Insurance Assistance
Annammal Hospital provides assistance to insured patients during admission and discharge, helping them understand the cashless hospitalization process and required documentation.
Steps Followed in Admitting and Discharging Patients Under Insurance Schemes
Our insurance section coordinates with the concerned insurance company or TPA to facilitate the authorization and billing process for eligible patients.
During Admission
Important steps followed for patients seeking cashless hospitalization under insurance schemes.
Insurance Section
Patients who had been advised for admission by the treating doctor are insured with any insurance company/TPA, patients/relatives are directed to the insurance section.
Insurance / TPA Verification
The incharge of the insurance section will check whether the particular TPA/insurance company is having agreement with ANNAMMAL HOSPITAL. If so, it will be proceeded for cashless hospitalization for inpatient treatment.
Pre-Authorization
A preauth will be sent through email to the TPA for authorization of treatment. Simultaneously the patient/relative will be counselled about the cashless hospitalization and the other non-medical expenditure as per IRDA guidelines that cannot be claimed.
Authorization During Admission
Authorization for insurance covered patients has to be obtained during the time of admission. In case of emergency patients, get emergency number from the TPA detailing patient's condition.
In Case Authorization Is Not Approved
If the authorization is not approved under any circumstances, it will be immediately informed to the patient/attender. The patient is advised to continue the treatment under payment category and advise to apply for reimbursement from the TPA.
During Discharge
The following process is followed before an insured patient is discharged from the hospital.
Bill & Medical Record Verification
When the treating consultant orders to discharge the patient, concerned ward nurse checks for all the bills (pharmacy, investigations and other procedures if any) during the stay of patient of patient and hand over the patients Medical record to the Insurance incharge.
Bill Preparation
Now the Insurance in charge prepares on the bill based on the tariff and conditions agreed between the hospital and the concerned TPA.
Patient Acknowledgement
The patient's signature is taken on the bill as token of acknowledgement of services billed.
Documents Sent to TPA
The Insurance in charge emails the bill and the discharge summary to the TPA.
Full Authorization
If full authorisation is received patient is discharged by following the normal procedure.
Clearance of Non-Medical Expenses
The Insurance in charge requests the patient to clear any amount due towards non-medical expenses (ambulance charges, telephone charges etc) and amount exceeding the permitted coverage for his/her insurance towards medical expense at the cash counter.
Need Help With Your Insurance Process?
Our insurance section is available to guide patients and attendants through the required authorization and billing procedures.