Overview
Sahaj Hospitals works with most major insurance providers and offers multiple payment options to make healthcare accessible and affordable. Our Financial Counseling team is available to help you understand costs, insurance coverage, and payment plans.Accepted Insurance
We accept insurance from most major providers and government health schemes.Major Private Insurance Providers
Health Insurance Companies- Star Health Insurance
- ICICI Lombard
- HDFC ERGO
- Bajaj Allianz
- Max Bupa
- Care Health Insurance
- Religare Health Insurance
- Aditya Birla Health Insurance
- Niva Bupa
- Manipal Cigna
- New India Assurance
- Oriental Insurance
- United India Insurance
- National Insurance
- Reliance General Insurance
This is a partial list. If you don’t see your insurance provider listed, please contact our Insurance Verification team at +91-XXX-XXXX-XXX to confirm acceptance.
Government Health Schemes
Central Government Schemes- Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
- Central Government Health Scheme (CGHS)
- Ex-Servicemen Contributory Health Scheme (ECHS)
- Employees’ State Insurance Scheme (ESIS)
- Railway Employees Health Scheme
- State-specific health insurance programs
- Government employee health schemes
- Contact our office for state-specific scheme acceptance
Corporate/Group Insurance
- Group health insurance policies from major employers
- Corporate wellness programs
- Group mediclaim policies
- Employee benefit schemes
Insurance Verification Process
Provide Insurance Information
At admission or registration, provide your insurance card and policy details. Include policy number, insurer name, and group number if applicable.
Verification
Our Insurance team verifies your coverage, including policy status, coverage limits, copays, deductibles, and covered services.
Pre-Authorization
For planned admissions or procedures, we obtain pre-authorization from your insurance company. This confirms coverage and approved amount.
Coverage Explanation
We explain what is covered, what you’ll need to pay out-of-pocket (copay, deductible, non-covered services), and collect any required deposits.
Cashless vs. Reimbursement
Cashless Treatment
How it Works:- Hospital bills the insurance company directly
- You pay only non-covered amounts, copays, and deductibles
- No need to arrange large amounts of cash
- Pre-authorization required
- Sahaj Hospitals must be a network hospital for your insurer
- Valid insurance policy in force
- Pre-authorization approved by insurer
- Treatment covered under your policy
- Policy deductible (if not already met)
- Copayment percentage (typically 10-20%)
- Non-covered services (e.g., non-medical items, attendant meals)
- Amounts exceeding policy limits
- Room rent difference if you choose upgrade
Reimbursement Claims
When Required:- Sahaj Hospitals is not a network hospital for your insurer
- Emergency admission without time for pre-authorization
- Policy requires reimbursement process
- Cashless facility not available for specific treatment
Pay Hospital Bill
Pay the full hospital bill at discharge and collect all original bills, receipts, and discharge summary.
Obtain Claim Documents
Collect claim form, detailed bill, discharge summary, medical records, pharmacy bills, diagnostic reports from the hospital.
Submit to Insurance Company
File reimbursement claim with your insurance company within the specified timeframe (typically 15-30 days from discharge).
Our Patient Services team can help you compile the necessary documents for reimbursement claims. Request a “Reimbursement Package” at discharge.
Pre-Authorization Requirements
Pre-authorization (pre-approval) from your insurance company is essential for planned treatments.When Pre-Authorization is Required
- Planned hospital admissions
- Elective surgeries
- High-cost diagnostic procedures (MRI, CT, PET scans)
- Chemotherapy and radiation therapy
- Dialysis
- Specific treatments as per your policy terms
Pre-Authorization Timeline
| Type of Care | Request Timeline |
|---|---|
| Elective surgery | 5-7 days before admission |
| Planned admission | 3-5 days before admission |
| High-cost diagnostics | 2-3 days before procedure |
| Emergency admission | Within 24-48 hours after admission |
Documents Required for Pre-Authorization
- Insurance card and policy document
- Photo ID (Aadhaar, PAN, Passport)
- Doctor’s prescription/referral letter
- Previous medical records related to condition
- Diagnostic reports (X-rays, blood tests, etc.)
- Treatment plan from your physician
How to Initiate Pre-Authorization
Option 1: Through Hospital- Contact our Insurance Desk at +91-XXX-XXXX-XXX
- Provide all required documents
- We will coordinate with your insurance company
- Receive approval confirmation (typically 24-72 hours)
- Contact your insurance company’s helpline
- Submit required documents
- Provide hospital details (Sahaj Hospitals, ROHINI Code: XXXX)
- Share approval with our Insurance Desk
Understanding Your Hospital Bill
Hospital bills can be complex. Here’s what’s typically included:Room and Accommodation Charges
- Daily room rent (varies by room category)
- Nursing care charges
- Bed and linen charges
- Housekeeping services
| Room Category | Daily Rate | Insurance Coverage Notes |
|---|---|---|
| General Ward | ₹1,500 - ₹2,500 | Usually fully covered |
| Semi-Private | ₹3,000 - ₹5,000 | Check policy room rent limits |
| Private Room | ₹6,000 - ₹10,000 | May exceed policy limits |
| Deluxe Room | ₹12,000 - ₹18,000 | Usually requires copayment |
| Suite | ₹20,000+ | Significant out-of-pocket cost |
Most insurance policies have room rent limits (e.g., “up to ₹5,000/day”). If you choose a room exceeding this limit, you pay the difference. Additionally, some policies apply proportionate deductions to all charges if room rent exceeds limits.
Medical Services and Procedures
- Surgeon fees
- Anesthesiologist fees
- Consultation charges (specialists, physicians)
- Operating room charges
- Procedure and surgery costs
- ICU/CCU charges (if applicable)
Diagnostics and Laboratory
- Laboratory tests (blood work, urinalysis, etc.)
- Radiology (X-rays, ultrasound, CT, MRI)
- Pathology services
- Specialized diagnostic procedures
Medications and Pharmacy
- Prescription medications
- IV fluids and injections
- Surgical supplies and consumables
- Take-home medications
Other Charges
- Medical equipment rental (infusion pumps, monitors)
- Oxygen and respiratory therapy
- Physical therapy and rehabilitation
- Dietary services (therapeutic diets)
- Administrative and documentation fees
Non-Covered Items (Typically)
Most insurance does NOT cover:- Attendant meals and lodging
- Personal comfort items (toiletries, tissues)
- Phone calls and internet charges
- Guest meals
- Non-medical supplies
- Cosmetic procedures
- Experimental or investigational treatments
Estimate Requests
For planned procedures and admissions, you can request a cost estimate.How to Request an Estimate
Provide Medical Information
Submit your doctor’s referral letter, diagnosis, and planned procedure details to our Financial Counseling office.
Insurance Information
Provide insurance details so we can estimate your out-of-pocket costs after insurance coverage.
- Financial Counseling Office: Ground Floor, Block A
- Phone: +91-XXX-XXXX-XXX
- Email: [email protected]
- Hours: Monday-Saturday, 9:00 AM - 5:00 PM
Payment Options
We offer flexible payment methods to accommodate your needs.Accepted Payment Methods
Cash- Accepted at all payment counters
- Maximum cash payment: ₹2,00,000 (per income tax regulations)
- Visa, MasterCard, RuPay, American Express
- No maximum limit
- Processing fee: None for debit cards; 1.5% for credit cards on amounts over ₹1,00,000
- Google Pay, PhonePe, Paytm, Amazon Pay
- UPI limit: As per bank limits (typically ₹1,00,000 per transaction)
- All major banks supported
- Online payment portal: payments.sajahhospitals.com
- Instant payment confirmation
- In favor of “Sahaj Hospitals”
- Subject to clearance (typically 3-5 business days)
- Cannot discharge until clearance for full bill amount
- Bank account details provided at admission
- Share transaction reference for reconciliation
- Suitable for large payments
Advance Deposit
An advance deposit is required at admission:- Purpose: Secures your admission and covers initial expenses
- Amount: Typically 30-50% of estimated bill or fixed amount based on room category
- Adjustments: Adjusted against final bill at discharge
- Refund: Excess amount refunded within 7 business days after discharge
- General Ward: ₹10,000 - ₹20,000
- Semi-Private: ₹25,000 - ₹40,000
- Private Room: ₹50,000 - ₹75,000
- ICU/Critical Care: ₹1,00,000+
Interim Billing
For extended admissions (over 7 days), interim bills are generated:- Provided every 3-5 days
- Shows charges incurred to date
- Additional deposits may be requested if balance is low
- Helps you track expenses and plan finances
Interim billing helps prevent bill shock at discharge. Review interim bills carefully and raise any questions with the billing office immediately.
Payment Plans and Financial Assistance
We understand healthcare costs can be challenging. Financial assistance is available.Interest-Free Payment Plans
For bills over ₹50,000:- Eligibility: All patients with bills exceeding ₹50,000
- Terms: 3, 6, or 12-month payment plans
- Interest: Zero interest
- Down Payment: Minimum 20% at discharge
- Setup: Complete payment plan agreement at Financial Counseling office
- Down payment (20%): ₹40,000
- Remaining balance: ₹1,60,000
- 12-month plan: ₹13,334/month for 12 months
- No interest charged
Medical Loans and Third-Party Financing
We have partnerships with financing companies: Partner Finance Companies:- Bajaj Finserv Health EMI
- HDFC Mediloan
- ICICI PayLater for Healthcare
- Capital First Medical Loans
- Quick approval (often within hours)
- Loan amounts: ₹50,000 to ₹25,00,000
- Tenure: 6 to 60 months
- Interest rates: 12-18% per annum
- Minimal documentation
- Contact Financial Counseling office
- Submit basic KYC documents (ID, address proof, income proof)
- Receive loan approval and funds disbursed directly to hospital
Financial Assistance Program
For patients experiencing financial hardship: Eligibility Criteria:- Annual household income below ₹3,00,000
- No health insurance coverage
- Medical emergency or critical illness
- Indian citizen/resident
- Sliding scale discounts (10-50% based on income)
- Extended payment terms
- Waiver of administrative fees
- Connection to government health schemes and charitable programs
Request Application
Contact the Financial Counseling office and request a Financial Assistance Application.
Submit Documentation
Provide income proof (salary slips, income tax returns, or affidavit), ID proof, and medical documentation showing need.
Financial difficulties should never prevent you from seeking necessary medical care. Our social workers and financial counselors are here to help find solutions. Please reach out early rather than avoiding care due to cost concerns.
Charity Care and Pro Bono Services
For indigent patients with no ability to pay:- Limited charity care beds available
- Reserved for life-threatening emergencies
- Requires social work assessment
- Government scheme enrollment assistance provided
Billing Questions and Disputes
Understanding Your Bill
If you don’t understand charges on your bill:- Request an itemized bill showing all charges in detail
- Schedule a bill review meeting with billing department
- Ask for explanation of medical terminology or procedure codes
- Compare with insurance Explanation of Benefits (EOB)
- Location: Ground Floor, Block A
- Phone: +91-XXX-XXXX-XXX
- Email: [email protected]
- Hours: Monday-Saturday, 8:00 AM - 6:00 PM
Disputing Charges
If you believe charges are incorrect:Document Concerns
List specific charges you’re questioning with dates and amounts. Gather any supporting evidence (e.g., medications you didn’t receive).
Contact Billing Department
Submit written dispute to billing office within 30 days of bill date. Email or written letter preferred for documentation.
Investigation
Billing department reviews your medical records and charge documentation. Process takes 5-10 business days.
Resolution
Receive written response with investigation findings. Bill adjusted if errors found, or explanation provided if charges are correct.
Insurance Claim Denials
If your insurance company denies a claim:Common Reasons for Denial
- Lack of pre-authorization
- Treatment not covered under policy
- Policy exclusions or waiting periods
- Incorrect or incomplete claim information
- Policy lapsed or not in force
- Claim filed after deadline
Steps to Take
- Understand the Denial: Request written explanation from insurance company
- Review Policy: Check your policy document for coverage terms
- Gather Documentation: Collect medical records supporting medical necessity
- File Appeal: Most insurers allow appeals of denied claims
- Seek Help: Our Insurance Liaison team can assist with appeals
- Phone: +91-XXX-XXXX-XXX
- Email: [email protected]
- Review denial reasons
- Help file appeals with additional documentation
- Provide medical necessity letters from physicians
- Coordinate peer-to-peer reviews between doctors and insurers
International Patients
For patients traveling from abroad:Payment Requirements
- Full payment or international insurance pre-authorization required before treatment
- International credit cards accepted
- Wire transfers accepted (bank details provided)
- Medical tourism packages available with upfront pricing
International Insurance
We work with many international insurers:- Cigna Global
- Allianz Worldwide Care
- Bupa Global
- AXA Global Healthcare
- GeoBlue
- Contact our International Patient Services before arrival
- Provide insurance details for verification
- Obtain pre-authorization from your insurer
- We coordinate directly with international insurance companies
- Phone: +91-XXX-XXXX-XXX
- Email: [email protected]
- WhatsApp: +91-XXXXX-XXXXX
Useful Contacts
| Service | Contact | Hours |
|---|---|---|
| Insurance Verification | +91-XXX-XXXX-XXX | Mon-Sat 8 AM-6 PM |
| Billing Office | +91-XXX-XXXX-XXX | Mon-Sat 8 AM-6 PM |
| Financial Counseling | +91-XXX-XXXX-XXX | Mon-Sat 9 AM-5 PM |
| Insurance Liaison | +91-XXX-XXXX-XXX | Mon-Fri 9 AM-5 PM |
| Payment Plans | +91-XXX-XXXX-XXX | Mon-Sat 9 AM-5 PM |
| International Patients | +91-XXX-XXXX-XXX | 24/7 |
- General Billing: [email protected]
- Insurance: [email protected]
- Financial Counseling: [email protected]
- Payment Plans: [email protected]
Important Reminders
Before Admission:
- Verify insurance coverage and network status
- Obtain pre-authorization for planned procedures
- Request cost estimates for major treatments
- Understand your copays, deductibles, and out-of-pocket maximum
- Ask about payment plans if needed
During Stay:
- Review interim bills regularly
- Keep all receipts and documentation
- Ask questions about charges you don’t understand
- Notify insurance company of emergency admissions within 24-48 hours
- Inform billing office immediately if financial circumstances change
At Discharge:
- Review final bill carefully before payment
- Collect all documentation needed for insurance claims
- Set up payment plan if needed before leaving
- Get copies of all medical records for your files
- Ensure insurance claim has been filed (for cashless treatment)