What if my cashless claim is denied?

With HealAssist, cashless rejection is extremely rare because we pre-screen the hospital. However, if it happens (e.g., due to a technical error), we draft the medical justification letter for the doctor and fight for re-approval instantly.

Do you support reimbursement claims?

Yes. If you choose a non-network hospital, we collect all original documents (Discharge Summary, Final Bill, breakdown) and guide you on filing the reimbursement claim yourself, ensuring no document is missing.

Can I use my corporate insurance for my parents?

Yes. We check your policy for 'Parental Sub-limits' and 'Co-payment' clauses. We also help you unlock the 'Corporate Buffer' if your base sum is low.

Do you offer medical loans for uncovered amounts?

Yes. For costs not covered by insurance (like premium multifocal lenses or non-medical items), we arrange instant 0% EMI medical loans so you don't feel the financial burden.

What is pre-authorization (Pre-Auth)?

Pre-authorization is the approval you get from your insurer or TPA before admission. HealAssist handles the Pre-Auth form and paperwork at the hospital TPA desk, so you don't have to. We ensure it matches the insurer's requirements to avoid technical rejections.

How long does cashless approval take?

Standard turnaround is 3–4 hours. With HealAssist, our error-free submission and follow-up often speeds this up. We chase the insurer every hour until approval, so you can relax in the waiting area or go home.

The HealAssist Insurance Shield: 100% Cashless, 0% Stress

Hospitals often have 'hidden ratings' with insurers that patients don't know about. We steer you to 'Green-listed' hospitals where your claim is likely to be approved instantly, avoiding the 'Yellow' or 'Blacklisted' facilities that cause delays.

Free cashless claim support—no processing or file charges. Learn about our zero fees policy.
4-step process: Safety Check, Pre-Auth at hospital, Approval Watch, Discharge Audit. See our booking process.
Support for Ayushman Bharat (PMJAY), CGHS, ECHS, and corporate insurance. Explore getting started.
We steer you to Green-listed hospitals to reduce claim rejection risk. Learn about hospital selection.
Zero rejection guarantee: we fight for re-approval if a technical rejection occurs. Understand our guarantee protection.

How to Claim Cashless Insurance: 4-Step Process

Our proven process ensures your cashless claim is approved quickly and smoothly.

Step 1

The Safety Check

Share your Policy Number / ID Card during booking (Step 3) or with your HealAssistant. We verify if the hospital is 'Green-listed' by your insurer. Learn more about booking process and hospital selection.

Step 2

The Physical Shield

Arrive at the hospital. Your HealAssistant meets you at the TPA desk. We fill out the Pre-Auth form, attach the correct past consultation papers (to prove no pre-existing ailment non-disclosure), and submit it. Explore our on-site support and expert assistance.

Step 3

The Approval Watch

Relax in the waiting area or go home. We chase the insurer every hour. Standard TAT is 3-4 hours, but our error-free submission often speeds this up. Learn about our tracking system and approval process.

Step 4

The Discharge Audit

Get discharged without waiting hours for the final bill. We ensure the final bill matches the approval, handle any 'Non-Medical Expenses' (NME), and hand you the zero-balance slip. Learn more about our bill audit process and discharge protection.

How We Guarantee Your Claim Approval

Our comprehensive approach ensures your cashless claim is approved quickly and smoothly

Insider Intelligence

We check the hospital's 'Credit Score' with your insurer before you book. We avoid hospitals flagged for inflated billing to ensure your claim sails through. Learn more about hospital selection and booking process.

Proactive Pre-Auth

Your dedicated HealAssistant is physically present at the hospital. They manage the TPA desk, ensuring paperwork matches the insurer's exact SOPs (Standard Operating Procedures) to prevent technical rejections. Explore our on-site support and expert assistance.

Bill Auditing

We audit the hospital's draft bill before it goes to the insurer. We block 'Upcoding' (adding unnecessary items) to save your Sum Insured for future needs. Learn about our bill protection and transparency standards.

Zero Processing Fees

Hospitals often charge ₹500-₹2,000 as 'File Charges.' HealAssist waives this. You pay nothing for our claim support. Learn more about our zero fees policy and cost transparency.

Trusted by Major Insurers & TPAs

We work seamlessly with all major insurance companies and Third Party Administrators across India

Top Insurance Companies

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Top Third Party Administrators (TPAs)

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And many more insurers and TPAs across India

Ethical Protection (The "Honest Bill" Promise)

We protect you from hidden charges and billing fraud while maintaining complete transparency

Room Rent Mapping

We map your policy's "Room Rent Limit" to the hospital's inventory. We prevent you from picking a room that triggers "Proportionate Deduction", saving you thousands in out-of-pocket costs. Learn more about cost protection and package inclusions.

No Manipulation

We never ask hospitals to fake a diagnosis. If a condition (like a 2-year cooling period for Hernia) isn't covered, we tell you upfront and help you find the best cash rate or Medical Loan options instead of risking a fraud rejection. Explore our financing options and transparent approach.

Government Schemes & Corporate Buffers

Full support for government health schemes and corporate insurance benefits

Ayushman Bharat (PMJAY)

Full end-to-end support for eligible families. We identify hospitals with active quotas. Learn more about our booking process and getting started.

Learn more

Central/State Schemes

Expert handling for CGHS, ECHS, ESIC, and Haryana Govt Employees. We ensure your referral letters and plastic cards are valid for cashless entry. Use the links below for each scheme. Explore our appointment support and cashless process.

CGHS ECHS ESIC Haryana Govt Employees

Corporate Buffer Usage

For corporate employees, we help you utilize your 'Parental Buffer' if your base sum insured is exhausted, ensuring your parents get coverage. Learn about our family management and corporate support.