Appeal with the insurer
We help you draft an appeal letter with the medical rationale. About a third of initial denials get reversed on appeal. Takes 5-10 days.
Insurance & cashless
Forty-two insurance partners. Pre-authorisation before admission. No surprises on the bill.
If you're paying cashless, we begin pre-authorisation with your TPA before you walk in. If you're paying out of pocket, we give you a detailed estimate within four hours of consultation. Either way, the number on the bill is the number we quoted.
Talk to the insurance desk
Direct line, working hours.
Email
info@ctshospitals.com
tbd Dedicated TPA desk phone, hours, and named officer to be confirmed with the CTS administration before launch. Current numbers route through the main reception.
How cashless works at CTS
Four steps, in plain language.
1
Tell us your policy when you book
At the time of booking - or any time before admission - tell us your insurance provider, policy number, and TPA name. We verify empanelment within the same business day. If your insurer isn't on our list, we tell you so you can plan accordingly.
2
Pre-authorisation begins before you arrive
The TPA desk submits your estimated treatment plan and cost to your insurer for cashless pre-authorisation. Most insurers respond within 24-48 hours. We confirm the approved sum, your room-class eligibility, and any procedure-specific exclusions before your admission date.
3
Admission is cashless
You arrive with your policy card, photo ID, and any prior reports. No cash deposit. The treatment proceeds. If costs exceed the approved sum during treatment, we request additional authorisation in real time - this almost never delays care.
4
Discharge and claim closure
At discharge, the final bill is sent directly to your insurer for settlement. You pay only the policy excesses, co-payments, and any items outside policy coverage. We hand you a clear settlement statement so you know exactly what was paid and by whom.
What to bring
For a smooth cashless admission, bring:
-
01
Policy card
Original or digital copy. Some insurers accept screenshots of the policy app.
-
02
Government photo ID
Aadhaar, PAN, passport, driving licence, or voter ID.
-
03
Doctor's prescription
From the consultation that led to the admission.
-
04
Prior reports and scans
X-rays, MRIs, blood tests from earlier treatment. Originals or copies.
-
05
Family member or attendant
One attendant is allowed per patient. They will be needed for consent signatures and post-discharge transport.
-
06
Medication list
Anything you're currently taking - including supplements. Critical for anaesthesia safety.
When pre-authorisation is denied or part-paid
Option 1
Option 2
Option 3
It happens. Here's what we do.
Pre-authorisation can be denied for several reasons: the procedure isn't covered under your policy, the room class isn't covered, a pre-existing condition exclusion applies, or your policy has a waiting period that hasn't elapsed.
If it happens, we tell you immediately. Three options:
Convert to reimbursement
You pay the bill upfront, then submit for reimbursement after discharge. We provide the full paperwork the insurer needs. You typically recover 60-95% depending on policy terms.
EMI on the balance
For the portion not covered, we have EMI tie-ups with Bajaj Finserv, HDFC, and Arogya Finance. Up to 24 months, subject to credit approval.
Insurance partners
42 insurers and TPAs.
If your insurer isn't listed, call the TPA desk - we may be empanelled and the website list is out of date, or we may be able to convert your admission to reimbursement.
Public-sector general insurance
National Insurance Company
The New India Assurance
The Oriental Insurance
United India Insurance
Standalone health insurers
Star Health Insurance
Care Health Insurance
Niva Bupa
Aditya Birla Health
Apollo Munich Health
Manipal Cigna (TPA)
Multi-line private insurers
ICICI Lombard
HDFC ERGO Health
Bajaj Allianz Health
SBI General Insurance
Universal Sompo
Chola MS Health
Go Digit General
Acko General
Navi General Insurance
Third-party administrators
Medi Assist
Paramount Health
Family Health Plan (FHPL)
Vidal Health
Heritage Health
MD India Health
Health India Insurance
Good Health Plan (GHPL)
Genins India
Medsave Health
Alankit Insurance
Anmol Medicare
Anyuta Health Care
East West Assist
Ericson Insurance
Grand Insurance
Park Mediclaim
Raksha Health
Rothshield Insurance
Safeway Insurance
United Health Care Parekh
Vision Digital Insurance
Health Insurance of India
Don't see your insurer?
Call the TPA desk on +91 94980 33340. The list above mirrors the live ctshospitals.com partner roster - new tie-ups happen quarterly. tbd Government schemes (CMCHIS, PMJAY, ESI, CGHS, Railways, Defence) to be confirmed with CTS administration.
Government health schemes
State and central scheme empanelment.
tbd Confirm with CTS administration: CMCHIS (Chief Minister's Comprehensive Health Insurance Scheme - Tamil Nadu), PMJAY (Pradhan Mantri Jan Arogya Yojana), ESI (Employees' State Insurance), CGHS (Central Government Health Scheme), Railways, and Defence ECHS empanelment status before launch.
Get a clear answer on cost
Tell us your policy. We'll tell you what's covered.
A 5-minute phone call with the TPA desk will confirm your empanelment, your room-class eligibility, and the broad strokes of pre-authorisation for your specific procedure.