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Hospital Bedside Emergency Tool

Cashless Hospital Delay Stopwatch & SLA Tracker

Currently stuck at the hospital waiting for cashless authorization? Track the exact time against the IRDAI statutory limits: 1 hour for pre-authorization and 3 hours for final discharge. If breached, the insurer must bear extra room charges!

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Statutory Limit: 3 Hours (Final Discharge Approval)

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Hospital Desk Escalation Template

Fill details to instantly create a formal WhatsApp / Email notice to send to the TPA desk or Insurer Grievance Officer.

URGENT: STATUTORY CASHLESS SLA BREACH NOTICE To: TPA Helpdesk / Insurer Grievance Redressal Patient Name: [Patient Name] Hospital: [Hospital Name] Insurer / TPA: [Insurer / TPA Name] Claim / Pre-Auth Ref: [Claim / Pre-Auth Reference Number] Request Type: Final Hospital Discharge Cashless Authorization Submission Time: [Time submitted] Elapsed Time: 0m 0s Statutory Limit: 3 Hours (Final Discharge Approval) under IRDAI Master Circular (29 May 2024, Clause 7.2(ii)) STATUTORY NOTICE: The mandated statutory window for cashless discharge approval (3 hours) has been exceeded by 0m 0s. Under the IRDAI Master Circular dated 29 May 2024: 1. Insurers and TPAs are strictly mandated to convey cashless decision within the statutory time frame. 2. Under Clause 7.2, any additional hospital room stay charges or waiting fees caused by TPA/insurer delay in granting discharge authorization MUST BE BORNE BY THE INSURER, and CANNOT be billed to the patient. We request immediate cashless authorization within 15 minutes, failing which this delay is being escalated to the Principal Grievance Officer and the IRDAI Bima Bharosa Portal.

What to Do If TPA Rejects Cashless at Discharge

1

Cashless Denial ≠ Claim Denial

TPA rejection of cashless is NOT a final claim repudiation. You can pay the hospital bill and file a full reimbursement claim within 30 days.

2

Collect ALL Original Records

Before leaving the hospital, get original signed Discharge Summary, detailed final bill breakup, payment receipts, and Indoor Case Papers (ICP).

3

Audit Rejection Grounds Free

Upload your cashless denial letter or hospital settlement sheet on MediclaimSaathi to see if the denial was legally permissible under IRDAI guidelines.

Hospital Bedside Audit

Did the hospital TPA force you to pay out-of-pocket?

Upload your cashless denial slip or hospital final bill. We extract every medical item, audit why cashless was denied, and give you a reimbursement document checklist to help you claim what you are owed.

IRDAI 2024 Compliant•Zero Commission•Takes < 2 minutes
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