However insured are requested to take note of :

• Register/Reserve your admission as per the selected hospital’s procedure for admission.
• Admission at network hospital is subject to availability of bed.
• Cashless facility is always subject to your policy terms and conditions.

• Telephone / Fax.
• Food & Beverages for relatives.
• Toiletries etc.

  Cost of such services has to be borne by you and paid directly to the Hospital before discharge.

In Case of Emergency Hospitalization

In case of emergency insured will approach the hospital with the ID Card. Insured / relative of insured will intimate to PHS helpdesk. PHS will verify the policy conditions. Authorization letter shall be issued accordingly. In case PHS helpdesk is not intimated before admission, hospital will follow their normal procedure of collection of charges.

Hospitalization in non Network Hospital

In case the insured chooses to get treated in a Non-Network Hospital and also intimates PHS in the prescribed format to PHS helpdesk (before admission), and if the hospital accepts the authorization of PHS, then PHS would issue the authorization letter subject to terms and conditions of the policy, or else PHS service will be restricted to claim processing only. In such cases Insured can forward all the relevant reports and documents (as mentioned below) in original to PHS to obtain reimbursement of eligible claim.In case of surgeons / consultants bills, kindly insist on a stamped, preferably numbered receipt.