Ayushman Bharat (PM-JAY), General Health Insurance & Cashless Mediclaim Desk
Empanelled Claim Support for Star Health, Care, HDFC ERGO, ICICI Lombard, CGHS & PM-JAY
Healthcare Purpose & Patient Benefits
Hospitalization expenses should be covered by health insurance without putting financial stress on patients. AYUSH SHUBHAM INSTITUTE OF MEDICAL SCIENCES houses an active Non-Life General Health Insurance & Cashless TPA Coordination Desk. We guide patients in utilizing Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) Golden Cards, corporate group mediclaim policies, and individual private health insurance plans.
हिंदी विवरण: अस्पताल में भर्ती होने पर इलाज का खर्च आपकी बीमा पॉलिसी द्वारा वहन किया जाना चाहिए। आयुष शुभम इंस्टीट्यूट ऑफ मेडिकल साइंसेज का कैशलेस मेडिक्लेम और टीपीए डेस्क मरीजों को आयुष्मान भारत (PM-JAY) गोल्डन कार्ड, प्राइवेट हेल्थ इंश्योरेंस और सरकारी कर्मचारियों की बीमा योजनाओं का पूरा लाभ उठाने में मदद करता है।
Insurance Regulatory and Development Authority of India (IRDAI) & National Health Authority (NHA)
In alignment with IRDAI circulars mandating coverage for AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) on par with conventional allopathic hospitalization.
Key Operational Features & Highlights
Meticulously engineered for zero patient friction, legal compliance, and maximum medical relief.
Ayushman Bharat PM-JAY Facilitation Desk
Free verification of Golden Card eligibility, e-card downloading, and empanelled partner network admission guidance.
Cashless Pre-Authorization for Private Insurers
Direct liaison with Third-Party Administrators (TPAs) for Star Health, Care Health, HDFC ERGO, ICICI Lombard, Niva Bupa, and Aditya Birla Health.
IRDAI AYUSH Treatment Claim Parity Compliance
Complete documentation for Panchakarma, spine therapies, and chronic disease inpatient care as recognized under latest IRDAI healthcare mandates.
Reimbursement Claim Docket Preparation
For non-cashless plans, we assemble indexed claim dockets with discharge summaries, itemized bills, medicine receipts, and investigation reports.
Eligible Treatments & Care Covered
The following clinical modalities and hospital admissions are eligible for assistance under this category:
- Inpatient Hospitalization for Severe Degenerative Spine & Spondylosis
- Classical Panchakarma Inpatient Admissions (Minimum 24-Hour Stay)
- Severe Chronic Sciatica, Disc Prolapse & Radiculopathy Clinical Care
- Paralysis Hemiplegia / Paraplegia Inpatient Rehabilitation
- Complicated Rheumatoid Arthritis & Inflammatory Joint Management
Required Patient Documentation
Please carry or upload the following verified identification records when visiting our financial desk:
- ✓Health Insurance Card / Policy Schedule / PM-JAY Golden Card
- ✓Patient Photo ID (Aadhaar / Voter ID / Driving License)
- ✓Doctor Consultation Slip & Admission Recommendation Memo
- ✓Previous Medical Investigations, MRI Scans, and Discharge Slips
How It Works: 4-Step Patient Journey
Designed for clear, zero-waiting assistance from first contact to discharge.
Present Insurance Card at Hospital Helpdesk
Submit policy copy or Ayushman Golden card at the time of doctor consultation.
Pre-Authorization Form Submission
TPA desk fills standard cashless request form with clinical justification and uploads to the insurance portal.
TPA Initial Approval Received
Insurer issues initial cashless guarantee letter within 2 to 4 hours.
Cashless Discharge & Final Claim Clearance
On therapy completion, final bill is sent to TPA; patient walks out paying only non-medical consumables.
Instant Institutional Transfer via Axis Bank Merchant QR
Scan the verified AYUSH SHUBHAM AYUR VIGYAN QR code with Google Pay, PhonePe, Paytm, or BHIM. Instant computerized receipt generated with booking reference #APPT-XXXX.
Frequently Asked Questions: Insurance (Non-Life Insurance)
Yes. Per IRDAI guidelines effective 2024, all health insurance companies in India are required to cover AYUSH treatments (including Ayurveda and Panchakarma) on par with allopathic hospital care when prescribed for active disease management.
हिंदी: हाँ! आईआरडीएआई के 2024 के नए नियमों के तहत सभी बीमा कंपनियों के लिए आयुर्वेद और पंचकर्म उपचारों को भी कवर करना अनिवार्य किया गया है।
Explore Other Patient Financial & Insurance Services
Review all 7 institutional financial services compliant with RBI, IRDAI, and Section-8 regulations.
100% Secure Digital Healthcare Payment Gateway & Remittance Desk
Instant UPI, Debit/Credit Cards, Net Banking & Telemedicine Remittance under RBI Compliance
Patient Medical Care 0% Interest EMI & Healthcare Credit Assistance
Flexible 3 to 12-Month Treatment Financing for Chronic Spine, Paralysis & Panchakarma Therapies
Patient Welfare Trust Fund, BPL Subsidies & Healthcare Relief Activities
Section-8 Non-Profit Medical Welfare Grants for Economically Weaker Sections (EWS)
Patient Life Insurance, Accidental Cover & Family Protection Guidance Desk
Navigating Critical Illness Riders, Living Benefits & Palliative Family Protection Policies
Insurance Agents, Brokers & Institutional TPA Claim Coordination Desk
Fast-Track Pre-Authorization, Standardized Discharge Records & Agent Liaison Desk
Section-8 Non-Profit Financial Governance, 80G Tax Benefits & MCA CSR Allocation
Statutory Audits, Corporate CSR Project Deployment & Transparent Institutional Banking
Consult with Our Patient Financial Counselor Today
Get immediate clarity on your insurance coverage, zero-cost EMI eligibility, or charitable trust fee waivers.