Insurance & Empanelments

Vivekananda Hospital, Begumpet is empanelled with leading insurance companies, third-party administrators (TPAs), and government health schemes including CGHS and Telangana EHS. Cashless treatment available subject to policy terms and pre-authorisation approval.

20+ Insurance Companies 6 TPA Partners 7 Government Schemes Cashless Treatment NABH Accredited

Verify Your Insurance: +91 72079 04418 Contact TPA Desk

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Government Schemes Insurance Companies TPA Partners Cashless Process Required Documents Reimbursement FAQ

20+

Insurance Companies

TPA Partners

Government Schemes

NABH

Accredited Hospital

30+

Years Trusted Care

Cashless Treatment at Vivekananda Hospital

Vivekananda Hospital, Begumpet is empanelled with major insurance providers and government health schemes to offer cashless treatment to patients. Cashless treatment means you do not pay upfront for medical expenses covered under your insurance - the hospital settles the bill directly with your insurer or TPA after pre-authorisation approval.

Our empanelment list is organised into three categories - Government Health Schemes, Insurance Companies, and TPA (Third Party Administrator) Partners. Empanelment status is updated periodically. Always verify your specific policy coverage by calling our hospital TPA desk at +91 72079 04418 before admission.

Government Schemes & Empanelments

Vivekananda Hospital is empanelled with these government health schemes for cashless treatment of eligible beneficiaries:

CGHS

Central Government Health Scheme - Cashless treatment for central government employees, pensioners, and their dependents. View CGHS details

Telangana EHS New

Employees Health Scheme - Cashless treatment for Telangana State government employees, pensioners, and their dependents. View EHS details

Arogya Bhadratha

Telangana Police health scheme - Cashless treatment for police personnel and their family members.

TGGENCO (formerly TSGENCO)

Telangana State Power Generation Corporation Limited - Cashless treatment for employees and dependents.

TGTRANSCO (formerly TSTRANSCO)

Transmission Corporation of Telangana - Cashless treatment for employees and dependents.

Reserve Bank of India (RBI)

Cashless treatment for RBI employees, pensioners, and dependents under the bank's medical scheme.

ESIC Staff Cashless

Cashless treatment for employees of the ESIC office under direct empanelment. Note: This is for ESIC office staff only, not regular ESI beneficiaries.

Important Notice for ESI Beneficiaries

Vivekananda Hospital provides cashless treatment to employees of the ESIC (Employees' State Insurance Corporation) office under direct employer empanelment. We do NOT accept regular ESI beneficiary cards from workers in ESI-covered organisations.

If you are a regular ESI beneficiary (with ESI card from your employer's organisation), please approach ESIC-empanelled hospitals listed in your ESI dispensary network. For specific queries about your ESI entitlement, contact your nearest ESIC office.

For ESIC office staff seeking cashless verification at our hospital, please bring your ESIC employer ID and call +91 72079 04418 before admission.

20+ Insurance Companies

Insurance Companies

Cashless treatment is available for eligible policyholders of these health and general insurance companies, subject to your policy terms, waiting periods, and pre-authorisation approval. Star Health policyholders can also see our Star Health cashless facility guide.

United India Insurance Co. Ltd.
National Insurance Co. Ltd.
Oriental Insurance Co. Ltd.
New India Assurance Co. Ltd.
Niva Bupa Health Insurance Co. Ltd.
HDFC ERGO General Insurance Co. Ltd.
Care Health Insurance Ltd.
Generali Central Insurance Co. Ltd.Formerly Future Generali India Insurance Co. Ltd.
IndusInd General Insurance Co. Ltd.Formerly Reliance General Insurance Co. Ltd.
Cholamandalam MS General Insurance Co. Ltd.
Liberty General Insurance Ltd.
Zuno General Insurance Ltd.
Iffco Tokio General Insurance Co. Ltd.
Aditya Birla Health Insurance Co. Ltd.
Star Health and Allied Insurance Co. Ltd.
ICICI Lombard General Insurance Co. Ltd.
Tata AIG General Insurance Co. Ltd.
Go Digit General Insurance Ltd.
ACKO General Insurance Ltd.
SBI General Insurance Co. Ltd.
Zurich Kotak General Insurance Co. Ltd.
Magma General Insurance Ltd.
Universal Sompo General Insurance Co. Ltd.

6 TPA Partners

TPA Partners (Third Party Administrators)

Many insurers appoint a TPA to process cashless approvals and claims. If your health card names one of these TPAs, our TPA desk coordinates directly with them for your admission.

Family Health Plan TPA (FHPL)
Heritage Health TPA
Ericson TPA
Paramount Health Services TPA
Safeway Insurance TPA
United Healthcare Parekh / Medvantage TPANow part of Medi Assist. Confirm current policy servicing with our desk.

7 Government Schemes

Government & PSU Empanelments

Cashless treatment for eligible beneficiaries of these government schemes and public sector organisations. Bring your scheme card and authorisation before admission. Details for each scheme are listed in the Government Schemes section above.

Reserve Bank of India
Arogya Bhadratha (Telangana Police)
TGTRANSCO (Transmission Corporation of Telangana)
TGGENCO (Telangana State Power Generation Corporation)
Central Government Health Scheme (CGHS)
Telangana EHS (Employees Health Scheme)
ESIC Office StaffFor ESIC office employees only; not regular ESI beneficiaries.

Insurance Companies

Insurance companies issue and sell health insurance policies to individuals or groups. They underwrite the risk and pay claims based on policy terms.

Examples aboveStar Health, HDFC ERGO, Niva Bupa (formerly Max Bupa), Care Health (formerly Religare), ICICI Lombard, Tata AIG, Zuno (formerly Edelweiss), United India, National, Oriental, New India, and others

TPAs (Third Party Administrators)

TPAs are administrative service providers who handle claims processing on behalf of insurance companies. They verify coverage and process pre-authorisation requests.

Examples aboveFamily Health Plan (FHPL), Heritage Health, Ericson, Paramount Health Services, Safeway, United Healthcare Parekh

Important Note: Insurance company empanelments are subject to periodic renewal and may change. Always verify current empanelment status by calling +91 72079 04418 before admission. If your insurance is not listed but you have an active policy, reimbursement option remains available - see Reimbursement section below.

Your Cashless Treatment Journey

Follow these steps for smooth cashless treatment at Vivekananda Hospital. Each step has clear timelines so you know what to expect.

1
2-3 days before planned admission
Verify Empanelment Before Admission
Call our hospital TPA desk at +91 72079 04418 with your insurance card and policy details. Our team verifies if your specific policy is empanelled and will be accepted for cashless. Emergency admissions outside business hours are supported - the duty team will initiate pre-authorisation immediately.
2
At hospital admission
Bring Required Documents
Carry original insurance card, photo ID (Aadhaar/PAN/driving license/passport), policy documents, doctor's admission prescription, all relevant medical reports. See the complete document checklist below.
3
Within 1-2 hours of admission
Pre-Authorisation Submission
Hospital TPA desk fills the pre-authorisation form with treatment estimate and submits to your insurance company/TPA along with supporting documents. You sign the form authorising the hospital to process your claim.
4
24-48 hours (planned) | 6-24 hours (emergency)
Pre-Authorisation Approval
Insurance company reviews and approves pre-authorisation. Approval letter specifies the approved amount and any conditions. Hospital receives confirmation and prepares for treatment.
5
If required
Refundable Deposit
For some cases, a refundable deposit may be collected pending pre-auth approval to ensure treatment can proceed. This is adjusted/refunded after final cashless settlement. Discuss with admission counsellor.
6
After approval
Treatment Proceeds
Once pre-authorisation is approved, treatment proceeds without upfront payment for covered items. Patient and family focus on recovery. Hospital handles ongoing communication with insurance/TPA.
7
For long hospital stays
Interim Enhancement
For longer stays, interim bills are sent to insurance for additional approval (enhancement). This ensures continued cashless coverage. Hospital keeps you informed of progressing bill amount.
8
At discharge
Final Settlement
Final itemised bill is sent to insurance for settlement. Insurance pays approved amount directly to hospital. Patient pays only non-covered items - room rent difference, non-medical items, deductibles, and policy exclusions.

Document Checklist

Have these documents ready at admission for smooth cashless processing.

RequiredIf applicableHelpful

Insurance CardOriginal health insurance card with policy number visible

Photo IdentificationAadhaar, PAN, driving license, or passport (original)

Policy DocumentInsurance policy document or policy schedule

Doctor's PrescriptionAdmission prescription/advice letter from treating doctor

Medical ReportsAll relevant pre-admission test reports and investigation results

Pre-Authorisation FormProvided by hospital TPA desk - signed by patient/family

Employer IDFor corporate/group policies - employer-issued ID card

Government Scheme CardFor CGHS/EHS/Arogya Bhadratha/TGGENCO etc. - scheme-specific authorisation card

Previous Hospital RecordsEarlier discharge summaries (if relevant to current admission)

Family Contact DetailsNext-of-kin details for documentation and emergency contact

Reimbursement Option

If your insurance company is not on our empanelment list, OR if cashless pre-authorisation is rejected, you can still avail your insurance benefits through reimbursement claim filing.

Step 1

Pay Upfront

Pay for your treatment at the hospital using cash, card, or UPI. Get all original receipts.

Step 2

Collect Documents

Original itemised bill, payment receipts, discharge summary, all medical reports, doctor's signatures, prescriptions.

Step 3

Submit to Insurer

Submit documents to your insurance company within 30 days from discharge (typical policy term).

Step 4

Receive Reimbursement

Insurer processes claim based on policy terms - typically 15-45 days. Eligible amount credited to your bank.

Hospital provides for reimbursement: Original itemised final bill with proper coding, payment receipts, signed discharge summary, all investigation reports, doctor's notes/prescriptions, additional documents requested by your insurer, claim form completion support. For documentation queries, call +91 72079 04418.

Don't wait until admission

Verify Your Insurance Today

Insurance empanelment status changes periodically. Avoid surprises by verifying your specific policy with our hospital TPA desk in advance.

+91 72079 04418

Policy verificationCoverage checkPre-auth guidanceDocument help

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Frequently Asked Questions

12 detailed answers covering insurance, cashless process, ESI, government schemes, and more.

Which insurance companies are accepted at Vivekananda Hospital?

Vivekananda Hospital is empanelled with 20+ insurance companies, including public sector insurers (United India, National Insurance, Oriental Insurance, New India Assurance) and private and standalone health insurers such as Star Health, HDFC ERGO, Niva Bupa, Care Health, ICICI Lombard, Tata AIG, Go Digit, ACKO, SBI General, Zurich Kotak, Magma, Universal Sompo, Zuno, Cholamandalam MS, Reliance General, Future Generali, Liberty General and Iffco Tokio. We also work with 6 TPAs: Family Health Plan, Heritage Health, Ericson, Paramount, Safeway and United Healthcare Parekh. Government empanelments include CGHS, Telangana EHS, Arogya Bhadratha, TGGENCO, TGTRANSCO, RBI and ESIC office staff.

How do I avail cashless treatment at Vivekananda Hospital?

To avail cashless treatment, bring your insurance card, photo ID, and policy documents to the hospital. The hospital TPA desk will initiate pre-authorisation request to your insurance company. Approval typically takes 24-48 hours for planned admissions and 6-24 hours for emergencies. Once approved, treatment proceeds without upfront payment. You may need to pay non-covered items separately. For specific verification, call +91 72079 04418 before admission.

What documents are needed for cashless insurance?

Required documents include - original insurance card, government photo ID (Aadhaar, PAN, driving license, passport), insurance policy document or policy number, doctor's prescription advising admission, all relevant medical reports, completed pre-authorisation form (provided by hospital TPA desk). For corporate/group policies, bring employer ID card. For government schemes, bring scheme-specific authorisation/card.

Does Vivekananda Hospital accept regular ESI cards?

Vivekananda Hospital provides cashless treatment to employees of the ESIC (Employees' State Insurance Corporation) office under direct employer empanelment, but NOT to regular ESI beneficiary card holders from other organisations. ESI beneficiaries should approach ESIC-empanelled hospitals as per their entitlement. For ESIC office staff cashless verification, please bring your ESIC employer ID.

What if my insurance pre-authorisation is rejected?

If pre-authorisation is rejected, our TPA desk will help you understand the reason and explore options. Common reasons include policy exclusions, waiting period not completed, or treatment not covered. Options include - paying out-of-pocket and filing reimbursement claim later, modifying treatment plan to align with policy, escalating with insurance company, or arranging alternative payment. The hospital does not deny necessary treatment due to insurance issues.

Can I file reimbursement if cashless is not available?

Yes. If cashless is not approved or your insurance is not on our empanelment list, you can pay for treatment upfront and file a reimbursement claim with your insurance company later. Vivekananda Hospital provides all required documentation - original itemised bill, payment receipts, discharge summary, all reports, doctor signatures, and additional documents requested by your insurer. Reimbursement processing time depends on your insurance company.

What is the difference between an insurer and a TPA?

Insurance companies (insurers) issue and sell health insurance policies to individuals or groups - examples include Star Health, HDFC ERGO, Niva Bupa and Care Health. TPAs (Third Party Administrators) are administrative service providers who handle claims processing on behalf of insurance companies - examples include Family Health Plan, Heritage Health, Ericson, Paramount and Safeway. When you have a policy, your insurer may use a TPA to process claims. Both relationships need to be empanelled with the hospital for cashless treatment.

Are diagnostic tests and OPD consultations covered by insurance?

Most regular health insurance policies cover only inpatient treatment (admissions over 24 hours). OPD consultations and diagnostic tests are typically NOT covered unless your policy has specific OPD/diagnostic riders. Some senior citizen policies and corporate policies include annual health checkup benefits. Check your policy or contact your insurer to verify what is covered. For specific queries, call our hospital TPA desk at +91 72079 04418.

How long does cashless pre-authorisation take?

Pre-authorisation timelines vary by insurance company. For planned admissions, request pre-authorisation 2-3 working days in advance - approval typically comes within 24-48 hours. For emergency admissions, the hospital initiates pre-authorisation immediately and the insurance company has 6-24 hours to respond. During pre-authorisation, the hospital may collect a refundable deposit which is adjusted against the final cashless settlement.

What government schemes does Vivekananda Hospital accept?

Vivekananda Hospital is empanelled with several government schemes - CGHS (Central Government Health Scheme), Telangana EHS (Employees Health Scheme for state government employees and pensioners), Arogya Bhadratha (Telangana Police personnel and families), TGGENCO (formerly TSGENCO), TGTRANSCO (formerly TSTRANSCO), Reserve Bank of India (RBI), and ESIC staff (employees of the ESIC office only, not regular ESI beneficiaries). Bring your scheme-specific identification card and authorisation documents.

Can I check if my specific policy is empanelled before admission?

Yes. We strongly recommend verifying your policy coverage before admission. Call the hospital TPA desk at +91 72079 04418 with your insurance card and policy details. Our team will check your policy with the specific insurer and TPA. You can also call your insurance company's customer service to confirm Vivekananda Hospital is on their empanelment list. This avoids surprises at admission time.

What costs are usually NOT covered by insurance?

Items typically not covered by health insurance include - room rent above policy limit, registration charges, attendant food charges, telephone and internet charges, cosmetic procedures, dental treatment (unless covered specifically), maternity (depending on policy), pre-existing conditions during waiting period, items deemed non-medical by policy, drugs/items not used during admission. The hospital provides itemised bill showing covered vs non-covered items separately.

Need help with your insurance?

Call our hospital TPA desk to verify your insurance, understand your coverage, or get help with cashless processing. We are here to make your treatment journey smooth.

Call +91 72079 04418 CGHS Information EHS Information Visit Hospital

Insurance & Empanelments

Jump to Section

Cashless Treatment at Vivekananda Hospital

Government Schemes & Empanelments

CGHS

Telangana EHS New

Arogya Bhadratha

TGGENCO (formerly TSGENCO)

TGTRANSCO (formerly TSTRANSCO)

Reserve Bank of India (RBI)

ESIC Staff Cashless

Important Notice for ESI Beneficiaries

Insurance Companies

TPA Partners (Third Party Administrators)

Government & PSU Empanelments

Insurance Companies

TPAs (Third Party Administrators)

Your Cashless Treatment Journey

Verify Empanelment Before Admission

Bring Required Documents

Pre-Authorisation Submission

Pre-Authorisation Approval

Refundable Deposit

Treatment Proceeds

Interim Enhancement

Final Settlement

Document Checklist

Reimbursement Option

Pay Upfront

Collect Documents

Submit to Insurer

Receive Reimbursement

Verify Your Insurance Today

Frequently Asked Questions

Need help with your insurance?