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Cashless Hospitalization

Insurance & Cashless TPA

We provide hassle-free cashless hospitalization through leading Third Party Administrators (TPAs), private health insurance companies, and state/central government welfare schemes.

Insurance and TPA desk at PES Hospital, Kuppam
40+ Empanelled Insurance TPAs
Government Schemes

State & National Welfare Empanelment

Dr. YSR Aarogyasri (AP)

Full cashless coverage for eligible BPL cardholders across surgical, cardiac, oncology, and tertiary medical procedures at PES Hospital, Kuppam.

Ayushman Bharat (PM-JAY)

National health protection scheme providing ₹5 Lakh per family per year for secondary and tertiary care across both Kuppam and Bengaluru campuses.

ECHS & CGHS Empanelment

Cashless healthcare for defense veterans, retired personnel, and central government employees with dedicated pre-authorization assistance.

Private Insurers

Empanelled TPAs & Health Insurance Carriers

Our 24x7 In-House Cashless TPA Helpdesk coordinates real-time digital pre-authorization, room upgrades, and fast-track discharge claim settlements.

Star Health & Allied Insurance

Direct Health Insurer
Cashless Active Instant Pre-Auth

HDFC ERGO General Insurance

General & Health Carrier
Cashless Active Direct Settlement

ICICI Lombard General Insurance

Retail & Corporate Carrier
Cashless Active Fast-Track

Care Health Insurance (Religare)

Specialized Health Carrier
Cashless Active Digital Gateway

Medi Assist India TPA

Third-Party Administrator
Cashless Active 24x7 TPA Desk

Paramount Health Services TPA

Third-Party Administrator
Cashless Active Fast-Track

MDIndia Health Insurance TPA

Third-Party Administrator
Cashless Active Instant Pre-Auth

Vidal Health TPA (TTK)

Third-Party Administrator
Cashless Active Direct Settlement

Heritage Health Insurance TPA

Third-Party Administrator
Cashless Active 24x7 TPA Desk

Raksha Health Insurance TPA

Third-Party Administrator
Cashless Active Fast-Track

Niva Bupa Health Insurance

Specialized Health Carrier
Cashless Active Digital Gateway

Bajaj Allianz General Insurance

General & Health Carrier
Cashless Active Instant Pre-Auth
Claim Procedure

How to Avail Cashless Treatment

01

Submit Insurance Documents

Present patient's original Health Card, Aadhaar Card, Policy Document, and Doctor's Admission Slip at the Insurance Help Desk.

02

Pre-Authorization Request

Our TPA executive fills the pre-auth application and submits it digitally to your insurer/TPA within 1 hour of admission.

03

Initial Approval Sanction

The insurance company issues initial approval with an authorized sanction limit for inpatient medical management.

04

Final Settlement at Discharge

At discharge, the final consolidated itemized bill is sent for final approval. The patient settles only non-medical co-pay items.

Frequently Asked Questions

Insurance & TPA FAQ

How long does cashless pre-authorization take? +
For planned admissions, pre-authorization requests are submitted 48 to 72 hours in advance. For emergency admissions, initial approval is typically processed by TPAs within 2 to 4 hours of submission.
What are non-medical expenses (non-payable items)? +
Insurance policies generally exclude registration fees, admission fees, administrative charges, food expenses for attendants, and specific disposables (e.g., gloves, wipes, thermometers). These are settled directly at discharge.
Can I claim reimbursement if my insurance is not empanelled? +
Yes. If your policy is from a non-empanelled company, you can settle bills directly and our Medical Records Department (MRD) will provide all attested discharge summaries, itemized bills, and test reports for seamless reimbursement.
PES Hospital, Kuppam
Emergency

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