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Insurance Support at SNC
Sankara Netra Chikitsalaya has a dedicated Insurance Department that helps patients in fulfilling the formalities required for availing insurance services. Our team ensures a smooth and hassle-free insurance claim process.
Insurance coverage is applicable only for inpatient procedures and patient surgeries. Approval from the insurance provider is required to claim the amount. The reimbursed amount will vary based on the premium and policy terms.
Insurance Process at SNC
To avail cashless hospitalisation, the patient has to approach the Insurance Department before admission and request for pre-authorization. Our staff forwards the request to your insurance company and obtains approval. The insurance company will intimate the patients about the status via SMS.
On receiving approval from the insurance company, patients can get admitted to the hospital. In cases where prior approval is not obtained, patients need to deposit an amount at the time of admission, which will be refunded once the insurance provider authorizes the treatment cost.
If the hospital does not receive authorization within 48 hours of admission and the patient is getting discharged, the patient must settle the hospital bill and claim reimbursement directly from the insurance provider.
Our Insurance Partners
Sankara Netra Chikitsalaya accepts medical policies from various insurance companies, State & Central Governments, corporate companies, and Third Party Administrators (TPAs) across India.
Government Schemes
- Central Government Health Scheme
- Employees State Insurance Corporation
- State Government Health Insurance
- Ex-Servicemen Contributory Health Scheme
- Railway Health Services
- Defense Health Services
TPA Partners
- Medi Assist India TPA Pvt. Ltd.
- MDINDIA Healthcare Services
- Family Health Plan TPA Ltd.
- Paramount Health Services
- United Healthcare Parekh TPA
- Vidal Health TPA Pvt. Ltd.
- Good Health TPA Services
Insurance Companies
- Star Health & Allied Insurance
- HDFC ERGO General Insurance
- ICICI Lombard General Insurance
- Bajaj Allianz General Insurance
- New India Assurance Company
- National Insurance Company
- Oriental Insurance Company
Important Points to Remember
- The Insurance Department is only a facilitator for communication between the patient and the insurance company. It does not approve or deny claims and is not responsible for delay in approvals or denials from TPAs/insurance companies.
- Request for cashless hospitalisation is considered only if the required documents are submitted within 12 hours of admission.
- Submission of cashless request form by itself does not guarantee insurance coverage. There are chances that the claim be denied by the insurance company / TPA if treatment is not covered under the terms & conditions of the insurance policy.
- In case of denials or partial approvals of claims, patient has to make the balance payment in cash before the planned surgical procedure or discharge.
- Certain expenses are not payable under the terms and conditions of insurance policy for which deposit has to be made in advance at the time of admission.
- Final bill once prepared is sent to the insurance company/TPA for approval along with the necessary medical records. The insurance company may take around 3 months to let us know the status of approval.
- If the patient does not wish to wait for approval from TPA/Insurance company for cashless hospitalisation, he/she will have to pay the bill in cash and seek reimbursement later.
Required Documents for Cashless Hospitalisation
Insurance/TPA Cashless Card
Proof of Age (for individual policy holders)
Government ID Proof (PAN, Aadhar, Driving License)
Copies of last 4 years' insurance policy
Insurance Agent Contact Details
HR Contact (for corporate policy holders)