Private Insurance & TPA
If you hold a health policy, cancer treatment is usually claimable — and usually cashless. The difference between a smooth claim and a painful one is almost always the paperwork before admission, which is exactly the part we handle with you.
How a cashless claim works
- Step 1Share your policy detailsPolicy or TPA card at the first visit — planned treatment gives the most time to do this right
- Step 2Pre-authorisationWe send the treatment plan and estimate to your insurer/TPA for approval before admission
- Step 3Approval and admissionThe insurer approves an amount; treatment proceeds cashless against it
- Step 4Discharge and settlementThe hospital settles directly with the insurer; anything genuinely outside cover was told to you in writing beforehand
The fine print that actually matters
Three clauses decide most cancer claims. Waiting periods — many policies exclude pre-existing or specific illnesses for the first years; check your policy start date. Room-rent caps — choosing a room above your cap can proportionately shrink the whole payout, so we match the admission to your entitlement. And sub-limits or co-pay clauses — some policies cap specific treatments or make you share a percentage. Bring the policy document, not just the card, and the counsellor reads these with you before anything is scheduled.
If cashless is not possible
Emergencies, newer policies or unlisted insurers sometimes mean paying first and claiming back. In that case the paperwork discipline matters double: we ensure every bill, report and discharge summary is claim-ready, because reimbursement claims fail on missing documents far more often than on genuine grounds.
Common questions
Is cancer covered by my health insurance?
Chemotherapy is daycare — is that claimable?
Can I combine insurance with Ayushman or the CM fund?
Send us the biopsy report. We will tell you where you stand.
A second opinion costs you nothing and often changes the plan. Share your reports on WhatsApp and a surgical oncologist will review them before your first visit.