Cashless Anywhere Facility Available – For Planned Cases Only. Patients should inform their insurance company at least 48 hours in advance to obtain approvals.

List of Insurance Companies Empanelled

  1. ACKO General Insurance
  2. Star Health Insurance (Temporarily Stopped)
  3. Aditya Birla Health Insurance Company (ABHIC)
  4. Bajaj Alliance General Insurance
  5. CareEver Digitech Pvt Ltd.
  6. Care Health Insurance Ltd.
  7. Cholamandalam General Insurance
  8. eExpedise Healthcare Services Pvt Ltd
  9. East West Assist Insurance TPA
  10. Ericson Insurance TPA Pvt Ltd.
  11. Future Generali India Insurance Co. Limited
  12. Go Digit General Insurance
  13. HDFC ERGO General Insurance
  14. ICICI Lombard General Insurance Company Limited
  15. Liberty General Insurance Limited
  16. Manipal Cigna Health Insurance
  17. MEDISEP- Available for all departments
  18. Niva Bupa Health Insurance Company Limited (Temporarily Stopped)
  19. Link-K Insurance TPA
  20. Paramount TPA Pvt. Ltd.
    • Domestic Insurance Companies under Paramount TPA
      • United India Insurance Co. Ltd.
      • New India Assurance Co. Ltd
      • National Insurance Co. Ltd.
      • The Oriental Insurance Co. Ltd.
      • Aditya Birla Health Insurance Co. Ltd.
      • Bajaj Allianz Life Insurance Co. Ltd.
      • Cholamandalam General Insurance Co. Ltd
      • HDFC Ergo General Insurance Co. Ltd.
      • ICICI Lombard
      • IFFCO Tokio General Insurance Co. Ltd.
      • Liberty General Insurance Co. Ltd.
      • Niva Bupa Health Insurance Co. Ltd. (Temporarily Stopped)
      • Reliance General Insurance Co. Ltd
      • Care Health Insurance Co. Ltd
      • Royal Sundaram General Insurance Co. Ltd.
      • SBI General Insurance Co. Ltd.
      • Tata AIG General Insurance Co. Ltd.
      • Universal Sompo General Insurance Co. Ltd.
      • Navi General Insurance Co. Ltd.
      • ManipalCigna Health Insurance Co. Ltd.
      • Zuno General Insurance Co. Ltd.
      • Magma HDI General Insurance Co. Ltd.
      • Kotak Mahindra General Insurance Co. Ltd.
      • Go Digit General Insurance Ltd.
      • Raheja QBE General Insurance Co. Ltd
      • Aegon Life Insurance Co. Ltd
      • HDFC Life Insurance Co. Ltd.
      • Max Life Insurance Co.
    • International Insurance Companies under Paramount TPA
      • Next Care
      • NAS
      • Sukon
      • Orient
      • Ecare
      • Mednet
      • Marine Benefits( USA)
      • Metlife
  21. Reliance General Insurance Company Limited
  22. Safeway Insurance TPA Private Limited (Temporarily Stopped)
  23. SBI General Insurance Company Limited (Direct Customers Only)
  24. Universal Sompo GIC Ltd.
  25. Medi Assist Insurance TPA Pvt. Ltd ( 30 companies with Medi Assist)
    • Aditya Birla Health Insurance Co. Ltd.
    • Aditya Birla SunLife Insurance Co. Ltd (Formerly known as Birla SunLife Insurance Co. Ltd)
    • ACKO General Insurance Limited
    • Bajaj Allianz General Insurance Co. Ltd.
    • Care Health Insurance Co. Ltd.(Formerly known as Religare Health Insurance Co. Ltd.)
    • Cholamandalam MS General Insurance Co. Ltd.
    • Zuno General Insurance Limited(Formerly known as Edelweiss General Insurance Co. Ltd.)
    • Go Digit General Insurance Ltd.
    • HDFC Ergo General Insurance Co. Ltd.
    • ICICI Lombard General Insurance Co. Ltd.
    • IFFCO-TOKIO General Insurance Co. Ltd.
    • IndiaFirst Life Insurance Co. Ltd.
    • Liberty General Insurance Ltd.
    • Life Insurance Corporation of India
    • Magma HDI General Insurance Co. Ltd.
    • ManipalCigna Health Insurance Co. Ltd.(Formerly known as Cigna TTK Health Insurance Co. Ltd.)
    • Niva Bupa Health Insurance Co. Ltd.(Formerly known as MaxBupa Health Insurance Co. Ltd.) (Temporarily Stopped)
    • National Insurance Co. Ltd.
    • Navi General Insurance Limited(Formerly known as DHFL General Insurance Ltd.)
    • PNB MetLife India Insurance Co. Ltd.
    • Raheja QBE General Insurance Co. Ltd.
    • Reliance General Insurance Co. Ltd.
    • Reliance Nippon Life Insurance Co. Ltd.(Formerly known as Reliance Life Insurance Co. Ltd.)
    • Royal Sundaram General Insurance Co. Ltd.
    • SBI Life Insurance Co. Ltd.
    • SBI General Insurance Co. Ltd.
    • Tata AIG General Insurance Co. Ltd.
    • The New India Assurance Co. Ltd.
    • The Oriental Insurance Co. Ltd.
    • United India Insurance Co. Ltd.
  26. Bluedot Medical Assistance
  27. Health Insurance TPA
  28. MD India Health Insurance TPA
  29. Vidal Health Insurance TPA Pvt Ltd.
  30. Health India Insurance TPA Pvt Ltd
  31. Navi General Insurance Limited
  32. Family Health Plan Insurance TPA LTD (FHPL)
  33. Iffco-Tokio General Insurance
  34. TATA AIG General Insurance
  35. Magma General Insurance Ltd.
  36. Galaxy Health Insurance Co Ltd.

List of Public Sector Companies Empanelled

  1. BSNL
  2. Food Corporation of India (FCI)
  3. HUDCO (Housing & Urban Development Corporation Ltd)
  4. NMDC ( National Mineral Development Corporation)
  5. ONGC Ltd
  6. Power Grid Corporation of India

List of Departments Empanelled in ECHS

DEPARTMENT CATEGORY
Anaesthesiology OPD and IP
Cardiology (Interventional) OPD and IP
Cardiothoracic Surgery OPD and IP
Dermatology and Venereology OPD and IP
General Surgery Including Laparoscopic Surgery OPD and IP
Medical Gastroenterology OPD and IP
Nephrology (Including Dialysis) OPD and IP
Neurology OPD and IP
Neurosurgery OPD and IP
Obstetrics and Gynaecology (Including High -Risk Pregnancy) OPD and IP
Ophthalmology OPD and IP
Orthopaedic Surgery OPD and IP
Otorhinolaryngology/ Head & Neck OPD and IP
Paediatrics (Including Neonatology ) OPD and IP
Endocrinology OPD and IP
Psychiatry OPD only
Respiratory Medicine OPD and IP
Urology OPD and IP

List of Departments Empanelled in Central Govt. Health Scheme (CGHS)

  • Medical Cardiology
  • General Medicine
  • Medical Gastroenterology
  • Pulmonology
  • Neurology
  • Neonatology
  • Pediatrics
  • Dialysis
  • Endocrinology
  • Dermatology
  • Medical Oncology

Please bear in mind the following

  • Insurance Help Desk is only a facilitator on behalf of you and can in no way influence the decision on the approval for insurance claim. It is your Insurance Company or your TPA that approves or turns down a claim.
  • The estimated cost may vary from the total actual charges incurred, due to your individual medical condition, final diagnosis and recommended treatment ordered by your physician.
  • An initial advance as fixed by the hospital based on the room category availed will be requested at the point of registration or admission. This advance shall be reimbursed to the patient after deducting/collecting uncovered services after the final settlement.
  • Any amount that is not covered under the insurance policy or health plan and has to be borne by the patient/bystander.

The pre-authorisation procedure is detailed below

Step 1
Establish contact with the Insurance Help Desk at the Hospital.
Step 2
At the Insurance Help Desk, you need to present the original health Insurance card issued to you by your TPA along with ID proof..
Step 3
Collect the Pre-Authorisation forms pertaining to your TPA.
Step 4
Your Pre-Authorisation has two sections:
Section (i)
Details of your Health Insurance policy – To be filled by self (The Help Desk will assist you in case you have any difficulty)
Section (ii)
Pertains to the treatment recommended for you – Needs to be filled in and duly signed by the Doctor who is treating you (Do not attempt to fill this section, contact the Insurance Help Desk in case of any difficulty)
Step 5
Return the completed form to the Insurance Help Desk. The personnel at the desk will verify the form for its correctness and let you know in case of any discrepancy.
Step 6
Once the form is complete in all respects, the Insurance Help Desk will fax the form to the office of your Insurance Company / TPA.
Step 7
The Insurance Help Desk will revert to you on the approval status.

Does cashless hospitalisation cover all medical expenses?

For complete details on the medical expenses that are covered, and those that are not covered, you need to go through your Health Insurance Policy. However, in general, the expenses listed below are not reimbursable under cashless hospitalization.
  • Registration / Admission Fee.
  • Telephone Charges.
  • Visitors / Attenders Charges.
  • Ambulance Charges.
  • Charges for Diet, which is not part of the administered treatment.
  • Document Charges.
  • Toiletries.
  • Non-medical Expenses.
  • Service Charges.

These need to be settled by you directly to the hospital at the time of discharge.

For more details please contact our Insurance Help Desk at

Email: insurance@drkmcims.com
Phone: +91 91889 54804 (Call or WhatsApp)