Insurance & Cashless
We help you understand and use your insurance.
Approvals, exclusions, room limits, discharge claims — the language is often confusing. Our insurance and claims team translates your policy into clarity, so you know what is covered before treatment begins.
Empanelled with insurers across India
Wellness Hospitals works with all major private insurers, TPAs and government schemes — across our network locations.
Private health insurance
All major Indian health insurers and TPAs. Both individual and group/corporate policies.
Government schemes
Aarogyasri (Telangana / Andhra Pradesh), CGHS, ECHS, Railways, and select state schemes.
Corporate partnerships
Employee health programs, on-site clinics and tailored claims handling for HR teams.
For the full list of empanelled insurers for your specific Wellness Hospitals location, contact our insurance desk.
How cashless hospitalisation works
Planned admissions get the smoothest experience. Bring your policy ID and a government photo ID — we will handle the rest.
- 01
Share your policy details
Email or carry a copy of your insurance card / policy schedule. We confirm empanelment for your specific insurer in minutes.
- 02
Pre-authorisation submission
Our team submits the pre-auth request with the treating doctor's clinical notes and itemised cost estimate to your insurer / TPA.
- 03
Approval received
Most planned cases receive initial approval within 1–6 hours. Emergency cases are handled in parallel with treatment.
- 04
Treatment & cashless discharge
You focus on recovery. We coordinate with your insurer for any enhancements during the stay and final settlement at discharge.
What to carry
Bringing these on the day of admission helps us complete pre-auth faster.
Insurance e-card or policy schedule
Government photo ID (Aadhaar / PAN / Driving licence)
Doctor's prescription or referral note
Past medical records relevant to the admission
Recent investigation reports (last 6 months)
Health-scheme card if applicable (Aarogyasri / CGHS / ECHS)
Two recent passport-size photographs
Contact details of the primary insured (if you are a dependent)
Common Questions
About insurance, cashless and claims.
No more insurance surprises.
Send us your policy and the planned procedure. We will tell you what is likely to be covered before you commit.