Focus entirely on your surgical recovery, not the paperwork. Prasan Nethralaya is proudly empaneled with major government health schemes, corporate networks, and leading private TPAs.
We maintain a dedicated insurance desk to process your claims rapidly through the following approved channels.
Approved for major interventions including cataract, retina, and glaucoma procedures under state and central health directives.
We are directly empaneled with India's most trusted private health insurance networks to provide 100% cashless hospitalization.
Direct billing and priority admission protocols are available for employees and dependents of our partnered PSUs and corporate organizations.
A streamlined, stress-free pathway from diagnosis to discharge.
During your consultation, our surgeon determines if a procedure (like Cataract or Vitrectomy) is medically necessary and advises surgery.
Submit your active Insurance Card, a valid Government Photo ID, and medical records to our TPA desk. We initiate the approval request directly with your insurer.
Once your TPA sends the initial approval letter, you arrive on your scheduled date and are admitted without needing to pay any upfront deposits for covered expenses.
Post-surgery, our billing team handles the final settlement with the insurance company while you recover in our lounge. You just sign the final claim forms and head home.
It is important to note that while standard procedures are fully covered by most TPAs, your policy may have an upper financial limit or specific sub-limits for certain items.
For example, if you opt for a Premium Toric or Multifocal IOL during Cataract surgery, or a highly advanced Robotic FLACS procedure, your insurance may cover the cost up to the standard limit, and you will simply be required to pay the difference (co-pay) prior to discharge. Our TPA desk will explain all costs clearly before any surgery begins.
Common inquiries regarding health coverage and reimbursements.
If your specific TPA or insurance provider is not directly empaneled with us, you can still undergo surgery at Prasan Nethralaya on a reimbursement basis. You will pay the hospital bills directly, and we will provide you with a meticulously prepared, stamped claim file (including discharge summary and invoices) to submit to your insurer for a full reimbursement.
Once we submit your documents to the TPA, the initial approval typically takes anywhere from 4 to 24 hours depending on the insurance company. We highly recommend submitting your documents a few days before your planned surgery to ensure a smooth, zero-wait admission.
Generally, refractive surgeries like LASIK, SMILE, and ICL are considered cosmetic or elective procedures and are not covered by standard health insurance policies. However, there are exceptions if your refractive error is exceptionally high (e.g., above -7.5D) or caused by an injury. Our team can help verify your specific policy terms.
Standard consumables used *during* the surgery and your hospital stay are covered. However, pharmacy drops and medications prescribed for you to take at home after discharge are usually not covered under the cashless claim and must be purchased separately.
Our dedicated insurance coordinators are available to help you understand your coverage, limits, and the approval process.
Contact the Billing Desk ↗