approval process.

How to Avail of Cashless Treatment in Mumbai?

If you have a health insurance policy, you can choose any network hospital of your insurance provider for cashless treatment. The following are the steps to avail of cashless treatment in Mumbai:

1. Choose a network hospital of the insurance provider and inform them about your hospitalisation at least 72 hours in advance. If it is a medical emergency, you must notify them within 24 hours of hospitalisation.

2. Submit the cashless insurance card provided by your insurer to the hospital.

3. Take the pre-authorisation form from the TPA or third-party administrator desk at the hospital.

4. Fill out the form correctly and submit it at the TPA desk. The TPA will check the form and your health insurance policy limits, riders and eligibility and approve or reject your claim accordingly.

5. If your cashless claim is approved, you may be asked to sign the discharge form and your hospital bills and receipts at the time of discharge. The hospital will send the same to the TPA desk for approval.

6. If the approved amount of your health insurance coverage exceeds your hospital bills, you may not pay anything from your pocket. However, if your hospital bills exceed the approved amount, you must pay the difference from your pocket.

If you are denied cashless treatment at a network hospital for some reason, you can settle the hospital bills from your pocket and file a reimbursement claim later. Make sure you file the reimbursement claim within 15 days of getting discharged from the hospital. Most insurance providers do not entertain late claims.

Cashless claim settlement is available to all health insurance policyholders. So, whether you have individual health insurance, family floater or senior citizens health insurance, you can choose cashless treatment at a network hospital of the insurance provider.

List of Cashless Hospitals in Mumbai with Contact Information

HDFC ERGO has as many as 306 network hospitals in Mumbai and 32 in Navi Mumbai, so you can easily find a few good ones in the vicinity. These network hospitals include nursing homes, critical care and cardiac centres, eye clinics, orthopaedic hospitals, maternity homes, children’s hospitals, surgical centres, and other speciality healthcare centres.

The insurance provider also has tie-ups with some renowned hospitals in the city, including Lilavati Hospital and Research Centre, Nanavati Max Super Speciality Hospital, Breach Candy Hospital, and Holy Family Multispecialty Hospital. If you have HDFC ERGO health insurance, knowing the insurer’s network hospitals in your neighbourhood is important. If there is a medical emergency, you can quickly reach the nearest network hospital for cashless treatment.

Conclusion

Cashless treatment is a valuable and beneficial feature of health insurance. It allows you to get medical care without paying up front or worrying about filing a reimbursement claim later. This benefit can be especially useful during medical emergencies.

When buying individual or family health coverage plans, make sure to check the list of network hospitals included in the policy. It is also important to compare coverage details, especially when calculating health insurance premiums or planning for your future medical needs. This can help you get the right coverage 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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