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The medical specialists and support teams at VMCH are always committed to providing rigorous, patient-focused, and unburdened claim assistance for insured patients. We are proudly associated with a wide network of insurance providers. Availing cashless hospitalization at the VMCH insurance help desk is a completely hassle-free process. Patients carrying their insurance card, government ID, and medical records make it seamlessly easy for our insurance desk to process their claims.

Depending on your medical emergency and eligibility, our health insurance desk thoroughly reviews your healthcare policy before treatment. Ensuring smooth hospitalization as well as a stress-free claiming experience is our priority. The VMCH insurance desk takes charge right from the start, offering pre-authorization assistance, document verification, and complete claim coordination with insurers and TPAs, all the way through to your final claim settlement.Your cashless hospitalization – handled with care, every step of the way!

Medical emergencies are uncertain, and timely catch-up of medical claims can be hard and hectic at such a critical time. To reduce the burden of insurance paper fill-ups and simplify claiming formalities, our insurance help desk helps in 360°. We take charge of all claim-related procedures with speed and efficiency, and leave you free.

1.Pre-Hospitalisation:
  • Treatment Schedule: Diagnosis is planned in advance. 
  • Verification: Insurance details are verified at the time of admission.
  • Approval: Claim approval is obtained before treatment begins.
  • Time Frame: Sufficient time is available for document submission and process completion.  
  • Cashless Treatment: Arrangements are made prior to admission.
  • Process: A hassle-free, pre-informed process.
2. Emergency Hospitalisation:
  • Treatment Schedule: Immediate admission and treatment begin simultaneously. 
  • Verification: Verification begins immediately after admission.
  • Approval: Treatment and approval proceed simultaneously.
  • Time Frame: Immediate submission of documents and prompt process completion are required.
  • Cashless Treatment: Subject to the insurer’s approval.
  • Process: A swift coordination process with insurers and TPAs.
1. Link-k Insurance ΤPA Pvt Ltd (Coimbatore Corporates Only)

As a trusted Third-Party Administrator, Link-K Insurance TPA Pvt. Ltd. streamlines your healthcare claim process, from pre-authorization to reimbursement claims.

To coordinate with the TPA, our insurance help desk manages streamlined cashless hospitalization for both pre-hospitalization and emergency cases. 

Behind every claim, the proper network of patients, hospitals, and insurers can reduce your time on paperwork and approval delays. We navigate it to attain swiftness.

2. Family Health Plan Insurance TPA Ltd

(Under FHPL cashless only for below mentioned Insurance Companies)

  • Aditya Birla Health Insurance Co.
  • Aditya Birla Sun Life Insurance Co. Ltd.
  • Iffco Tokio General Insurance Co. Ltd.
  • Royal Sundaram Alliance Insurance Co.
  • Bajaj Allianz General Insurance Co.
  • Care Health Insurance Ltd.
  • Icci Lombard General Insurance Co. Ltd.
  • Sbi General Insurance Co.
3. How do you claim on insurance?

To claim on health insurance, notify your insurer even at admission, submit the required documents, which include your claim form, discharge summary, and medical bills, to attain cashless hospitalization.

4. Is fir mandatory for insurance claims?

 No, FIR is not required for all insurance claims. It is required only in specific emergencies such as accidents. Sometimes, for medico-legal cases too. In such cases, an FIR is a superior supporting document for the insurer.

Understanding your health insurance benefits is the first step toward a stress-free hospital experience. Whether it’s cashless hospitalization, claim documentation, or reimbursement procedures, VMCH covers all. We answered the most frequently asked questions to help you make informed decisions seamlessly.

Define Cashless and Reimbursement claims?

In a cashless claim, the insurer discharges the bill directly to the hospital, so the patient does not have to pay anything. In a reimbursement claim, the patient pays the hospital bills themself first, then applies it to the insurer for a refund.  At VMCH, you can avail of both cashless and reimbursement claims.

How to Initiate a Health Insurance Claim at VMCH?

To start a health insurance claim at VMCH, visit our Insurance Help Desk at admission. For planned hospitalizations, intimate your insurance company or TPA 48 to 72 hours in advance. In an emergency, the VMCH team will handle pre-authorization and all claim paperwork on behalf of the patient.

What documents do I need for a health insurance claim?

For an insurance claim, you will need your health insurance card, 

Policy document, 

Claim form, 

Discharge Summary

Hospital bills, 

Prescriptions,  

Lab reports, 

A photo identification card. 

When you are making a reimbursement claim, you should keep all of your original documents in a safe. When you are making a cashless claim, our help desk will take care of most of the paperwork for your health insurance claim.

What should I do if my insurance claim gets rejected?

Claim rejections are unavoidable sometimes. Handling them with caution helps to claim it back and make your hospitalization cashless. Figure out the reason for the claim rejection. The reasons lie in the grounds of late notification and paper submission, incomplete documentation, or policy exclusions. Our hospital’s Insurance Help Desk is always available to assist you with these sections.