Insurance & cashless

Standard cashless pre-authorization takes 3–4 hours

How cashless pre-authorization works with HealAssist: the standard process takes 3–4 hours, with hourly insurer follow-up and immediate re-filing if it is rejected.

Check if your insurance covers a procedure

How to submit a HealAssist coverage check for your insurer, TPA or government scheme, what happens to it, and how to read the result — including a "Not eligible" one.

If your cashless pre-authorization is rejected

What HealAssist does when an insurer rejects your cashless pre-authorization: re-filing, appealing, reimbursement or self-pay, reviewed case by case.

Find hospitals that accept your insurer for cashless

How to find cashless hospitals for your insurer on HealAssist: pick your city and specialty first, read the TPA desk and pre-auth columns, then confirm with a pre-auth.

Help with paying for treatment: medical financing

HealAssist can connect you with medical financing partners — Bajaj Finserv, Tata Capital, Arogya Finance and SaveIN — who offer 0% EMI options for 3–6 months.

Does HealAssist charge a fee to process my insurance claim?

No. You pay no claim processing or file charges through HealAssist. Hospitals typically charge ₹500–2,000 for this, and HealAssist makes sure you do not.

Room-rent limits and proportionate deductions

If your room costs more than your policy’s room-rent limit, many insurers scale down your whole claim — not just the room. HealAssist matches your room to your limit.

What if my hospital is not on my insurer’s cashless network?

You pay the hospital yourself and claim the money back from your insurer afterwards. HealAssist helps you prepare and file that reimbursement claim.

HealAssist checks your final bill before you pay it

Your HealAssistant audits the hospital’s final bill before you pay at discharge. Tell them before you pay — a wrong charge is far easier to remove then than afterwards.

Uploading documents for an insurance coverage check

Upload your policy document or insurance card as a PDF or photo, up to 10 MB. Sign in first, and check Account, then Coverage checks, for the result.

How claim track records shape our advice

HealAssist records how claims actually go at each hospital with each insurer, and uses it when advising you. What that record is, how it reaches you, and what it is not.

TPAs and insurers: who is who

A TPA is not your insurer. What the difference means for your cashless claim, and why HealAssist lists TPAs as their own category.

Sub-limits, waiting periods and what HealAssist can tell you

What the coverage facts on HealAssist mean — sub-limit, waiting period, conditions — and why they are the insurer’s position rather than a reading of your own policy.