• In an accidental case or in medical emergency you are advised to approach nearest Network / Non Network Hospital with your ID Card. If the admittance is in network hospital you or your relatives or the hospital will call up PHS (Helpdesk is open 24 hrs a day). PHS will verify the coverage and if covered issue the authority letter to network hospital. If you are in non network hospital you may pay the expenses and claim reimbursement based on the coverage.

• IN THE HOSPITAL
  
  
• The network hospital you have chosen will treat you without asking for deposit or payment of bills upto the guaranteed amount, except for some tertiary care hospitals (which will ask for some nominal deposit).
  
  
• If you are required to buy medicine or investigation done outside the hospital, kindly obtain proper Cash Memo / Receipt for payment made by you.
  
  
• Certain charges such as (Telephone / Fax, Food & Beverages for relatives, Barber, Ambulance etc.) are not covered in your insurance policy, if you have obtained such services from the hospital please pay for the same directly to the hospital.
  
  

• AT THE TIME OF DISCHARGE
  
  
• The hospital will discharge you without payment of the bills on the basis of A/L issued to them. If the bill amount exceeds the authorized amount, you will have to pay such amount to hospital. The Network hospital generally will not give you the Original Bill, Discharge Card, Investigation Reports, etc. (as they have to send these to PHS) you may ask for copies of the same.
  
  
• Hospital may charge you a token amount for issuing duplicates.
  
  

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