Insurance & cashless treatment
We support many cashless and reimbursement pathways. Panels change periodically — the table below lists common TPAs/insurers we work with; final eligibility is always confirmed with your policy and our insurance desk.
Cashless vs reimbursement
- ✓ Cashless: Pre-authorisation with insurer/TPA; you pay non-covered amounts as advised.
- ✓ Reimbursement: Submit original bills, discharge summary, and forms to your insurer after payment.
Insurance desk contact
For pre-auth, estimates, and document guidance:
Representative insurers & TPAs
Brands are shown for illustration; tie-ups vary. Ask our desk for your policy’s current status.
| Partner / insurer | Typical mode |
|---|---|
| Medi Assist | Cashless / reimbursement (per plan) |
| HDFC Ergo (TPA) | Cashless / reimbursement (per plan) |
| ICICI Lombard | Cashless / reimbursement (per plan) |
| Star Health | Cashless / reimbursement (per plan) |
| Care Health | Cashless / reimbursement (per plan) |
| Niva Bupa | Cashless / reimbursement (per plan) |
| Bajaj Allianz | Cashless / reimbursement (per plan) |
| Tata AIG | Cashless / reimbursement (per plan) |
| SBI General | Cashless / reimbursement (per plan) |
| Reliance Health | Cashless / reimbursement (per plan) |
Document checklist (general)
- Government photo ID & insurance card / policy copy
- Pre-authorisation form (cashless) completed and signed
- Investigation reports, fitness notes, and surgeon’s estimate
- Final bill, payment receipts, operation notes, discharge summary
Insurance FAQs
What is the difference between cashless and reimbursement? +
Cashless means the hospital coordinates pre-authorisation with your insurer/TPA so eligible charges are settled directly as per policy. Reimbursement means you pay first and submit bills and documents to your insurer for refund as per terms.
What documents are usually required for insurance? +
Typically ID proof, insurance card or policy number, pre-authorisation form (for cashless), investigations, consent papers, and final bills/discharge summary. Our desk will share a checklist for your specific insurer.
How long does pre-authorisation take? +
Timelines vary by insurer and plan. Planned procedures often allow a few working days; emergencies follow a fast-track process where clinically appropriate.
Do you support corporate/TPA panels? +
We work with leading TPAs and many corporate policies. Coverage depends on your plan — please share your card details early so we can confirm eligibility.
Who do I call for insurance questions? +
Call our billing and insurance desk at +91 951 951 1928 or +91 20 6109 6769 during working hours for the latest panel and process updates.
Insurance support process
Our billing team helps you verify network eligibility, estimate documents required, and coordinate pre-authorization where applicable. Coverage depends on insurer policy terms, waiting periods, and clinical indication.
- •Carry policy card, ID proof, and previous reports for faster processing.
- •Ask for expected approval timelines before planned admission.
- •Keep copies of all bills and discharge documents for reimbursement claims.
Why Surgery Quotes Vary So Much
Dr. Kundan Kharde breaks down what actually goes into a surgery bill — surgeon and anaesthetist fees, technique, theatre setup, room category and length of stay — so you can read any hospital's estimate properly.
The figures quoted in this video are all-India ranges. Sharvari Hospital's own itemised Pune pricing is on our piles surgery cost guide, and your final estimate is confirmed before admission.