Health Insurance

Health Insurance


Not having health insurance by their side at the time of a medical emergency can lead many people towards massive inconvenience. Right from taking a loan to spending their hard-earned savings, there are multiple ways in which people suffer when they lack health insurance. Therefore, it is of massive importance for every individual to invest in a good health insurance policy so that they can avoid financial instability during a critical medical situation.

Shri Dharmasthala Manjunatheshwara Hospital provides insurance privileges to around 40 organizations as per the agreement and regulations of the respective organizations.

As Health Insurance is an emerging market in the health sector, industries, corporates and Government institutions tie up with all major hospitals for the medical needs of their employees through Third Party Administrators in case of Private Insurance, through Employees State Insurance (ESI) for Govt./ Statutory compliance and through Govt insurance. SDM Hospital has an exclusive department to cater to the needs of patients covered by insurance. Our friendly, cooperative and dedicated team has been specially trained in insurance and medical reimbursement modalities.

Patients have to provide a checklist of documents within 24hrs of admission  i.e. policy card,  Aadhar card etc. and should be submitted for each Gov/corporate insurance which helps in quickening the claim processing.  This cashless facility will create an expeditious and hassle-free facility for admission as it is recognized by all the insurance and leading corporate companies.

Timings & Holidays
Outpatient (OPD) :
Monday to Saturday – 08:30 am to 08:00 pm
Sundays & Public Holidays – 12:00 pm to 08:00 pm

Procedures For Cashless Hospitalization

Patient Insurance Information 
  • Patients with Medical Insurance or Medical Reimbursement who need an IPD treatment should register by providing various details like name, age, ID number, policy number, nature of the illness, diagnosis and treatment details. 
  • The patient also needs to declare the medical insurance scheme of the respective insurance company.
Pre- Authorization
  • Once the patient is diagnosed and the treatment is finalized, the insurance department will send the pre-authorisation request to the concerned Insurance/Corporate. It takes a minimum of 24 hours for the hospital to get the approval or authorisation for the patient’s treatment.
  • In case of emergency, the patient is admitted and the information will be shared with the insurance on the same day or on the next working day if the admission falls on a Sunday or a public holiday.  After the approval from the insurance/corporate, the patient will be informed the same accordingly.
  • Patients who don’t get approval due to some reason stated by the insurance company are also treated under the general patients’ category without cashless hospitalization benefits.
  • In case the hospital does not receive this authorisation within 48 hours of admission and the patient is getting discharged, the patient must settle the hospital bill and claim reimbursement from their insurance provider.
List- Empanelment With Sdmcmsh
  • Airports Authority Of India
  • Arogya Bhagya (Karnataka Police Health Welfare Trust)
  • Ayushman Bharath -Arogya Karnataka
    • Ayushman Bharath
    • Jyoti Sanjeevini
    • Hutti Gold Mines
    • Cochlear Implant Scheme
    • Organ Transplant
  • Central Warehousing Corporation
  • Echs-Specialty
  • Echs-Super Specialty
  • Esim-Speciality
  • Food Corporation Of India
  • Hescom (Hubli Electricity Supply Co Ltd)
  • Karnataka Fire And Emergency Services
  • National Mineral Development Corporation (Nmdc)
  • Ntpcl, Hyderabad/Kudagi
  • Nuclear Power Corporation Of India Ltd- (Npci)Kaiga
  • Power Grid Company Limited-Narendra
  • South Western Railway- Super Specialty
  • South Western Railway-Specialty
  • Karnataka State Prisons & Correctional Services Health Welfare Trust(Aby/Kp & Chswt)
  • Karnataka Naval Area, Naval Base, Karwar
  • Esis- Dental
  • Echs -Dental
  • Danta Bhagya Yojane- Dental
Corporate Companies [Insurance/TPA’s]
  • Aditya Birla Health Insurance Co Ltd
  • Care Health Insurance Limited
  • Cholamandalam General Insurance Co Ltd
  • Future Generali India Insurance Company Limited
  • Family Health Plan Insurance TPA Ltd
  • HDFC Ergo General Insurance Co Ltd
  • Health India Insurance TPA Service Pvt Ltd
  • Health Insurance TPA Of India Ltd
  • ICICI Lombard
  • IFCO Tokio General Insurance Co
  • Larsen & Toubro Construction, Hubli
  • Larsen & Toubro Construction, Dharwad
  • Larsen & Toubro Construction, Koppal
  • Md India Health Insurance TPA Pvt Ltd
  • Medi Assist India TPA Pvt. Ltd
  • Paramount Health Services & Insurance TPA Pvt Ltd
  • Reliance Health Insurance Company
  • Sbi General Insurance Company
  • Star Health And Allied Services
  • Tata Aig General Insurance Company Ltd
  • Vidal Health Insurance TPA Pvt Ltd
  • Vipul Med Corp Health Insurance
  • Raksha Health Insurance TPA Pvt Ltd
  • E.I.D. Parry Sugar
  • N K Health Care Services
  • Tata Motors Ltd
  • V Care Health Services
  • West Coast Paper Mills Ltd, Dandeli
  • VRL Logistics Limited
  • Sampoorna Suraksha (SKDRDP)
  • Arogya Raksha (SKDRDP)
  • HCG NMR Curie Centre Of Oncology