Skip to content
Emergency 24×7+91 94250 09922What to do
Paliwal HospitalKarond · Bhopal
Menu
Call emergency+91 94250 09922Book appointment

Insurance & cashless

Hospital bills worry families as much as illness does. Here is exactly how it works, and who to call.

Cashless treatment, explained before you’re admitted.

Our insurance desk handles pre-authorisation with your insurer or TPA, and answers Ayushman Bharat (PM-JAY) questions. Ask before a planned admission — it saves hours at discharge.

+91 88893 44493 Ask on WhatsApp

  1. Tell us early

    For a planned admission, contact the insurance desk a few days before. In an emergency, family can do this after the patient is admitted.

  2. Share documents

    Health card or policy copy, patient's Aadhaar and PAN, and the doctor's admission advice. The desk fills the pre-authorisation form.

  3. Approval from your insurer

    The hospital sends the request to your insurer or TPA. They approve, ask for more information, or decline. The desk keeps you updated.

  4. Treatment and discharge

    Approved costs are settled directly with your insurer. You pay only items your policy does not cover, such as some consumables or co-pay.

Documents to keep ready

  • Insurance health card / e-card or policy copy
  • Patient's photo ID — Aadhaar card
  • PAN card of the policy holder
  • Doctor's admission advice or prescription
  • Previous reports related to the illness
  • Employee ID (for corporate policies)

Ayushman Bharat (PM-JAY)

Paliwal Hospital appears in the PM-JAY hospital directory. Eligible families can get treatment for covered procedures up to the scheme limit without paying.

Bring the Ayushman card and Aadhaar of the patient. The PM-JAY desk will check eligibility and which treatments are covered at which unit.

Source:

Where this comes from

PM-JAY hospital directory (drlogy.com)

Applies to: Unit to be confirmed

Unit not specified in the listing.

Checked 3 Oct 2026

View source

Questions

Which insurance companies and TPAs are accepted?

The list of insurers and TPAs is being confirmed with the hospital. Until it's published, call the insurance desk on +91 88893 44493 with your policy name — they'll tell you in one call.

What if my policy isn't cashless here?

You can pay the bill and claim reimbursement from your insurer. Ask the billing desk for itemised bills, the discharge summary and all reports — insurers need originals.

How long does cashless approval take?

It depends on your insurer or TPA. Planned admissions are best started a few days in advance. Final approval at discharge can take a few hours.

What does cashless not cover?

Usually non-medical items (some consumables, toiletries, attendant food), any co-payment in your policy, and anything above your room-rent limit. The desk will explain before admission.