TPA, Cashless Insurance & Billing Guide

Cashless Hospitalisation Facility

Aditya Hospital (Aditya Lifeline Pvt. Ltd.) provides cashless mediclaim facilities through major public/private insurance companies and Third-Party Administrators (TPAs). Our dedicated TPA desk helps patients and families complete pre-authorization, room tracking, and final bill clearances smoothly.

How Cashless Pre-Authorization Works

Planned Admissions

Visit the TPA desk 48 to 72 hours prior to the planned surgery date.
Submit your doctor advice slip, investigation reports, and insurance e-card.
We forward the Pre-Auth application to your insurance provider for initial sanction.
Upon receiving initial approval, hassle-free admission is completed on the scheduled day.

Emergency Admissions

Patient is immediately admitted to Emergency / ICU for urgent care.
Attendants must submit policy documents and photo ID at the TPA desk within 24 hours of admission.
An initial deposit may be required until emergency sanction is received from the TPA.

Documents Required for Insurance / TPA

Please keep original and photocopies ready upon reporting to the admission counter:

Health Insurance Card / TPA E-Card

Current Year Policy Schedule Copy

Patient Photo ID (Aadhaar / Voter ID / PAN)

Employee ID Card (For Corporate Policies)

Treating Doctor's Prescription & Reports

Past Medical / Surgical Records (If any)

Hospital Billing Guidelines & Payments

Admission Deposit & Interim Bills

An initial deposit is required at the time of admission depending on the room category and estimated treatment plan.
For extended hospital stays, interim bill statements are updated at the billing counter so attendants can track daily expenses.
Payments can be made via Cash, UPI, Debit/Credit Cards, or Net Banking. Official receipts are issued for every deposit.

Non-Payable Expenses (Mediclaim)

Insurance policies do not cover certain non-medical consumables (e.g., registration fees, gloves, personal hygiene kits, diapers, admission charges).
These non-payable charges must be settled directly at the billing counter prior to discharge.
Any room rent difference (if a room category higher than policy entitlement is selected) must be paid by the patient.

Discharge Procedure & Bill Settlement

Once your treating consultant advises discharge during morning or evening rounds, the discharge process is initiated through the following steps:

Discharge Summary Preparation: The resident doctor prepares the discharge summary with medication advice and follow-up consultation dates.
Pharmacy Clearance: Any unused medicines are returned to the in-house pharmacy for final account adjustments.
TPA Final Approval (For Cashless Patients): The final bill and discharge summary are sent to the TPA for final sanction. TPA processing typically takes 2 to 3 hours after file submission.
Clearance Slip: After the remaining balance (if any) is settled, a discharge clearance slip is given to the attendant. Handing this to the nursing station releases the patient and documents.

Empanelled Insurance & TPA Networks

We process cashless claims through leading insurance companies and TPAs:

Star Health Insurance

HDFC ERGO General Insurance

ICICI Lombard

Care Health Insurance (Religare)

Niva Bupa Health Insurance

Bajaj Allianz General Insurance

New India Assurance

United India Insurance

National Insurance Company

Oriental Insurance

Medi Assist TPA

Paramount Health TPA

MDIndia Health Insurance TPA

Heritage Health TPA

Vipul MedCorp TPA

Raksha TPA

*Empanelment status may change as per corporate tie-up renewals. Please confirm with our TPA desk at the time of admission.