Cashless insurance and empanelments
We are empanelled with government schemes, PSUs and more than thirty private insurers and TPAs. Our insurance desk handles the pre-authorisation so you do not have to.
Schemes, employers and insurers we work with
If your organisation or insurer is not on this list, call us anyway — reimbursement claims are supported everywhere, and new empanelments are added regularly.
Government schemes, PSUs and institutions
Cashless or scheme-funded treatment under the organisation's own health cover.
- TSRTC
- CGHS
- NIPER
- APSRTC
- BHEL RC Puram
- BHEL R&D
- Singareni Collieries
- ECHS
- ABS-TG
- CSIR-IICT
- Coal India
- ITC Paper Board
- TS-TRANSCO & GENCO
- RBI
- Arogyasahayatha-TG
- Arogyasahayatha-AP
- Ayushman Bharat-PMJAY
- CSIR-CCMB
- FCI
- Air India
- APERC
- Midhani
- ICAR
- Aarogyasri
- IIT Kandi
- Security Printing Press
- University of Hyderabad
Insurers and third-party administrators
Cashless pre-authorisation handled in-house by our insurance desk.
- Mediassist
- FHPL
- Good Health Plan
- Paramount
- Raksha
- Health Insurance TPA of India
- Health India Insurance TPA
- Medsave
- Heritage Health
- Vidal Health
- Star Health
- HDFC ERGO
- Future Generali
- Universal Sompo
- IFFCO Tokio
- ICICI Lombard
- Bharti AXA
- Liberty General
- Bajaj Allianz
- New India Assurance
- United India
- National Insurance
- Oriental Insurance
- Max Bupa
- Niva Bupa
- Tata AIG
- Aditya Birla
- Go Digit
- MD India
- Reliance General
- Safeway
Cashless treatment, step by step
For a planned procedure, start this at least three working days before your surgery date. In an emergency, we begin treatment first and file the paperwork alongside.
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Tell us at the time of booking
Say which insurer, TPA or scheme you are covered under when you book, not on the morning of surgery. It gives the desk time to check what your policy actually covers for eye procedures.
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We raise the pre-authorisation
Our insurance coordinator prepares the request with your clinical findings, the planned procedure and the estimate, and submits it to your insurer or TPA. You do not fill in the medical sections.
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The insurer responds with an approved amount
Approval usually comes within one to three working days for a planned procedure. What is approved is often less than the total — premium lenses and some consumables are commonly excluded.
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We show you the gap in writing
Before admission you get a single sheet: the total estimate, the approved cashless amount, and exactly what you will pay yourself and why. Nothing appears later that was not on that sheet.
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Treatment, then settlement
You pay only the non-covered balance at discharge. We settle the approved portion directly with the insurer, and give you a discharge summary and itemised bill for your records.
What to bring on the day
Missing paperwork is the single commonest reason a cashless claim gets delayed. Five minutes of preparation avoids it.
- Your policy or scheme cardThe insurance card, TPA card, CGHS or ECHS card, Aarogyasri card or Ayushman Bharat card — the physical card or a clear photo of both sides.
- A government photo IDAadhaar, PAN, driving licence, voter ID or passport. The name must match the one on the policy, so bring proof if it has changed after marriage.
- The employee or dependant ID, if applicableFor PSU, CGHS, ECHS and corporate empanelments, the serving or retired employee's ID and the dependant's entitlement card.
- A referral letter, where the scheme needs oneCGHS and some employer schemes require a referral from a designated dispensary or medical officer before a cashless claim can be raised.
- Previous eye reports and prescriptionsNot for the insurer — for us. Old reports show how fast a condition has changed, which sometimes changes the treatment plan entirely.
- A means of paying the gapWhatever your policy does not cover is payable at discharge. You will know that figure in writing before admission, never after.
Things patients are usually surprised by
Waiting periods apply to cataract
Most Indian health policies impose a waiting period — commonly two years — before cataract surgery is payable. Check your policy wording before assuming you are covered.
Premium lenses are often excluded
Insurers usually fund a standard monofocal IOL. If you choose a toric, multifocal or extended-depth-of-focus lens, the difference is normally yours to pay. We will price it before you decide.
Room rent caps affect the whole bill
If your policy caps room rent and you take a higher category, many insurers proportionately reduce every other line on the bill. Our desk will flag it before admission.
Reimbursement is always an option
If your insurer is not empanelled with us, you can pay and claim afterwards. We provide the discharge summary, itemised bill, investigation reports and any forms your insurer needs.
Questions patients ask us
Is cataract surgery covered by health insurance in India?
Usually yes, once the policy's waiting period for cataract has passed — commonly two years from the start of the policy. The approved amount typically covers a standard monofocal lens; if you choose a toric, multifocal or extended-depth-of-focus IOL, the difference is generally payable by you. We show you both figures before you decide.
Is LASIK or SILK covered by insurance?
Almost never. Laser vision correction is treated as an elective refractive procedure by Indian insurers and is excluded from nearly all policies. A rare exception is made where a documented medical reason prevents spectacle or contact lens use, and even then approval is not guaranteed.
How long does pre-authorisation take?
One to three working days for a planned procedure once we have your documents. Tell us your insurer when you book rather than on the morning of surgery, and it will be settled before you arrive.
Do you accept Aarogyasri and Ayushman Bharat?
Yes. Both are accepted, and the paperwork is completed at the hospital. Bring your scheme card and a photo ID. Our Badvel centre in Kadapa district in particular handles a high volume of scheme-funded cataract surgery.
What if my insurer is not on your list?
You can still be treated — pay at discharge and claim reimbursement afterwards. We provide the discharge summary, itemised bill, investigation reports and completed claim forms. Our desk will also tell you honestly whether your policy is likely to pay.
Will I have to pay anything if the treatment is cashless?
Often, yes — a small amount. Insurers exclude some consumables, apply co-payment clauses and fund only standard lenses. Whatever the gap is, you will see it in writing before admission rather than discover it at discharge.
Can I use my corporate group policy?
Yes, if your employer's insurer or TPA is among those we bill, and most large ones are. Bring your corporate health card and employee ID.
Check your cover before you come
Send us your insurer or scheme name and we will tell you what is likely to be covered — and what is not.