Cashless Insurance and Hospitalisation
At THC Hospital, we believe that your focus should be on your health and recovery, not on navigating complicated insurance procedures.
Check eligibility for cashless
GIPSA empanelled
Contact our insurance desk at +91-84199 99127, 9 AM - 9 PM, Monday-Saturday
Cashless availability at THC Hospital, Thane
THC Hospital aims to simplify access to cashless medical treatment by assisting patients with eligible insurance policies and Third-Party Administrator (TPA) processes.
Our cashless hospitalisation facility helps eligible patients access medical treatment without having to pay the full cost of covered expenses upfront. With assistance for insurance approvals and documentation, we aim to make your hospitalisation experience as smooth and stress-free as possible.
Whether you’re planning a procedure or seeking emergency medical attention, we’re here to help you understand and navigate the cashless insurance process. Please contact our insurance desk at +91-84199 99127 between 9 AM - 9 PM, Monday-Saturday, to confirm whether your insurance provider and policy are eligible for cashless treatment at THC Hospital.
Check if your insurer, TPA or corporate is empanelled for cashless at THC Hospital
Showing insurers, TPAs and corporates
- Acko, insurer
- Bajaj Allianz, insurer
- Galaxy Health, insurer
- HDFC ERGO, insurer
- IFFCO-Tokio, insurer
- ManipalCigna, insurer
- SBI General, insurer
- Star Health, insurer
- Tata AIG, insurer
- Universal Sompo, insurer
- Ericson, TPA
- Family Health Plan, TPA
- Future Generali, TPA
- Health India, TPA
- Health Insurance, TPA
- Heritage Health, TPA
- MD India, TPA
- MedSave Health, TPA
- Medi Assist, TPA
- Paramount Health, TPA
- Raksha, TPA
- Medvantage, TPA, formerly United Healthcare Parekh
- Vidal Health, TPA
- Volo Health Insurance, TPA
- National Stock Exchange, corporate
- Vertiv Energy, corporate
- IBP, corporate
- IG Petrochemicals, corporate
- Hindustan Petroleum, corporate
- Nichem Solutions, corporate
- IRCTC, corporate
- Larsen & Toubro, corporate
- Mazagon Dock, corporate
GIPSA Empanelment at THC Hospital
THC Hospital is empanelled under the General Insurers’ Public Sector Association (GIPSA), enabling eligible policyholders of participating public sector insurance companies to access cashless hospitalisation facilities.
Through the GIPSA Preferred Provider Network (PPN), patients can receive eligible medical and surgical treatment at pre-negotiated package rates, with approved hospitalisation expenses settled directly by their insurance provider.
Our team assists patients and their families with insurance documentation, pre-authorisation requests and claim-related formalities to make the hospitalisation process more convenient.
The New India Assurance Company Limited
National Insurance Company Limited
The Oriental Insurance Company Limited
United India Insurance Company Limited
Eligible policyholders of these insurers may avail themselves of cashless hospitalisation at THC Hospital, subject to policy terms, network eligibility and approval from the respective insurance company or Third-Party Administrator (TPA).
What Is Cashless Hospitalisation?
Cashless hospitalisation allows patients with eligible health insurance policies to receive medical treatment without paying the approved hospitalisation expenses upfront.
Instead of paying the hospital and later filing a reimbursement claim, your insurance company or Third-Party Administrator (TPA) settles the approved amount directly with the hospital.
Cashless treatment is subject to your insurance policy’s terms, coverage limits, exclusions and approval from the insurer or TPA. Any expenses not covered by the policy must be paid by the patient.
Why Choose Cashless Hospitalisation?
- Reduced Financial StressAvoid arranging large upfront payments for eligible medical expenses. Approved treatment costs are settled directly between the hospital and your insurer or TPA.
- More Focus on RecoveryA defined pre-authorisation and claims process means you don't have to pay the entire bill and claim it back later. Our team helps with documentation, approvals and discharge formalities, so that you can focus on the recovery.
- Transparent Package RatesFor policies with GIPSA insurers, pre-negotiated package rates for specified medical and surgical procedures help make hospitalisation expenses clearer.
- Support During Medical EmergenciesMedical emergencies can be overwhelming. Cashless insurance may help reduce immediate financial concerns, while our team assists with the necessary insurance formalities.
When Can You Use Cashless Insurance?
- Planned Hospitalisation and SurgeriesIf your doctor recommends a planned surgery or hospital admission, you can initiate the cashless approval process before your scheduled admission. This provides time for the insurer to review the treatment request and confirm eligible coverage.
- Emergency HospitalisationCashless insurance may also be available for emergency admissions, subject to your policy terms and insurer approval. Our team can assist with the insurance documentation and approval process while medical care is provided according to clinical need.
- Day-Care ProceduresMany health insurance policies cover eligible day-care procedures that do not require an overnight hospital stay. Coverage depends on the procedure, policy conditions and insurance approval.
How Does Cashless Hospitalisation Work?
We’ve outlined the cashless insurance process in a few simple steps to help you understand what to expect.
Consultation and admission
Consult a doctor at THC Hospital. If hospitalisation or a procedure is recommended, our insurance desk can guide you on the next steps for cashless insurance.
Share Your Insurance Details
Provide your health insurance card, policy details, identity proof and other relevant medical documents to the hospital’s insurance desk.
Pre-Authorisation Request
THC Hospital submits a pre-authorisation request to your insurance company or TPA, including relevant medical details and estimated treatment expenses.
Insurance Approval
Your insurer or TPA reviews the request based on your policy’s terms and conditions. The request may be approved, partially approved, declined or referred for additional information.
Hospitalisation and treatment
Once the necessary medical and administrative arrangements are completed, treatment proceeds as advised by your doctor. In emergencies, urgent medical assessment and care will not be delayed while awaiting insurance approval.
Final Bill Settlement
At discharge, the hospital submits the final bill and supporting documents for settlement. The insurer or TPA settles the approved amount directly with the hospital, while any non-covered expenses or applicable deductions are payable by the patient.
Documents Required for Cashless Hospitalisation
To help ensure a smooth insurance approval process, please have the following documents ready.
- Health insurance card or e-card
- Health insurance policy document (if available) or policy number
- Government-issued photo identity proof of the patient and policyholder
- Doctor’s consultation papers and admission advice
- Previous medical reports and investigation results, if relevant
- Details of the patient’s medical history, where required
- Any additional documents requested by the insurance company or TPA
Frequently Asked Questions
No. Cashless hospitalisation depends on your insurance provider, policy coverage, hospital network arrangements and the type of treatment required. We recommend confirming eligibility before admission.
Not necessarily. Cashless insurance covers only those expenses approved by your insurer or TPA. Patients may need to pay for non-covered items, deductibles, co-payments, expenses exceeding policy limits and other applicable charges.
Approval timelines vary depending on the insurance company, type of admission, treatment recommended and completeness of documentation. Cashless approval can be applied up to 15 days in advance. For planned procedures, we recommend reaching out and initiating the process in advance.
Yes, emergency hospitalisation may be eligible for cashless treatment, depending on your policy and the insurer’s approval. Insurance formalities can be initiated in accordance with the applicable emergency admission process.
If your insurer declines the cashless request, THC Hospital’s insurance desk reapplies and works with the insurer to get the request approved, as much as possible. In case the request is not approved despite best efforts, you may need to pay the hospital expenses directly. Depending on your policy and the reason for rejection, you may be able to submit a reimbursement claim to your insurer later.
The insurance company will specify the approved amount. Any remaining charges not covered under your policy will need to be paid by you.
Coverage for outpatient consultations and diagnostic investigations depends on your insurance policy. Standard hospitalisation policies may not cover these expenses independently unless specific outpatient or diagnostic benefits are included.
Yes. For planned hospitalisation, initiating the pre-authorisation process in advance is recommended. This allows time for document verification and insurance approval before admission.
Our team prepares the documentation to secure the pre-authorisation for a cashless settlement, in line with your insurance policy. Final approval and the extent of coverage remain at the discretion of your insurer or TPA.
Yes. THC Hospital is a GIPSA empanelled hospital in Thane, offering cashless hospitalisation facilities to eligible policyholders of public sector insurance companies – New India Assurance, National Insurance, Oriental Insurance and United India Insurance. Cashless treatment is subject to the patient’s policy coverage, applicable terms and conditions, and approval from the respective insurer or TPA.
Need help with cashless hospitalisation?
Have questions about insurance coverage, cashless eligibility, GIPSA empanelment or the documents required for admission? Get in touch with our insurance desk for assistance with your cashless hospitalisation queries.
Available 9 AM - 9 PM, Monday-Saturday