Professional Documents
Culture Documents
Sequence of Events
•Insured Member gets admitted in Hospital which is on HealthIndia panel
Preauthori (Network Hospital)
zation •The Network Hospital sends a preauthorization request to HealthIndia through a
Request dedicated mail id
•The preauthorization request(PA) is verfied based on the member id / policy
Registerat number / employee id and the Insurance Company.
ion of •Based on the verified credential a Claim Number is generated and the
Preauthor documents received from the hospital are uplaoded against it.
ization •Activity performed by an executive.
Request
•The registered claim number reflects under the medical team bucket.
•The doctor "picks" the claim , reviews the documents received from the hospital
Scrutiny of and adjudicates the claim based on the policy terms and conditions of the
PA Insurance Company under which the member is enrolled.
Request
•After receipt of all the necessary information from the Network Hospital and / or
the treating doctor, the claim will either be approved or recommended for denial to
the Insurance Company.
•A few Insurance Companies have permitted HealthIndia Insurance TPA with an
Final authority limit to approve the PA request.
Status •Claims above the sanctioned authority limit over and above HalthIndia's auhtority
are referred to the Insurance Company's allocated team for approval.
•All preauthorization request denials need Insuarnce Company's approval prior to
conveying the decision to the Network Hospital and the Member.
•The approval / denial of the claim is sent to the Network Hospital by executives.
Cashless SOP (1)
Customer approaches Insurance company Network Hospital for Cashless
treatment
Hospital verifies customer details and sends the Pre‐Authorization form
duly completed by Email
Health India verifies preauthorization request details with policy benefits
& conveys decision to the provider
Provider treats the Required additional
patient information received
Insured pays the hospital
from the provider
for the treatment taken
and may file the claim for
Provider collects NMEs reimbursement
from Insured