General Insurance

Vidhya Hospitals and Trauma Centre Lucknow, a premier healthcare provider, offers extensive general insurance services, ensuring comprehensive patient coverage. The hospital collaborates with numerous Third-Party Administrators (TPAs), broadening its network and providing ease of claim settlement to the insured. This multi-specialty hospital has tie-ups with leading private insurance companies, allowing patients to avail of cashless treatments and financial security in times of need. Vidhya hospitals also serves corporate clients, offering insurance services catering to their employees’ health and wellness needs. Various corporations impanelled the hospital to provide advanced medical treatments under corporate health insurance plans. In addition, the hospital participates in government schemes like Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, Pandit Deendayal Upadhyay Rajya Karmchari Cashless Yojana and CGHS. These collaborations make healthcare affordable and accessible for low-income groups and government employees. The hospital is associated with several government organizations, providing comprehensive health services to their employees and families. Their service extends to cover various medical conditions, providing top-quality healthcare for all. Vidhya Hospital’s alliance with TPAs, insurance companies, government schemes, and organizations signifies their commitment to offering seamless, affordable, and high-quality healthcare to all segments of society.

List of TPAs, Insurance companies, Government Schemes and Organization tied ups with Vidhya Hospital, Lucknow

Please click appropriate option for details.

Policies & Procedures

Vidhya Hospitals is empanelled with most of the reputed insurance providers. We also accept employer covered insurance services. Cashless facility is subject to the terms & conditions in the policy.
Pre Admission and Admission Requirement

In case of a planned admission, you would have first consulted a doctor who in turn would have advised you on the probable date of hospitalization. In such a case, you must apply for approval of the estimated hospital expenses directly by your TPA at least 4-5 days before the date of hospitalization. In case you have not applied for pre-authorization sufficiently in advance, or if the doctor treating you advises you to get hospitalized immediately after the consultation, our corporate Help Desk (Phone: +91 7521000956) will assist you through the pre-authorization procedure. However, the Corporate Help Desk is only a facilitator and can in no way influence the decision on the approval. Your TPA may not approve your form due to any of the following reasons:

  1. If the ailment for which you are hospitalized is not covered in your policy.
  2. If the information contained in the pre-authorization form is insufficient to approve the request, though most of the time the TPA will request the hospital if additional information is needed.
  3. If you have exhausted the sum assured for that year.
The Pre- authorization procedure is detailed below

Step 1: Establish contact with the Corporate Help Desk at the Hospital.

Step 2: At the Corporate Help Desk, you need to present the original Health Insurance card issued to you by your TPA.

Step 3: Collect the pre-authorization forms of your TPA.

Step 4: Your pre-authorization from has two sections-General details on the insurance policy- to be filled by you (the Corporate Desk assists you in case you have any difficulty).The Treatment recommended for you to be filled in and duly signed by the doctor who is treating you (Do not attempt to fill this section, contact the Corporate Desk in case of any difficulty)

Step 5: Return the Completed form to the Corporate Help Desk. The personnel at the Desk will verify the form for its completeness and let you know in case of any discrepancy.

Step 6: Once the form is complete in all respects, the Corporate Help Desk faxes the form to the office of your TPA.

Step 7: The Corporate Help Desk reverts to you on the approval/denial status.

Step 8: At the time of admission, you shall be required to make a deposit payment of Rs.5000 which shall be refunded post-discharge, subject to completion of all formalities.

Emergency

In an emergency hospitalization, the important thing is to get the patient treatment at the earliest. The Corporate Help Desk takes up your case on a fast track basis with your TPA and is likely to receive approvals within 6 hours during any working day.

Step 1: Show your health insurance card and fill in the pre-authorization form.

Step 2: The Corporate / TPA desk in the hospital will fast-track the process for your cashless process but in case you cannot wait for the approval, you can pay the deposit demanded by the hospital and start the treatment and get your expenses reimbursed later on from TPA.

Step 3: Generally the time taken to process an emergency case is 6 hours, but varies from one to other insurance company / TPA. You need to follow up with the TPA to know the status of Your request.

Getting Discharged - You are required to

Settle the difference, if any, if your bill exceeds the designated insurance amount.

  • Check all the bill and prescriptions for any medicine that is billed about not administered to you.
  • Note the total amount of the bill for your records for further purpose.
  • Submit all the medical documents including the lab reports, claim forms, discharge summary and final bill of the hospital before being discharged.

This hospital then submits all necessary documents to TPA. TPA processes the bill by eligibility and actual cost. TPA makes the claim payment to the hospital or patient (as per the policy terms and actual cost). You shall, then, be refunded the deposit amount of Rs.5000 with deduction if any.

FAQ

What if the Cost for treatment exceeds the approved sum?

Generally, the TPA only approves a part of the expenses of the treatment and only after the hospital sends the final bill along with the discharge summary and other reports.

Does TPA approve the entire amount?

Sometimes the hospital requests the TPA to increase the approved amount, if needed during the treatment.