Clinic with extraordinary features | Andal Lakshmi Clinic

Cashless Hospitalization & Insurance Empanelment

CASH LESS TREATMENT

Dr. Andal's Lakshmi Fertility Clinic facilitates cashless treatment and reimbursement claims for eligible inpatient admissions, fertility-related surgical procedures, and obstetric care. Cashless access is administered through empanelled Third Party Administrators (TPAs) and recognized General/Standalone Health Insurance companies, subject to the specific terms, conditions, and coverage limits of the patient's individual health policy.

Empaneled Third-Party Administrators (TPAs)

S. No.	Third-Party Administrator (TPA)	Empanelment Status
1	Medi Assist Insurance TPA Pvt. Ltd.	Active Network
2	Vidal Health TPA Pvt. Ltd.	Active Network
3	MDIndia Healthcare Services (TPA) Pvt. Ltd.	Active Network
4	Paramount Health Services & Insurance TPA Pvt. Ltd.	Active Network
5	Family Health Plan Insurance TPA Ltd. (FHPL)	Active Network
6	Heritage Health Insurance TPA Pvt. Ltd.	Active Network
7	Health India Insurance TPA Services Pvt. Ltd.	Active Network
8	Raksha Health Insurance TPA Pvt. Ltd.	Active Network
9	Good Health Insurance TPA Ltd.	Active Network
10	Medsave Health Insurance TPA Ltd.	Active Network
11	Safeway Insurance TPA Pvt. Ltd.	Active Network
12	Genins India Insurance TPA Ltd.	Active Network
13	East West Assist TPA Pvt. Ltd.	Active Network
14	Ericson Insurance TPA Pvt. Ltd.	Active Network
15	Dedicated Healthcare Services (India) TPA Pvt. Ltd.	Active Network
16	Alankit Insurance TPA Ltd.	Active Network
17	E-Meditek Insurance TPA Ltd.	Active Network
18	Medicare TPA Services (I) Pvt. Ltd.	Active Network
19	United Healthcare Parekh TPA Pvt. Ltd.	Active Network
20	Spurthi Meditech TPA Solutions Pvt. Ltd.	Active Network
21	Focus Health Services TPA Pvt. Ltd.	Active Network
22	AnyutaMedinet Healthcare TPA Pvt. Ltd.	Active Network
23	Anmol Medicare Insurance TPA Ltd.	Active Network

Direct Health & General Insurance Companies

S. No.	Insurance Company	Category	Notes / Updates
1	Star Health and Allied Insurance Co. Ltd.	Standalone Health	Direct Cashless / In-House TPA
2	Care Health Insurance Ltd.	Standalone Health	Formerly Religare Health Insurance
3	Niva Bupa Health Insurance Co. Ltd.	Standalone Health	Formerly Max Bupa Health Insurance
4	ICICI Lombard General Insurance Co. Ltd.	General Insurance	Includes erstwhile Bharti AXA General Insurance
5	HDFC ERGO General Insurance Co. Ltd.	General Insurance	Includes erstwhile Apollo Munich Health Insurance
6	The New India Assurance Co. Ltd.	Public Sector General	Processed via Empanelled TPAs
7	National Insurance Co. Ltd.	Public Sector General	Processed via Empanelled TPAs
8	The Oriental Insurance Co. Ltd.	Public Sector General	Processed via Empanelled TPAs
9	United India Insurance Co. Ltd.	Public Sector General	Processed via Empanelled TPAs
10	Future Generali India Insurance Co. Ltd.	General Insurance	Direct / TPA Coordination
11	Cholamandalam MS General Insurance Co. Ltd.	General Insurance	Direct / TPA Coordination
12	IFFCO TOKIO General Insurance Co. Ltd.	General Insurance	Direct / TPA Coordination
13	Royal Sundaram General Insurance Co. Ltd.	General Insurance	Direct / TPA Coordination
14	Reliance General Insurance Co. Ltd.	General Insurance	Direct / TPA Coordination
15	Universal Sompo General Insurance Co. Ltd.	General Insurance	Direct / TPA Coordination

Cashless Admission Workflow & Patient Guidance

Planned Hospitalization:

For elective procedures, obstetrical deliveries, or scheduled surgeries, submit the patient’s health insurance card, government-issued photo ID (Aadhaar/PAN), and doctor’s admission advice at the Hospital Insurance Desk at least 48 to 72 hours prior to admission.

Pre-Authorization Processing:

The hospital insurance coordinator submits the cashless pre-authorization request to the respective TPA/Insurer. The initial approval (Initial Sanction Letter) is issued directly by the insurance company based on policy eligibility.

Emergency Admissions:

For urgent admissions, pre-authorization is submitted within 24 hours of hospital admission.

Final Bill Settlement & Discharge:

Upon clinical discharge, the final bill along with medical summaries is transmitted to the insurer. The final sanction letter is issued after auditing by the TPA/Insurer.