INSURANCE EXPLAINED
Insurance & TPA, in plain language
Cashless treatment and insurance claims can feel confusing. This page walks you through how it works at Fehmida Hospital & Fertility Centre, one step at a time.
THE BASICS
How insurance & TPA works here
Many patients use health insurance or a Third-Party Administrator (TPA) to reduce out-of-pocket costs for treatment at Fehmida Hospital & Fertility Centre. Coverage and process depend entirely on your specific policy and insurer.
Some treatments may be eligible for cashless settlement, where the insurer pays the hospital directly. Others are reimbursed after you pay and submit a claim. Always confirm the process with your insurer before treatment.
8+
Insurers & TPAs coordinated with
24/7
Emergency admission available
INSURANCE & TPA
Insurers & TPAs we coordinate with
Coverage and empanelment change frequently. Please verify directly with us or your insurer before treatment.
NOT SURE?
Give us a call and our front desk will help you understand your options.
Bharti AXA & Edelweiss
Reported by aggregator listings among insurers with treatment coverage at our facility.
Future Generali & Max Bupa
Also reported among insurers associated with the practice by third-party health directories.
Tata AIG & IFFCO Tokio
Reported as corporate/insurance tie-ups for coordination on treatment and consultations.
Aditya Birla Health & Care Health
Additional insurance panels reported by Practo's clinic profile for this practice.
Not sure if yours is covered?
Call our front desk before your visit and we will check what we can confirm about your specific policy.
HOW TO APPLY
Using your insurance, step by step
Most patients move through four stages. Ask our front desk for help at any point along the way.
01
Check your policy
Call your insurer or TPA to confirm your sum insured, network hospital status and cashless eligibility.
02
Gather your documents
Bring your policy card, ID proof and any referral letter. For planned procedures, ask us for a cost estimate to share with your insurer.
03
Inform our billing desk
Tell our billing team you plan to use insurance before treatment, so they can help coordinate directly with your TPA where possible.
04
Treatment & settlement
For cashless cases, we coordinate settlement directly with your insurer. Otherwise, keep your bills and reports to file a reimbursement claim yourself.
FUNDING
Cashless vs reimbursement
There are three common ways to settle your bill here, depending on your policy and preference.
01
Cashless Settlement
Your insurer pays the hospital directly for eligible treatment, so you avoid paying the covered portion upfront.
Pre-authorization required
Subject to policy terms
Transport
02
Reimbursement Claim
You pay for treatment upfront, then submit your bills and reports to your insurer for reimbursement.
Keep original bills
Submit within claim window
Our billing desk can help
03
Self-Pay
For treatment not covered by your policy, or if you would rather not file a claim, pay directly and manage your own records.
No paperwork delays
Full choice of treatment
Itemized invoice provided
PLAN DOCUMENTS
Documents to bring
Having these ready speeds up billing and any insurance coordination.
Insurance / TPA Card
Your policy card and a photo ID, so we can verify your coverage details.
BEST FOR
Required for any cashless coordination attempt.
Referral Letter
A referral from your regular doctor, if you have one, helps us understand your history.
BEST FOR
Speeds up your first consultation.
Previous Reports
Past scans, blood work or discharge summaries relevant to your visit.
BEST FOR
Helps Dr. Fehmida Shaikh assess your case faster.
GLOSSARY
Insurance terms explained
Insurance paperwork uses a lot of jargon. Here are the terms you are most likely to hear.
SIL
Cashless Treatment
The insurer pays the hospital directly for covered treatment, so you don't pay the covered amount upfront.
SDA
TPA (Third-Party Administrator)
A company that processes health insurance claims and cashless approvals on behalf of your insurer.
STA
Pre-Authorization
Approval obtained from your insurer or TPA before a planned procedure, confirming it will be covered.
MTA
Sum Insured
The maximum amount your policy will pay out in a policy year.
SC
Reimbursement Claim
Submitting your paid bills and medical reports to your insurer to be paid back after treatment.
NDIA
Co-payment
A portion of the bill you remain responsible for even after insurance covers the rest, as set by your policy.
