How we check cashless

The three checks

We never tell you a stay is cashless from one source. We check three, and each covers what the others miss.

The insurer's network listWhether the hospital is on the insurer's cashless network, and since when
Your policy wordingRoom rent limit, co-pay, waiting periods, sub-limits and exclusions, quoted with the page number
The hospital's insurance deskCashless for your plan, the package estimate, the pre-authorisation steps and the documents they need
Your answeron your WhatsApp thread

Every case is a fresh check, and every page is rebuilt each month.

Source	What it tells us	What it cannot tell us
The insurer's network list	Whether the hospital is on the insurer's cashless network, and since when	Whether the desk will accept your plan, package or room today
Your policy wording	Room rent limit, co-pay, waiting periods, sub-limits and exclusions, quoted with the page number	What the hospital will actually bill
The hospital's insurance desk	Cashless for your plan, the package estimate, the pre-authorisation steps and the documents they need	Anything about other patients or other plans

Step by step

The list. We look the hospital up on your insurer's published network list and record the list's date.
The wording. We read your policy's wording and customer information sheet. We note every clause that changes what you pay, with its page number. You can see these clauses on our policy pages.
The call. A person at superclaim calls the hospital's insurance desk. We confirm cashless for your insurer and plan, the package for your procedure, and what they need from you before admission.
The answer. You get it on your WhatsApp thread: which hospitals are cashless for you, what you are likely to pay, and why.

How it stays current

Every case is a fresh check. The call for your case updates that hospital's record the same day.
Monthly re-checks. We rebuild our published pages from the latest lists, wordings and calls every month. A page whose facts changed goes back to review before it updates.
Dates on everything. Each fact on our pages carries the date it was last checked. If something is older than we like, we say so.
When sources disagree, the hospital desk's confirmation for your case decides. We tell you about the difference and keep checking.

What we do not do

We do not sell or recommend insurance. We do not give medical advice. A cashless confirmation is the hospital's and insurer's decision, and we report it as they give it. Final approval comes from the insurer through pre-authorisation, which we help the hospital desk file on time.

Have a hospital stay coming up? Send your policy on WhatsApp and a person checks it for you.

Questions

Is the insurer's hospital list enough?

No. A hospital can be on the list and still decline cashless for a plan, a package or a room category. That is why we call the desk.

How often do you update what you show?

Every case updates the hospital's record the day we call. We re-check our published pages every month and show the date each fact was last checked.

What if the list and the hospital desk disagree?

We go with what the desk confirms for your case, tell you plainly that the two differ, and keep checking until it is settled.