R.R. Healthcare is a NABH accredited hospital empanelled with GIC and it accepts all major private insurance providers and TPAs, so treatment here can be cashless — the insurer settles with the hospital instead of you paying and claiming back.
What this hospital is empanelled with
- GIC empanelment
- All major private insurance providers
- All third-party administrators (TPAs)
Those three lines are what this hospital holds directly, and they are the reason a claim can be settled at the desk rather than in a bank transfer six weeks later. Underneath them is the list a patient actually wants: the insurers whose cashless claims are routed through the panel RR sits on.
General insurers
- Acko General Insurance
- Bajaj General Insurance
- Cholamandalam MS General Insurance
- Generali Central Insurance
- Go Digit General Insurance
- HDFC ERGO General Insurance
- ICICI Lombard General Insurance
- IFFCO Tokio General Insurance
- Zurich Kotak General Insurance
- Liberty General Insurance
- Magma General Insurance
- Navi General Insurance
- Raheja QBE General Insurance
- IndusInd General Insurance
- Royal Sundaram General Insurance
- SBI General Insurance
- Shriram General Insurance
- Tata AIG General Insurance
- Universal Sompo General Insurance
- Zuno General Insurance
Stand-alone health insurers
- Aditya Birla Health Insurance
- Care Health Insurance
- Galaxy Health Insurance
- ManipalCigna-TTK Health Insurance
- Narayana Health Insurance
- Niva Bupa Health Insurance
- Star Health and Allied Insurance
PSU health insurers
- National Insurance Company
- The New India Assurance
- United India Insurance
- Oriental Insurance
Claims administered by
- Medi Assist India TPA
- Ericson Insurance TPA
- Paramount Health Services & Insurance TPA
The insurers named above are the members of the General Insurance Council of India’s common panel — the panel a GIC-empanelled hospital’s cashless claims run through. Naming one here is not a promise about your policy: pre-authorisation is decided by your insurer, on your cover and your papers. If the name on your card is not listed, ask the desk anyway; tell them which third-party administrator handles your claim.
A name missing from that list does not shut the door. You can still be treated here as a self-paying patient, with the itemised bill, the discharge summary and the receipt for every payment issued at discharge — which is the set an insurer needs to pay a reimbursement claim, and the reason most refusals happen at a window rather than in a hospital.
When the claim route does not apply to you
A policy that will not settle here, or a treatment outside its cover, makes you a self-paying patient — which is what the RR Health Card is for: ₹500 for a year, cutting the consultation to ₹100 from ₹200 and the routine obstetric or whole-abdomen ultrasound to ₹750 from ₹1,000, with the laboratory and the pharmacy discounted on top.
The card cannot be clubbed with another offer, and an insurer pays its own package rates rather than the card’s, so on a claimed admission neither discount applies to you. Ask the desk which of the two routes a bill is going down before you agree to it.
Cashless, in the order it happens
- Before admission — tell the desk your insurer, TPA and policy or card number. Ask what the estimate is and how much of it the scheme is expected to approve.
- Pre-authorisation — the hospital sends the treating doctor’s notes, the proposed package of care and the estimate to the insurer. Approval is the insurer’s decision, not ours.
- At admission — scheme card and photo ID for the patient, and photo ID for the attendant. Consent forms are signed once; ask to read them.
- During the stay — anything that expands the treatment (a procedure not in the approved estimate, an unexpected ICU night) needs a fresh approval. The desk will tell you, not hide it.
- At discharge — the insurer pays the hospital the approved amount. What the scheme did not cover, or the excess your policy carries, is settled with you.
Reimbursement instead, if your policy works that way
Pay the bill at the window and claim back from your insurer. Take everything: the itemised bill, the discharge summary, the doctor’s prescription and referral, reports, and the receipt for each payment. Most rejections happen because one of those five is missing, not because the treatment was disputed.
What decides approval
- Waiting periods — most policies hold back specified illnesses and any pre-existing condition for a stated number of months from the policy start.
- Sub-limits on room rent, on consumables, and on specific procedures. A room category above your entitlement proportionately reduces the rest of the claim.
- Day-care and maternity clauses, disease-specific caps, and whether the treatment is medically necessary rather than elective.
- Exclusions your policy names — read them before you need them, not in the corridor outside an ICU.
- Co-payment, if you chose it: a share of every claim, payable by you.
An insurer, not a hospital, sets what a policy pays. If a claim is refused or cut, ask the desk for the reason in writing and the treating consultant for a clinical justification — that is the exchange that reverses most refusals.
Documents to carry
- Original scheme or e-policy card, plus the policy number.
- Photo ID of the patient and of the attendant.
- Any previous admission papers, discharge summaries or reports for the same illness.
- For a planned procedure: the doctor’s note recommending it and the estimated cost.
- For an accident claim: the date, place and circumstances as recorded at casualty, and an FIR where the policy requires one.