Insurance โ ACCESS
Access to Corporate Cashless Entry & Services (ACCESS)
ACCESS is the single-window facility for processing cashless services offered by Health Insurance Companies, Third-Party Administrators (TPAs), and Company Referrals at CMC Vellore.
Guidelines for insurance cashless facility
Cashless facility is applicable only for hospitalization (in-patient treatment).
- Admissions primarily for investigations alone are not eligible for cashless facility.
- As per CMC Vellore policy, day care procedures are treated as outpatient services and are not eligible for insurance cashless facility. Therefore, a minimum hospitalization of 24 hours is required for insurance processing.
- Cashless facility is not applicable for Outpatient (OP) consultations and Emergency Care.
- Patients are advised to verify their room rent eligibility, co-payment clause, and available sum insured with their insurance company before approaching the Insurance Desk.
- The patient’s name and age should match the details in the Insurance Card and Hospital Records.
- Kindly verify your insurance tie-up upon arrival at the hospital.
- Inform your doctor about your insurance tie-up during consultation and request the doctor to complete the TPA form in CWS during your OP visit. This helps to facilitate cashless processing without delay.
When to contact ACCESS
For surgical treatment
Contact ACCESS at least three (3) days before admission. This allows sufficient time to address queries from the insurer/TPA and facilitates a smooth admission process.
For medical treatment
Contact ACCESS from two (2) days before admission up to 24 hours after admission.
For maternity patients
Register with ACCESS immediately after admission.
Preauthorisation process
On Admission
- Once all the required documents are received, our Insurance Desk will submit the pre-authorisation request to the respective Insurance Company/TPA.
- The pre-authorisation process typically takes 4 to 6 hours.
- If the Insurance Company/TPA requests additional information or raises any queries, the approval process may take 24 hours or longer, depending on the nature of the query.
- Our ACCESS team will explain the applicable insurance terms and conditions and keep patients informed about the status of their request throughout the process.
On Discharge
- Upon completion of treatment, the final bill and medical records will be submitted to the respective Insurance Company/TPA for final authorisation.
- The final authorisation process typically takes 4 to 6 hours and may take longer if additional information or clarification is requested by the Insurance Company/TPA.
- The final bill and discharge summary will be shared only after the Insurance Company/TPA grants final authorisation.
- Once the final authorisation is received, patients will be guided to the billing counter to complete the discharge formalities.
Note: The final bill and discharge summary will be sent only after receiving the initial approval. If the initial approval is not received, even at the time of discharge, we will not be able to send the final bill and discharge summary.
Empanelled insurance companies
- Aditya Birla Health Insurance Co. Ltd
- Bajaj Allianz General Insurance Co. Ltd
- Care Health Insurance
- Cholamandalam MS General Insurance Co. Ltd
- Cigna (Belgium)
- Future Generali India Insurance Co. Ltd
- Go Digit Insurance Company
- HDFC ERGO General Insurance Co. Ltd
- ICICI Lombard General Insurance
- IFFCO Tokio General Insurance Company Ltd
- Niva Bupa Health Insurance
- Reliance General Insurance
- SBI General Insurance
- Star Health and Allied Insurance Co. Ltd
- Tata AIG General Insurance Company Ltd
- IndusInd General Insuranceย (Reliance General Insurance)
Empanelled TPAs
- East West Assist (Volo) Insurance TPA Limited
- Ericson Insurance TPA Pvt Ltd
- Family Health Plan TPA Ltd
- Good Health TPA Services Ltd
- Health India Insurance TPA Services Pvt. Ltd
- Health Insurance TPA of India Ltd
- Heritage Health Insurance TPA Pvt Ltd
- MD India Health Insurance TPA Ltd
- Medi Assist Insurance TPA Pvt Ltd
- Medsave Healthcare TPA Ltd
- Medvantage Insurance TPA Pvt Ltd (United Healthcare)
- Paramount Health Services & Insurance TPA Pvt Ltd
- Park Mediclaim Insurance TPA Pvt Ltd
- Raksha Health Insurance TPA
- Health Assist (Safeway) Insurance TPA Pvt Ltd
- Vidal Health Insurance TPA Pvt Ltd
- Genins India Insurance TPA Limited
Mandatory documents required
- Current year’s Insurance Card copy or Policy copy
- Patient’s Aadhaar Card and PAN Card copies
- Aadhaar Card and PAN Card copies of the main policyholder
- Corporate Identity Card copy (if applicable)
- Previous hospital consultation records and investigation reports (if any)
- Medico-Legal Certificate (MLC), First Information Report (FIR), and Road Traffic Accident (RTA) Incident Declaration for road traffic accident cases
- Chemotherapy protocol for Medical Oncology patients
- Antenatal file (for maternity patients)
Other state schemes
- Andhra Pradesh โ Tirumala Tirupati Devasthanam (TTD)
- Nagaland โ Chief Minister Health Insurance Scheme for Employees & Pensioners
- Arunachal Pradesh โ Chief Minister Arogya Arunachal Yojana (CMAAY)
Company referrals
- Credit letters must be activated at ACCESS before visiting the doctor.
- Repeat patients can book appointments by telephone after credit activation.
- If credit validity has expired, appointments can be booked by emailing the referral letter.
- New patients may also book appointments by sending an email to ACCESS.
- Kindly bring the original referral letter bearing the official seal and authorized signature. Credit facility cannot be activated without submission of the original referral letter.
Last updated on 9 July 2026
