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24/7 available services
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At Charak Hospital, we make healthcare accessible. Avail cashless hospitalisation through Ayushman Bharat PM-JAY, CGHS, ECHS, and the private insurers and TPAs listed below. Our dedicated TPA desk is available 24/7 so you can focus on recovery, not paperwork.
Charak Hospital is empanelled under the government health schemes below. Beneficiaries can avail cashless treatment directly — no out-of-pocket payment required for covered procedures.
Cashless cover up to ₹5 lakh per family per year for 1,900+ treatment packages. Senior citizens aged 70+ are covered via the Ayushman Vay Vandana Card, irrespective of income.
Central Government Health Scheme for central government employees, pensioners, and dependents. Present CGHS card for cashless admission.
Ex-Servicemen Contributory Health Scheme for retired defence personnel and their families. Fully cashless for empanelled procedures.
Employees' State Insurance and corporate employer health policies accepted. Canara Bank, RBI, FCI, UPPCL, Airport Authority and more.
Download the latest CGHS package rates for all procedures including cancer treatment, chemotherapy, surgery, and diagnostics. CGHS package rates were comprehensively revised with effect from 13 October 2025 (tiered by city class and NABH accreditation) — always refer to the official CGHS portal for the current rate list.
Rates are city-specific. Charak Hospital Lucknow bills at CGHS-approved rates for all empanelled procedures. For queries call: 0522-666-4444
From admission to discharge, our TPA desk handles everything. Here's the step-by-step process for cashless hospitalisation at Charak Hospital.
Call before planned admission. For emergencies, treatment begins immediately while TPA process runs in parallel.
On arrival, go to the TPA / Insurance desk and present your health card. For emergencies, a family member can initiate this while treatment begins.
Submit your insurance card, photo ID, doctor's prescription, and prior medical records. Our team assists in completing pre-authorisation forms.
We send the pre-auth request directly to your insurance company or TPA. IRDAI rules require the insurer to decide within one hour of receiving a complete request.
Once approved, your treatment, surgery, or hospital stay proceeds normally. All covered costs are settled directly between the hospital and insurer.
At discharge, you pay only the non-covered or co-payment amount (if any). All original bills and discharge summaries are provided for your records.
Please carry these documents when coming for cashless hospitalisation. Missing documents can delay pre-authorisation.
If your insurer is not on our cashless panel or you paid out-of-pocket, you can claim reimbursement. We provide all documentation required.
Charak Hospital is on the cashless panels listed below. Panels change from time to time, so please confirm with the TPA desk before a planned admission.
Fill in your details and upload your insurance documents. Our TPA team will call you back to start pre-authorisation.
Available 24 hours, 7 days a week for pre-authorisation, queries, and reimbursement support.
0522-666-4444 [email protected]Come directly to Emergency. Treatment starts immediately — TPA formalities handled in parallel.
0522-666-4444Key protections for health insurance customers under current IRDAI regulations and industry initiatives.
Insurers must decide on a cashless authorisation request within 1 hour of receiving it from the hospital.
Final authorisation must be given within 3 hours of the hospital's discharge request — you should not be held back for paperwork.
Cashless treatment can be requested even outside your insurer's network — intimate 48 hours before planned admission or within 48 hours of an emergency.
All citizens aged 70+ can get up to ₹5 lakh/year cashless cover under the Ayushman Vay Vandana Card, irrespective of income.
Source: IRDAI Master Circular on Health Insurance Business (29 May 2024); General Insurance Council "Cashless Everywhere" (Jan 2024); AB PM-JAY guidelines. Approvals remain subject to your policy terms.
Still have questions? Call our TPA desk on 0522-666-4444 or submit a cashless request.