Insurance and cashless treatment

Cashless support

Dr. P. Siva Reddy Eye Hospital is empanelled on GIPSA PPN, with 11 third-party administrators (TPAs) and 6 insurers directly, and processes 4 further insurers through FHPL. The full list is below. Cover depends on your own policy, so send your insurer or TPA name on WhatsApp before your visit and your policy is checked before the day.

What is usually cashless here

• Cataract surgery
• Intravitreal injections (medical retina)
• Pterygium excision with conjunctival autograft

Glaucoma care (medical or laser) may be cashless depending on your policy. Cashless is confirmed only after your specific policy has been checked.

Empanelled network and TPAs

• GIPSA PPN (preferred provider network)
• Heritage Health TPA
• Medi Assist TPA
• Family Health Plan Limited (FHPL)
• MD India TPA
• Cholamandalam MS General Insurance TPA
• Star Health and Allied Insurance TPA
• Health Insurance TPA
• Paramount Insurance TPA
• Akna Health Insurance TPA
• Link Insurance TPA
• Safeway TPA

Insurers empanelled directly

• Apollo Munich Health Insurance
• Bajaj Allianz General Insurance
• HDFC ERGO General Insurance
• Care Health Insurance
• Universal Sompo General Insurance
• Star Health and Allied Insurance

Policies issued as Apollo Munich may now show HDFC ERGO Health after the merger.

Insurers processed through FHPL

• Aditya Birla Health Insurance
• Magma HDI General Insurance
• Tata AIG General Insurance
• DHFL General Insurance

If your TPA or insurer is not listed, message us with the name and we will check and reply.

How cashless works, step by step

1. Before your visit. Send your insurer or TPA name, your policy number and the planned procedure on WhatsApp. The hospital checks whether your policy can be processed cashless here.
2. Consultation. The surgeon examines you and confirms what is advised. You are given a written estimate.
3. Pre-authorisation. The hospital sends a pre-authorisation request to your insurer or TPA, with the surgeon's notes and your documents.
4. The insurer's decision. The insurer or TPA approves an amount, asks for more information, or declines. This decision and the time it takes rest with the insurer, not with the hospital.
5. Day of the procedure. You sign the claim forms. You pay only what your policy does not cover.
6. Final bill. After the procedure the hospital sends the final bill to the insurer or TPA. Any amount not approved is settled by you.

What a policy may not cover

• A lens upgrade beyond the lens your policy allows. Many policies cover a standard monofocal lens and treat other lenses as an upgrade.
• Co-payments, deductibles and sub-limits written into your policy.
• Items your insurer lists as non-payable.
• Conditions still inside a waiting period under your policy.

You are told the expected amount payable by you before the procedure, once the insurer has responded.

Documents to bring

• Your health insurance card or e-card, and a copy of the policy.
• A government photo ID of the patient, and of the policyholder if different.
• Your employee ID, if the policy is through your employer.
• Earlier policy copies, if your insurer asks for proof of continuous cover.
• Earlier eye reports, prescriptions and discharge summaries.
• Any identity or KYC document your insurer asks for.

If cashless does not apply: reimbursement

If your policy cannot be processed cashless here, you pay the hospital and claim from your insurer. The hospital gives you the itemised bill, the discharge summary and the reports your insurer needs for the claim. Payment can be made by cash, card, UPI or internet banking.

What to send on WhatsApp

• Insurer or TPA name
• Policy number (if you have it)
• Planned procedure or concern (e.g. cataract, intravitreal injection)

Insurance and TPA queries are also taken on the main line, 80966 65550, during OPD hours: Monday to Saturday, 10 AM to 2 PM and 4:30 PM to 7 PM.

Refractive surgery

Most policies treat refractive surgery (LASIK, SMILE, PRK and ICL) as elective and exclude it. This is confirmed for your policy when you ask. The suitability assessment page explains how laser correction is assessed.

Related

• Doctor profile: Dr. H. Siva Mohan Reddy
• Cataract surgery: what is typically cashless
• Book an appointment
• Visit us or check our hours and location

Frequently asked questions

Do you accept cashless?

Yes, for many insurers and TPAs, including cataract surgery, intravitreal injections, and pterygium surgery with conjunctival autograft. Confirm on WhatsApp before your visit.

Are you on GIPSA PPN?

Yes, we are actively empanelled on the GIPSA PPN network.

Is my policy or TPA accepted here?

The empanelled TPAs and insurers are listed on this page, but cover varies by policy. Send us your insurer or TPA name on WhatsApp before you visit and we will confirm for your specific policy.

What is the difference between cashless and reimbursement?

Cashless means the hospital settles approved charges directly with your insurer or TPA, so you pay only what your policy does not cover. Reimbursement means you pay first and claim it back from your insurer later. We will tell you which one applies to your policy before the day.

Is cataract surgery cashless at your hospital?

Cataract surgery is typically cashless with the TPAs and insurers we are empanelled with, subject to your policy terms and any waiting period. Share your policy details on WhatsApp and we will confirm for you.

Is LASIK or refractive surgery covered by insurance?

Most policies treat refractive surgery, including LASIK, SMILE and PRK, as elective and exclude it, so it is usually not covered. We will confirm this for your policy when you ask.

What does cataract surgery cost if my policy doesn't cover it?

The cost depends on the lens chosen and your individual case, which the surgeon works out with you. A written estimate is given after the consultation, once your eyes have been examined. You can contact the hospital on WhatsApp or by phone.

What if my insurer isn't listed?

Message us with your details. We'll tell you what's possible before you travel.

Can I pay out of pocket?

Yes. We accept cash, card, UPI, and internet banking.

Medically reviewed by Dr. H. Siva Mohan Reddy, MBBS, DO, DNB (Ophthalmology). Registered with the Telangana State Medical Council, Reg. No. 57104. Last reviewed 16 June 2026.