What should I carry for cashless or reimbursement at a Delhi-NCR hospital?

Cashless means the hospital bills your insurer if the hospital is on the policy network and the insurer or TPA approves it. Reimbursement means you pay first, then claim with papers. This page is an admin checklist for Delhi-NCR hospital visits. PatientSaathi does not file claims, does not talk to insurers, and does not store your policy or bills.

Cashless and reimbursement are two paths, not two policies

The same health policy can use either path. Cashless needs a network hospital and a pre-authorisation. If that is held or refused, many policies still allow you to pay and file a reimbursement claim with the papers. That decision is the insurer’s, not PatientSaathi’s. Network lists and room-rent rules change. Confirm with your insurer or TPA and the hospital insurance desk that morning. This site does not keep a live cashless list.

What to carry

Photo ID (Aadhaar, PAN, passport, or driving licence) and a phone that can receive an OTP
Policy e-card or insurer-app screenshot, plus the policy number
A referral note, emergency ticket, or doctor’s advice for admission, if you have one
Older prescriptions, discharge summaries, and recent lab or imaging reports
A written list of current medicines and allergies
UPI, card, or cash for deposits and items the cashless approval may not cover

Optional, not required: an ABHA number if you already have one. Creating ABHA is described by NHA at abdm.gov.in. It is not something PatientSaathi issues, and it does not file the claim.

If cashless is held or refused, get it in writing

A verbal “not approved” is hard to use later. Ask the hospital insurance or TPA desk for:

A dated written reason (query, non-network, waiting period, room-rent cap, incomplete papers, or “not medically necessary”).
The pre-auth form and any query letter they sent the insurer.
The itemised estimate or running bill.
The name and desk of the person you spoke to, with a stamp or acknowledgement if they will give one.

Then ask which copies they will issue today (discharge summary, itemised final bill, indoor papers). How to request the hospital file is on the medical records guide. PatientSaathi cannot pull the file and cannot argue the claim.

If you need care while the paper fight is on, that is a clinical decision. Talk to the treating doctor. For a medical emergency in India, contact 112.

Papers people usually need for reimbursement

Discharge summary
Itemised final bill and payment receipts
Investigation reports and indoor case papers if the insurer asks
Cancelled cheque or the bank details the insurer asks for
The written cashless denial or query, if you have one

Keep photocopies or phone photos of every page you hand over.

Print / WhatsApp checklist

Copy this into Notes or WhatsApp before you leave:

Delhi-NCR hospital — cashless / reimbursement
Hospital:
UHID / IPD:
Date:
Insurer / TPA:
Policy no.:

Carrying: photo ID, e-card, OTP phone, referral/ER note, old reports, medicine list, UPI/cash

If cashless held/refused, get in writing:
[ ] dated reason
[ ] pre-auth / query letter
[ ] itemised estimate or bill
[ ] desk name + acknowledgement

For reimbursement later:
[ ] discharge summary
[ ] itemised final bill + receipts
[ ] reports / indoor papers if asked
[ ] bank details the insurer asked for
[ ] photos of everything submitted

This is a packing list. It is not a claim form and not a guarantee of payment.

Official source

Whether a stay is cashless is decided by your insurer or TPA and that hospital’s insurance desk. Policy wording sits with the insurer. Regulator information is on IRDAI’s site (irdai.gov.in), not on PatientSaathi. This site does not file claims and does not store your bills.