Insurance & Cashless Treatment

Yes, many health insurance policies cover inpatient Ayurvedic treatment under the AYUSH benefit, subject to the terms and conditions of the policy. The extent of coverage—including eligible treatments, room rent limits, waiting periods, and exclusions—varies from one insurance provider and policy to another. As coverage is policy-specific, we recommend that you check with your insurance provider to confirm whether your policy includes AYUSH benefits and whether your proposed treatment is eligible for coverage. AVN Arogya is NABH-accredited and empanelled with most major insurance companies and TPAs, enabling eligible patients to avail cashless treatment or reimbursement assistance, subject to insurance approval.

AVN Arogya is empanelled with several corporates and government institutions for employee healthcare. If your company has empanelled us, you may be eligible for cashless or reimbursable treatment depending on your company's policy terms. Contact our corporate desk at +91 95002 92220 with your employer name and employee ID — we'll confirm empanelment status and explain the process. Even if your company is not yet empanelled, your personal health insurance may still cover treatment at our NABH-accredited hospital.

Consultation fees are ₹150 for a phone (tele) consultation with a Physician or Senior Physician, ₹300 for an in-person consultation and for a review with a Senior Consultant Physician, and ₹500 for a video consultation with a Senior Consultant Physician. First-time patients pay a one-time registration fee of ₹50 in addition, except for phone consultations. OP therapy packages are quoted separately, based on the treatment plan your physician recommends after the consultation. We provide a detailed cost estimate before treatment begins — no surprises.

Most group health policies from major insurers cover inpatient Ayurvedic treatment at NABH-accredited hospitals like AVN Arogya. Your HR or insurance desk can confirm whether Ayurvedic hospitalisation is included in your policy. Many employees are unaware that their corporate policy covers this. We help with: (1) verifying coverage before admission, (2) cashless pre-authorisation for empanelled insurers, (3) documentation for reimbursement claims. Contact our insurance desk at +91 8015136134 with your policy number and company name — we will verify it for you.

Yes, we partner with over 30 insurance companies and TPAs and offer cashless services. We have tied up with third-party providers to offer you cashless treatment even if your insurance company is not directly partnered with us. As an NABH-accredited hospital, most major health insurance policies cover inpatient Ayurvedic treatment here. Contact our insurance desk at +91 8015136134 with your policy details — we'll confirm coverage before your admission.

AVN Arogya is empanelled with most major health insurance companies and Third-Party Administrators (TPAs), enabling eligible patients to avail cashless treatment for approved inpatient Ayurvedic care. Our network includes approximately 35 leading insurance companies and TPAs. The list of our empanelled insurers and TPAs is available on our website. If your insurer is not listed, or if you would like to confirm your eligibility, please contact your insurance provider or speak with our Insurance Desk at +91 80151 36134. Our team will be happy to assist you with the cashless admission process and the required documentation.

Cashless treatment approval is purely based on your policy eligibility and your insurance provider. Our responsibility is to help you submit the relevant documentation and answer any queries raised by the insurance company. Any amount disallowed by the insurance company will be collected from you. We recommend checking with our insurance desk before admission to understand your coverage and estimate any out-of-pocket amount. The remaining balance can also be covered through our interest-free EMI option if needed.

Inpatient treatment is charged per day: INR 6,000-19,000 per day, all inclusive, depending on the room category chosen. That covers consultations, all therapeutic procedures, medicines, physiotherapy, meals and accommodation. How many days you need depends on your condition and is decided by the treating physician after assessment, so we give you a written estimate for your own programme before treatment begins.

Yes. AVN Arogya offers cashless treatment facilities for eligible patients covered under our empanelled health insurance companies and TPAs, subject to the terms and conditions of the insurance policy and approval from the respective insurer. To avail cashless treatment, patients are required to submit the necessary medical records and insurance documents. Our Insurance Desk will coordinate with the insurance company or TPA for pre-authorisation and assist in facilitating the cashless admission process. Since insurance coverage, AYUSH benefits, and eligibility criteria vary across different policies, patients are advised to confirm their AYUSH treatment coverage directly with their health insurance provider before planning admission. You may contact your insurer through the customer care number mentioned on your health insurance card or policy document for confirmation of benefits.

Coverage varies by condition and severity. Here's what you need to know: Conditions that may qualify for IP (inpatient) coverage: • Complicated Type 2 diabetes — with neuropathy, diabetic foot, non-healing wounds, or poor glycaemic control despite medication (ICD E11.x) • Severe thyroid conditions requiring intensive management (ICD E03 for hypothyroidism, E05 for hyperthyroidism) • Metabolic syndrome with multiple complications Generally NOT covered: • Simple obesity management or weight loss programmes — most insurance policies do not cover obesity as an IP condition unless there are significant comorbidities • Outpatient consultations and oral medicines • Preventive or wellness treatments AVN Arogya is NABH-accredited, which is a requirement for insurance coverage of AYUSH treatments. Our insurance desk will: • Review your policy to determine what's covered • Verify empanelment and cashless facility availability • Handle pre-authorisation documentation with appropriate ICD codes • Ensure medical necessity criteria are properly documented We recommend contacting our insurance desk before your visit. With 96 years of institutional experience, we have well-established processes for insurance claims and documentation. We'll give you a clear picture of what to expect financially before you commit to treatment.

No. We provide a detailed, itemised cost estimate before treatment begins. The IP package covers consultations, all procedures, medicines during admission, physiotherapy, yoga sessions, meals, and nursing care. The only additional charges would be for investigations (blood tests, imaging) if ordered during treatment, or if the treatment plan is extended beyond the originally estimated duration — in which case we discuss costs with you first.

A cashless claim allows eligible patients to undergo treatment at AVN Arogya without paying the entire treatment cost upfront (except for applicable non-covered expenses), subject to approval from the insurance company or TPA. Our Insurance Desk will coordinate with the insurer/TPA for pre-authorisation and assist with the cashless claim process. A reimbursement claim requires the patient to pay the treatment expenses initially and later submit the required documents, medical records, bills, and claim forms to their insurance provider for reimbursement as per the policy terms and conditions. The availability of cashless or reimbursement facilities depends on the patient’s insurance policy coverage, AYUSH benefits, insurer guidelines, and claim eligibility. Patients are advised to confirm their AYUSH coverage and claim benefits directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before planning treatment.

Yes, inpatient Ayurvedic treatment for cervical spondylosis may be covered by many health insurance providers, subject to the terms, conditions, and eligibility criteria of the individual policy. At our NABH-accredited Madurai hospital, we assist patients with cashless claim processing through our empanelled insurance providers. Coverage depends on factors such as the insurance company, policy benefits, AYUSH treatment coverage, approved treatment guidelines, and pre-authorisation approval. We recommend contacting our Insurance Desk with your policy details before admission to help verify eligibility and support the cashless approval process.

Inpatient (IP) treatment for frozen shoulder is covered by health insurance at AVN Arogya, which is a NABH-accredited hospital. The relevant ICD code is M75.0 (Adhesive Capsulitis of Shoulder). However, it is important to understand that most frozen shoulder cases are treated on an outpatient (OP) basis, and OP treatment is generally not covered by insurance policies in India. IP admission is recommended for severe cases that have not responded to outpatient treatment — in such situations, your insurer will typically cover the hospitalisation costs. Cashless facility is available for empanelled insurance companies. If you are considering IP treatment, our insurance desk can help with pre-authorisation and guide you through the documentation process. Bring your insurance card and policy details during your first visit so we can verify coverage upfront.

Yes — inpatient (IP) treatment for several women's health conditions can be covered under health insurance at AVN Arogya, our NABH-accredited hospital. Conditions that may qualify for IP coverage: • Severe PCOS with complications (significant hormonal imbalance, insulin resistance, associated conditions) • Endometriosis requiring intensive Panchakarma therapy • Infertility treatment requiring inpatient management • Severe menstrual disorders not responding to outpatient treatment ICD codes vary by specific condition — our medical team documents the appropriate codes for your diagnosis. Coverage depends on: • Your specific insurance policy terms • Whether the condition qualifies as a medical necessity for inpatient admission • The insurance company's empanelment with AVN Arogya What's generally NOT covered: • Routine OP consultations and oral medicines • Wellness or preventive treatments We understand that navigating insurance for Ayurvedic treatment can feel confusing. Our dedicated insurance desk will help you: • Verify your policy coverage before admission • Determine whether your condition meets IP admission criteria • Handle pre-authorisation and documentation • Process cashless claims where available With 96 years of institutional experience, AVN Arogya has well-established insurance processes. Contact our insurance desk before your visit so we can give you clarity on what's covered.

Yes — inpatient (IP) treatment for severe psoriasis and eczema is covered under health insurance at AVN Arogya, which is a fully NABH-accredited hospital. We use standard ICD-10 codes: L40.x for psoriasis and L20.x for atopic eczema/dermatitis. What's typically covered: • IP Panchakarma programmes for moderate-to-severe cases (>20% body surface area involvement, or cases that have failed topical/conventional treatment) • Room, board, medicines, and therapy charges during admission • Cashless facility available for empanelled insurance companies What's generally NOT covered: • Outpatient (OP) consultations and medicines • Mild cases that don't meet medical necessity criteria for admission IP admission is genuinely recommended for moderate-to-severe skin conditions — this isn't about gaming insurance. Intensive daily Panchakarma therapies, dietary regulation, and physician monitoring produce significantly better outcomes than OP treatment alone for serious cases. Our insurance desk will verify your policy coverage before admission so there are no surprises. With 96 years of clinical experience, AVN Arogya has well-established processes for insurance documentation and claims.

Insurance coverage depends on the terms and conditions of your health insurance policy, including the sum insured, AYUSH benefits, room eligibility, approved treatment coverage, exclusions, and applicable deductions as defined by your insurer. While AVN Arogya assists eligible patients with the cashless or reimbursement claim process, the final approval and settlement amount are decided by the insurance company based on your policy benefits. Patients are advised to confirm the extent of AYUSH treatment coverage, inclusions, exclusions, and any applicable limits directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before starting treatment.

Yes. We offer interest-free EMI options through our financing partners for patients who find it difficult to pay the full treatment cost upfront. This is available for inpatient programmes, outpatient therapy packages, and Panchakarma wellness programmes. EMI tenures range from 6 to 18 months with zero interest — you pay exactly the treatment cost, spread over monthly instalments. No hidden charges. This option is available for patients with adequate creditworthiness. Ask our front desk or care coordinator about EMI options when you discuss your treatment plan — they will guide you through the simple application process.

Yes, inpatient (IP) Ayurvedic treatment for rheumatoid arthritis is covered by health insurance at AVN Arogya. Key details: - ICD codes: M05 (Seropositive RA) / M06 (Other RA) - NABH accredited: AVN Arogya holds NABH accreditation, which is accepted by all major insurers. - Programme duration: RA IP programmes are typically 14-21 days. - Cashless facility: Available for empanelled insurance companies. Pre-authorisation requirements: Your insurer may require recent RA blood panels for pre-authorisation. Keep these ready: - RF (Rheumatoid Factor) - Anti-CCP antibodies - ESR (Erythrocyte Sedimentation Rate) - CRP (C-Reactive Protein) Our insurance desk handles the pre-authorisation process and can guide you through the documentation. Contact us with your policy details before admission so we can verify coverage and arrange cashless processing. If your policy does not support cashless, we provide all necessary documentation for reimbursement claims.

We understand that cost is a significant concern for families seeking treatment for their child's developmental condition. Here is a transparent breakdown: Consultation: - Senior Consultant Physician consultation: ₹500 by video, ₹300 in person. Developmental cases are assessed by our senior specialists who have extensive experience with paediatric neurological and developmental conditions. Outpatient (OP) therapy: - Typical course: 14-21 days of daily therapy sessions. - Costs depend on the specific therapies prescribed for your child — this varies based on the condition and its severity. Inpatient (IP) programme: - Duration: 14-21 days - Cost: INR 6,000-19,000 per day, all inclusive, depending on the room category chosen. - Follow-up courses may be recommended every 3-6 months depending on your child's response and condition. Insurance: Some health insurance policies cover inpatient Ayurvedic treatment for paediatric neurological conditions. Coverage varies by policy — check with our insurance desk with your policy details, and we can help verify what is covered. At AVN Arogya, with over 96 years of serving patients, we believe that financial concerns should not prevent a child from receiving treatment. Our team will discuss the most cost-effective treatment plan for your child's specific needs during the initial consultation.

The room rent coverage depends on the terms and conditions of your health insurance policy, including the room eligibility limit, sum insured, and specific benefits offered by your insurance provider. At AVN Arogya, room category eligibility may vary based on your insurance policy. Patients are advised to confirm their eligible room category and applicable room rent limits directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before admission. Our Insurance Desk will assist you with the required documentation and coordinate with the insurer/TPA for the cashless approval process.

The application process is simple and handled at the hospital. Steps: (1) Discuss your treatment plan and cost estimate with the physician, (2) Inform the front desk that you'd like to explore the EMI option, (3) Our team will check eligibility with our financing partner — this takes a few minutes to same-day depending on the partner, (4) Submit KYC documents: Aadhaar card, PAN card, last 3 months' bank statement or salary slips, (5) Once approved, the EMI is activated and treatment begins. Most applications are processed within the same day. The financing partner handles the credit assessment — AVN Arogya does not access or store your financial information.

Yes, inpatient Ayurvedic rehabilitation for stroke is covered by health insurance at AVN Arogya. Here are the key details: - ICD codes: I63 (Cerebral Infarction) / I69 (Sequelae of Cerebrovascular Disease) for stroke. - NABH accredited: AVN Arogya holds NABH accreditation, which is recognised by all major insurance companies in India. - Programme duration: Stroke rehabilitation programmes are typically 21-28 days. - Cashless facility: Available for empanelled insurance companies. Important considerations: - Some insurance policies have sub-limits for rehabilitation — meaning they cover rehabilitation but with a capped amount. Check your policy document or contact our insurance desk with your policy details, and we can help you understand what is covered. - Pre-authorisation typically requires the acute-phase hospital discharge summary and recent brain imaging (CT/MRI). Our insurance desk, backed by 96 years of hospital operations, has extensive experience handling insurance claims for neurological rehabilitation. Contact us with your insurance details before admission so we can verify coverage, process pre-authorisation, and arrange cashless treatment where possible.

Yes. If you prefer a room category higher than the one eligible under your insurance policy, you may choose to upgrade by paying the applicable difference in room charges and any other related charges, subject to hospital policy and room availability. As room eligibility and the financial implications of an upgrade vary depending on your insurance policy, patients are advised to confirm the applicable terms, deductions, and co-payment, if any, directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before admission. Our Insurance Desk will be happy to guide you through the process and help you understand the applicable charges based on your policy.

Yes — this is actually one of the most common arrangements for IP patients. How it works: (1) Your insurance covers the approved portion of the treatment cost (cashless or reimbursement), (2) The remaining amount — co-pay, deductible, room upgrade charges, or any non-covered component — can be financed through our interest-free EMI option. For example, if your IP programme costs ₹2,00,000 and insurance covers ₹1,50,000, the remaining ₹50,000 can be split into 6 - 18 monthly instalments at zero interest. Our insurance desk coordinates both processes simultaneously, so there is no delay in starting treatment.

AVN Arogya has partnered with a number of corporates and institutions to provide healthcare benefits to their employees and eligible dependents. We are also continuously expanding our network by empanelling new organisations. To check whether your employer or institution is empanelled with AVN Arogya, please contact our Corporate Relations Desk at +91 95002 92220. Our team will be happy to verify your eligibility and guide you through the available benefits and treatment process.

The documents required for cashless approval may vary depending on your insurance company or TPA. Generally, patients are required to submit: Health insurance card or e-card Valid government-issued photo ID proof Insurance policy details (if required) Doctor's consultation records Relevant investigation reports (such as blood tests, X-rays, MRI, CT scans, or other diagnostic reports, as applicable) Previous treatment records, if applicable Any additional documents requested by the insurance company or TPA Our Insurance Desk will assist you in completing the required formalities and submitting the documents for pre-authorisation.

Minimum and maximum amounts vary by financing partner. Generally, EMI is available for treatment costs of ₹25,000 and above, with upper limits ranging from ₹1,50,000 to ₹10,00,000 depending on the partner and your credit profile. For amounts below ₹15,000 (e.g., OP consultations), EMI is typically not applicable — but these are affordable single payments. For amounts exceeding the standard limit, we can arrange custom financing through our partner's higher-value programme. Contact our front desk with your estimated treatment cost and they will confirm the exact EMI options available to you.

The time required for cashless approval depends on your insurance company or TPA and the completeness of the documents submitted. Once all the required documents, consultation records, and investigation reports are received, the pre-authorisation request is submitted by our Insurance Desk to the insurer or TPA. The approval timeline is determined entirely by the insurance company or TPA and may vary from one insurer to another. In some cases, the insurer may request additional information or documents before making a decision, which could extend the processing time. Our Insurance Desk will closely coordinate with the insurance company or TPA and keep you informed about the status of your cashless approval throughout the process.

Yes. If you wish to avail insurance benefits, we recommend informing the hospital before your planned admission. This enables our Insurance Desk to verify your insurance details, guide you on the required documents, and initiate the pre-authorisation process with your insurance company or TPA in advance. Please carry your health insurance card, a valid photo ID, doctor's consultation records, relevant investigation reports, and any other documents required by your insurer. Patients are also advised to confirm their AYUSH treatment coverage, policy benefits, and eligibility directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before admission. This helps ensure a smoother admission and claim process.

We understand that healthcare costs can be a barrier, and we don't want finances to prevent you from getting the treatment you need. Your options: (1) Interest-free EMI — split the cost into 6-18 monthly instalments with zero interest through our financing partners. Most patients with basic creditworthiness qualify. (2) OP-first approach — start with affordable outpatient consultations (₹150-500) and OP therapy, which may resolve your condition without the larger IP investment. (3) Telemedicine — begin with a ₹150-500 tele-consultation and home-based treatment with couriered medicines. Our care coordinator can discuss all options during your first consultation — don't let cost anxiety stop you from at least exploring what is possible.

Yes, you may be able to avail cashless insurance even if you are admitted on the same day, provided your insurance policy is eligible for AYUSH treatment and the required pre-authorisation is approved by your insurance company or TPA. To avoid delays, please inform our Insurance Desk as early as possible and submit all the required documents, including your health insurance card, valid photo ID, doctor's consultation records, and relevant investigation reports. As the availability of cashless treatment depends on your policy coverage and the insurer's approval, patients are advised to confirm their AYUSH benefits and claim eligibility directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before admission, whenever possible. Our Insurance Desk will coordinate with the insurer or TPA to facilitate the approval process.

Yes, an advance payment is required to book a room and confirm your admission date. Our executives will guide you through the entire process of reservation and arrival. For insurance patients, the pre-authorisation process is initiated in parallel so there is no delay. The advance amount is adjusted against your final bill.

If your cashless request is denied by the insurance company or TPA, you can still proceed with your treatment by paying the hospital charges directly. Depending on the terms and conditions of your insurance policy, you may be eligible to submit a reimbursement claim after completing your treatment. In such cases, AVN Arogya will provide the necessary medical records, bills, discharge summary, and other required documents to support your claim submission. The final decision on reimbursement is made by your insurance company based on your policy terms, AYUSH coverage, and claim eligibility. Patients are advised to understand the reason for the cashless denial and confirm their reimbursement eligibility by contacting the customer care number mentioned on their health insurance card or policy document

Outpatient consultations start at a nominal fee, with OP therapy packages ranging from INR 2,000-3,000 per day over 10-14 days. Inpatient programmes range from INR 6,000-19,000 per day all inclusive, depending on the room category. We offer cashless insurance processing through our NABH accreditation.

We collect payments on a weekly advance basis. We do not accept cheques. Payments can be made using cash, credit/debit cards (Visa, MasterCard, RuPay), UPI, or bank transfer. For insurance patients, the cashless portion is settled directly with your insurer — you only pay the balance amount (co-pay, deductible, or disallowed items) at discharge.

Yes, you may have to pay certain charges even if your treatment is approved under the cashless facility. The amount payable depends on the terms and conditions of your health insurance policy and the insurer's final settlement. You may be required to pay expenses that are not covered under your policy, such as non-payable items, deductions made by the insurance company, charges exceeding your policy limits, room upgrade differences (if applicable), co-payments, or any treatment costs not approved by the insurer. Since coverage varies from one policy to another, patients are advised to understand their policy benefits, exclusions, and out-of-pocket expenses by contacting the customer care number mentioned on their health insurance card or policy document before admission. Our Insurance Desk will also help explain the settlement details based on the insurer's approval.

The expenses not covered by insurance vary depending on the terms and conditions of your health insurance policy. Common non-payable expenses may include: • Registration and administrative charges • Consumables and personal-use items not covered by the policy • Charges exceeding the eligible room category or policy limits • Co-payment or deductible amounts, if applicable • Treatments, procedures, or services excluded under the policy • Any expenses specifically disallowed by the insurance company As exclusions differ from one insurance policy to another, patients are advised to confirm the list of non-payable items, policy exclusions, and AYUSH coverage directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before admission. Our Insurance Desk will assist you in understanding the insurer's settlement and any applicable patient-payable charges.

Your final bill and discharge documents will be provided after your treatment is completed and all discharge formalities have been completed. For patients availing cashless insurance, the final bill can be issued only after the insurance company or TPA completes the final claim processing and communicates the settlement. Any amount not covered by the insurer, if applicable, must be settled before discharge. For reimbursement or self-paying patients, the final bill and discharge documents will be handed over after the payment formalities are completed. The exact discharge timeline may vary depending on the insurer's response time and completion of the necessary documentation. Our Insurance Desk will keep you informed throughout the discharge and claim settlement process.

Yes. Knee osteoarthritis is commonly covered under the cashless insurance facility for eligible patients under many health insurance policies that include AYUSH benefits. However, coverage is subject to your policy terms, eligibility criteria, and approval from your insurance company or TPA. To confirm whether you are eligible for cashless treatment, we recommend contacting your insurance provider through the customer care number mentioned on your health insurance card or policy document before planning your treatment. Our Insurance Desk will assist you with the pre-authorisation process and guide you through the required documentation for cashless or reimbursement claims, wherever applicable.

Yes. Slip disc is commonly covered under the cashless insurance facility for eligible patients under many health insurance policies that include AYUSH benefits. However, coverage is subject to your policy terms, eligibility criteria, and approval from your insurance company or TPA. To confirm whether you are eligible for cashless treatment, we recommend contacting your insurance provider through the customer care number mentioned on your health insurance card or policy document before planning your treatment. Our Insurance Desk will assist you with the pre-authorisation process and guide you through the required documentation for cashless or reimbursement claims, wherever applicable.

Yes. Ayurvedic treatment for Avascular Necrosis (AVN) is commonly covered under the cashless insurance facility for eligible patients under many health insurance policies that include AYUSH benefits. However, coverage is subject to your policy terms, eligibility criteria, and approval from your insurance company or TPA. To confirm whether you are eligible for cashless treatment, we recommend contacting your insurance provider through the customer care number mentioned on your health insurance card or policy document before planning your treatment. Our Insurance Desk will assist you with the pre-authorisation process and guide you through the required documentation for cashless or reimbursement claims, wherever applicable.

Insurance coverage for Panchakarma treatment depends on the purpose of the treatment and the terms and conditions of your health insurance policy. If Panchakarma is prescribed by a doctor as part of the treatment for an eligible medical condition covered under your policy, it may be covered under AYUSH benefits, subject to approval from your insurance company or TPA. However, if Panchakarma is taken purely for preventive care, wellness, rejuvenation, or relaxation purposes, it is generally not covered by most health insurance policies. Our Insurance Desk will assist you with the pre-authorisation process and guide you through the required documentation for cashless or reimbursement claims, wherever applicable.

Yes, you may be able to use your corporate health insurance at AVN Arogya if your employer's policy includes AYUSH treatment coverage and AVN Arogya is eligible under your insurer's or TPA's network. The availability of cashless or reimbursement benefits depends on the terms and conditions of your corporate health insurance policy and approval from the insurance company or TPA. Since coverage varies from one corporate policy to another, patients are advised to confirm their AYUSH benefits, hospital eligibility, and cashless treatment eligibility directly with their insurance provider by contacting the customer care number mentioned on their health insurance card or policy document before planning treatment. Our Insurance Desk will assist you with the pre-authorisation process and guide you through the required documentation for cashless or reimbursement claims, wherever applicable.

AVN Arogya is empanelled with the following organisations for eligible employees and beneficiaries, subject to the respective terms and conditions: • Airports Authority of India (AAI) – Eligible employees and their dependent family members for approved treatments as per the empanelment guidelines. • Happiest Minds – Eligible employees as per the corporate healthcare agreement. • CIPET (Central Institute of Petrochemicals Engineering & Technology) – Eligible employees as per the corporate healthcare agreement. In addition, employees of organisations such as LIC, Titan, HCL, and many other corporates may also be able to avail treatment at AVN Arogya through their health insurance provider, as we are empanelled with several leading health insurance companies and TPAs. As eligibility and benefits vary depending on your employer's policy and insurance coverage, we recommend confirming your entitlement by contacting your HR department or your insurance provider through the customer care number mentioned on your health insurance card or policy document before planning your treatment. Our Insurance Desk will be happy to assist you with the verification process.

Currently, AVN Arogya is not empanelled with any government health insurance schemes. However, we are actively working towards empanelment with various government health insurance programs. Government employees who are covered under private health insurance policies that include AYUSH benefits may still be eligible to avail cashless or reimbursement treatment at AVN Arogya, subject to the terms and conditions of their insurance policy and approval from their insurance company or TPA. We recommend confirming your AYUSH coverage, cashless eligibility, and policy benefits directly with your insurance provider by contacting the customer care number mentioned on your health insurance card or policy document before planning your treatment. Our Insurance Desk will be happy to assist you with insurance verification and the claim process, wherever applicable.

For any insurance-related queries, you can contact AVN Arogya's Insurance Desk. Our dedicated team will assist you with: • Insurance eligibility verification • Cashless pre-authorisation process • Documentation requirements • Reimbursement claim guidance • Claim status updates • General insurance and TPA-related queries Insurance Desk Contact Details: • Phone: +91 90477 55886 • Email: tpa@avnarogya.in For policy-specific information such as AYUSH coverage, eligible treatments, room entitlement, exclusions, claim limits, or cashless eligibility, we recommend contacting your insurance provider directly through the customer care number mentioned on your health insurance card or policy document. Our Insurance Desk will be happy to guide you through every step of the insurance process and make your insurance journey as smooth as possible.

Yes. AVN Arogya's Insurance Desk can help verify your insurance eligibility before you travel to the hospital. You may share your health insurance details and the required medical documents with our team, and we will coordinate with your insurance company or TPA to check the eligibility for cashless treatment. Please note that this verification is only a preliminary assessment. The final decision on cashless approval, treatment coverage, and the claim amount rests solely with your insurance company or TPA and is subject to the terms and conditions of your policy. To avoid any surprises, we also recommend confirming your AYUSH coverage and policy benefits directly with your insurance provider by contacting the customer care number mentioned on your health insurance card or policy document. For assistance, please contact our Insurance Desk: • Phone: +91 90477 55886 • Email: tpa@avnarogya.in

To check whether your health insurance policy is eligible for cashless treatment at AVN Arogya, you should contact your insurance provider directly through the customer care number mentioned on your health insurance card or policy document. They can confirm: • Whether your policy includes AYUSH treatment coverage • Whether you are eligible for cashless treatment • Your room entitlement and coverage limits • Any applicable exclusions, co-payments, or waiting periods • The documents required for cashless approval You may also contact AVN Arogya's Insurance Desk with your insurance details. Our team can help verify your eligibility and guide you through the pre-authorisation process. However, the final decision regarding cashless approval rests solely with your insurance company or TPA. Insurance Desk Contact Details: • Phone: +91 90477 55886 • Email: tpa@avnarogya.in

Yes. Even if your employer is not directly empanelled with AVN Arogya, you may still be eligible for cashless treatment if your health insurance policy includes AYUSH coverage and AVN Arogya is empanelled with your insurance company or TPA. Eligibility for cashless treatment depends on the terms and conditions of your health insurance policy and approval from your insurance company or TPA. To confirm your eligibility, we recommend contacting your insurance provider through the customer care number mentioned on your health insurance card or policy document before planning your treatment. You may also contact AVN Arogya's Insurance Desk for assistance with eligibility verification and the pre-authorisation process. Insurance Desk Contact Details: • Phone: +91 90477 55886 • Email: tpa@avnarogya.in

Yes. The initial cashless approval (pre-authorisation) is only a provisional approval issued by the insurance company or TPA based on the information available at the time of admission. It should not be considered the final claim approval. The final approval and settlement amount are determined only after the completion of treatment and submission of the final bill and medical records. The amount approved depends on several factors, including: • The available sum insured under your policy • Your final diagnosis • AYUSH treatment coverage under your policy • Your eligible room category and applicable room rent limits • Whether the treatment is covered for inpatient hospitalisation under your policy • The insurer's policy terms, conditions, exclusions, and applicable deductions As the final settlement is decided solely by the insurance company or TPA, patients are advised to understand their policy benefits by contacting the customer care number mentioned on their health insurance card or policy document before admission. Our Insurance Desk will coordinate with the insurer throughout the claim process and keep you informed of the approval status and final settlement.

Cashless treatment means that the insurance company settles the eligible treatment expenses directly with the hospital. However, 100% cashless treatment cannot be guaranteed, as the final settlement is determined solely by your insurance company or TPA based on the terms and conditions of your policy. While an initial cashless approval may be granted based on the available sum insured, the final approval amount is calculated after reviewing the final bill and medical records. It depends on several factors, including: • Your available sum insured • The final diagnosis • AYUSH treatment coverage under your policy • Eligibility of the treatment for inpatient hospitalisation • Your room entitlement and applicable room rent limits • Policy exclusions, non-payable items, co-payments, deductibles, and other applicable conditions If any portion of the hospital bill is not covered by your insurance policy, it will need to be paid by the patient at the time of discharge. To understand the extent of your coverage and the likelihood of out-of-pocket expenses, we recommend contacting your insurance provider through the customer care number mentioned on your health insurance card or policy document before admission. Our Insurance Desk will also assist you throughout the cashless claim process and help you understand the insurer's final settlement.

Coverage for outpatient (OPD) consultations and therapies depends entirely on the terms and conditions of your health insurance policy. While some insurance policies provide OPD or AYUSH outpatient benefits, most health insurance policies primarily cover inpatient (hospitalisation) treatment. Cashless insurance is generally not available for outpatient consultations and therapies at AVN Arogya. However, if your policy provides OPD or outpatient AYUSH benefits, you may be eligible to submit a reimbursement claim with your insurance company. AVN Arogya will provide all the necessary documents required for reimbursement, including the consultation records, bills, receipts, prescriptions, and other supporting medical documents, as applicable. Patients are advised to confirm their OPD coverage, AYUSH outpatient benefits, and reimbursement eligibility by contacting the customer care number mentioned on their health insurance card or policy document before availing the services.

Coverage for medicines prescribed at the time of discharge depends on the terms and conditions of your health insurance policy and the guidelines of your insurance company or TPA. In many cases, medicines that are included as part of the inpatient hospitalisation bill and submitted along with the final claim are usually considered for coverage, subject to policy limits and insurer approval. However, some insurance companies may not cover discharge medicines or medicines purchased after discharge, even if they are prescribed by the treating doctor. The final decision depends on the insurer's policy provisions, AYUSH coverage, and claim settlement guidelines. Patients are advised to confirm whether discharge medicines are covered under their policy by contacting the customer care number mentioned on their health insurance card or policy document before discharge. Our Insurance Desk will assist you with the required bills, prescriptions, and supporting documents for cashless or reimbursement claims, wherever applicable.I prefer this response