Insurance / TPA

Medical insurance is crucial for managing your health and well-being, providing peace of mind and financial security. It is particularly beneficial in unforeseen medical emergencies or accidents, relieving the financial burden on both you and your family.

This section offers valuable information about your coverage, including insurance policies, deductibles, and co-pays, to help you navigate the insurance process, making it easier to receive cashless treatment and make the most of your medical insurance coverage.

To ensure that your insurance covers your treatment with us, we recommend that you check with your insurance agent to confirm whether SGRH is on their impanelled list. The names of all impanelled Insurance/TPAs is displayed at our Insurance Helpdesk.

Our friendly and knowledgeable staff are available to answer any questions and provide personalized support to help you make informed decisions about your healthcare.

Pre-authorization Process

Pre-authorization is a process that involves seeking approval from your insurance company or third-party administrator (TPA) before receiving certain medical treatments or procedures. This step is taken to ensure that the treatment you are seeking is necessary and covered under your insurance policy. When pre-authorization is obtained, the hospital can start the required treatment based on the estimated cost. However, it is important to note that final approval is also required to be taken at the time of discharge for the exact cost of treatment.

Valid Identification prooof (KYC ): a government-issued ID card, such as a passport, driver's license, or national identification card. The identification document is used to verify the identity of the patient and ensure that the preauthorization request aligns with the policyholder's information.

Preauthorization Request Form: This form is typically provided by the insurance company or the hospital. It includes details such as patient information, policy number, treating doctor's information, and the nature of the medical procedure or treatment being sought.

Health Insurance Card/Policy Details:  You will need to provide a copy of your health insurance card or policy documents, which contain information about your coverage, policy number, and the name of the insurance company.

Doctor's Prescription: A prescription from your treating doctor recommending the specific treatment or procedure is typically required. It should include details such as the diagnosis, the recommended course of treatment, and the expected duration.

Medical Reports and Diagnosis: Documents related to your medical condition, such as medical reports, diagnostic test results, and any specialist consultation reports, should be included. These reports help the insurance company assess the necessity and appropriateness of the treatment or procedure.

Cost Estimate: A detailed cost estimate from the hospital or healthcare provider outlining the anticipated charges for the proposed treatment or procedure is usually necessary. This helps the insurance company determine the coverage amount and any applicable deductibles or co-payments.

Any Additional Supporting Documents: Depending on the nature of the treatment or procedure, additional documents may be required. These can include prior authorization letters, medical history records, imaging scans, or any other relevant medical documentation.