How to Avail the Cashless Facility at SRM K.P. Cardiac Institute, Mumbai

Medical emergencies and surgeries can be both financially and emotionally overwhelming. In such situations a cashless hospital in Mumbai is a boon for the families. The Smt.S.R. Mehta and Sir K.P. Cardiac Institute (SRM K.P. Cardiac) in Mumbai provides cardiac and orthopedic care, with a cashless facility to ensure timely treatment without putting burden on the pockets immediately.

This blog will help you with a step-by-step guide to know how to avail cashless facility at SRM K.P. Cardiac Institute to make your experience smooth and hassle-free.

What is a cashless facility? 

To provide a cashless facility, many hospitals have a tie up with health insurance providers. Under this arrangement, the insurance company will be liable to take care of treatment expenses and the patient will not pay any amount at the time of admission and discharge. However, these expenses don’t cover charges like consumables or other optional services availed.

This facility is beneficial in case of medical emergency or expensive treatments, where paying immediate funds is a challenge.

About SRM K.P. Cardiac Institute

SRM K.P. Cardiac Institute is located in Sion, Mumbai and has earned its reputation as one of the best medical institutions in the city. This hospital is particularly known for super-specialty cardiac treatments, trauma care and joint replacements. This hospital has well-equipped infrastructure, excellent diagnostic equipment and skilled healthcare professionals.

The hospital is committed to affordability and accessibility. Through their cashless facility, the hospital ensures that the patient of all financial backgrounds will receive quality treatment.

Step-by-Step Guide to Availing the Cashless Facility

• Check insurance network empanelment

You must ensure that your health insurance company has tie up with SRM K.P. Cardiac Institute. Hospitals that have cashless facility available will have tie-ups with many insurance companies and third-party administrators (TPAs).

You can:

• Visit the website of the hospital to know the list of partnered insurers.
• Contact the helpdesk to confirm about it.
• Check the network of your insurance provider by visiting their websites or app.

Only empaneled hospitals can go with cashless treatment. If the hospital doesn’t come under the insurance company’s network, then you may have to follow reimbursement procedure.

• Planned vs emergency hospitalization

For planned admission:

• Let your insurance company and hospital know in advance ideally 48-72 hours before admission.
• Submit the pre-authorization form available at the hospital insurance desk.
• You must include all medical records, doctor’s recommendation, test results and ID proof.
• The hospital will submit all these documents to the insurer for approval.

For Emergency Admission:

• Let your insurance company know about the condition within 24 hours.
• Submit the pre-authorization form with all the essential documents as soon as possible.
• Hospital staff will speed up the request to the insurer.

• Documents required

For a hospital cashless procedure, you need to submit the documents as follows:

• Valid health insurance ID card with policy number
• Government issued ID cards like PAN card, aadhaar card, voter ID etc.
• Doctor’s prescription with medical history documents.
• Diagnostic test reports 
• Completed pre-authorization form

Ensure all your information should match exactly with the insurance policy details to avail a prompt service.

• Authorization and approval

After getting pre-authorization request, your insurer will:

• Check the documents
• Compare the treatment with policy coverage.
• Approve or deny the cashless facility, or can ask for additional documents.

In case of approval, your insurance company will issue a pre-authorization letter whose validity will remain for a specific duration and amount. Treatment will start after the entire procedure is completed.

• During hospitalization

During your stay:

• Keep bill copies, test reports and prescriptions.
• Keep the hospital and insurer informed regarding any complications or treatment upgrades.
• The hospital will get in touch with the insurer or TPA for extensions, if required.

• Discharge and final settlement

On the discharge day:

• The hospital staff will evaluate the overall bill and discharge summary to send it to the insurer.
• The insurer will check the bill and release payment to the hospital.
• In case of any non-payable charges like attendants’ food, cosmetic procedures etc, you need to pay for that before discharge.

Common cause for cashless claim rejection

• No coverage of treatment under your policy (e.g. cosmetic surgery or dental care)

• Expired or inactive policy

• Insufficient documentation

• Pre-existing disease clause

• Delay in intimation to the insurer

To avoid rejection, you must understand and read the policy and submit proper documents on time.

Advantages of using the cashless facility at SRM K.P. Cardiac

• No need to pay for insured treatments.
• Speed up admission and discharge process.
• Lower financial burden during critical health situations.
• Dedicated insurance helpdesk to get help in paperwork and follow-ups.
• Broad insurance network tie-ups to increase eligibility chances.

 SRM K.P. Cardiac Insurance Helpdesk Details

For more assistance with the cashless process, get in touch:

• Phone: +91-22-69105400
• Email:medical@srmkpcardiac.com
• Address: Sion-Matunga Estate, Plot No: 96 Road No: 31, Near Gandhi Market, King Circle-Sion (E), Mumbai-400 022, Maharashtra, India
• Website: https://srmkpcardiac.com

We have a skilled team in the insurance department to help you at each step right from submission to final discharge.

Final Thoughts

During medical crises, cashless medical facilities will make your life easy. We ensure that our patients can avail this facility with ease. By following the outlined steps, arranging all the necessary documents, and remaining in contact with our insurer and hospital team, you can avail cashless facility to emphasize more on critical treatment.

Whether yours is a planned surgery or an emergency trauma, we can save your time and mental stress.