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Ericson Insurance TPA Pvt. Ltd as a TPA has entered into agreements with a set of hospitals (called Network Service Providers) where the member can avail hospitalization services on the basis of an authorization provided by Ericson TPA. The member does not pay for his treatment up to the limit authorized provided it is covered by the policy and only pays the non covered expenses and any excess over the authorized limit. This saves the need for the member to arrange for cash to pay to the hospital.

Cashless Hospitalization fall under two circumstances Planned and Emergency. Pre authorization of the estimated hospital expense is a must to avail this facility. In the case of planned hospitalization or admission, you would have first consulted a doctor who in turn would have advised you on the probable date or time of hospitalization. In such a case, you are required to apply for a pre authorization to Ericson Insurance TPA Pvt. Ltd at least 3 - 4 days prior to the date of hospitalization. We suggest you to call Ericson Insurance TPA Pvt. Ltd immediately to intimate and take advice on the cashless process.

Reimbursement Claim is the process of a member applying for financial reimbursement in line with the terms of the policy, having paid his hospitalization expenses out of his own resources.

Yes. Under the Health Policy, you can opt for cashless as well as Reimbursement. We would advise that in case you are taking treatment from a network hospital, then you should avail of the cashless facility. This will give you the financial advantage of not paying for your hospital treatment and also gives you more cushions to meet your post hospitalization expenses.

Pre Authorization is the prior approval that is required to be taken from Ericson Insurance TPA Pvt. Ltd to grant cashless treatment in a network hospital.