Introduction
Health insurance products are emerging as major components in the portfolio of insurance companies. All the industries and corporate sectors have standardized medical costs for their employees by medical reimbursement health scheme having tie up with the corporate hospitals.
Aravind Eye Hospital has established a exclusive Corporate Relations Department to cater to the needs of patients covered by Insurance and corporate.The department is well supported by a team of dedicated, committed and specially trained staff in Insurance and medical reimbursement modalities to resourcefully manage day-to-day requirements of the department.
PROCEDURES FOR CASHLESS HOSPITALIZATION
Patient Insurance Information database
Patients with Medical Insurance or Medical Reimbursement who should undergo daycare procedures or any eye surgery are registered for Health insurance details, The details would include Name, age, ID number, Policy number, Nature of illness, Diagnosis and Treatment to be given and estimated cost of the procedure or treatment with patient declaration of medical insurance scheme of respective insurance company.
Authorization
After the pre-authorization request has been sent by the hospital to the respective insurance / corporate, it takes a minimum of 24 hours for the hospital to get the approval or authorization for the patient’s treatment. For planned surgery or treatment the hospital treat the patient, only after the approval from the insurance / corporate. In case of emergency the patients are admitted and the same will be informed to the insurance / corporate at the earliest.
The Staff members of the Corporate relations department interact and coordinate with the respective insurance / corporate and companies for further clarification or explanation. After the approval from the insurance / corporate, the patient will be informed the same accordingly.
Treatment
Cashless hospitalization and treatment are provided to the patients only with approval of the company. Patients should sign necessary documents to facilitate claim processing for the hospital. Patients who don’t get approval due to some reason stated by the insurance company are also treated under general patients category without Cashless hospitalization benefits.
Claim processing
Aravind Eye Hospital has developed a checklist of documents to be submitted for each insurance / corporate for fast claim processing. This cashless facility available at Aravind Eye Hospital will create expeditious and hassle free facility for admission as it is recognized by all the insurance and leading corporate companies.
