Smt Paarvati Devi Hospital is on the panel of almost every insurance companies through their TPA (IRDA Approved AGENT) to offer cashless hospitalization to corporate/individual policy holder
If the patient holds the card, he/she can avail hassle free cashless hospitalization AFTER getting clearance from their Insurance co. through a prescribed format available with this hospital.
Steps to be taken for getting approval from the insurance co/TPA:
- The patient must show the original and sign the photocopy of the insurance card he/she holds.
- The hospital will then fill the insurance Co's pre-authorization form mentioning approximate days and approximate amount of treatment required (with the signature of the treating consultant & the patient's).
The authorization or the dental for cashless treatment is received by fax/phone the same day or the next day. - Once the authorization is received for treatment and the amount which the insurance Co. will pay, the patient can be admitted for cashless indoor treatment. (OPD consultation and investigation before the indoor admissions are not paid for by the insurance co and must be paid by the patient )
- Before the patient is discharged, he/she must sign the Hospital Bill, Pharmacy Bill, Diagnostic Centers Bill, Discharge card etc.
However the patient must pay on its own for Registration Charges, Canteen Bills, Service Charges (Fax, Courier, etc) and for tonics, vitamins etc from the pharmacy. - All the original reports are to be submitted to the Insurance Company for processing the claim (and to avoid patient claiming the insurance separately/on their own). Hospital or the patient can only take Photostat copies for their record.
- In case of Emergencies, the patient must submit the card in original to the hospital for further processing and get the treatment.
- However, many times the insurance cos rejects the case at their discretion before/after the patient?s admission even in case of emergency hospitalization.
We have been denied payment of many charges once the bills are scrutinized by them (mostly of some items from pharmacy. Nursing charges, R.M.O charges, Room rent etc.)
In such cases the hospital must get a sworn affidavit form the patient that in case some charges the deducted by the insurance co/TPA, then the patient stands to pay those directly to the hospital.