From the moment you call us to the day you receive your settlement — Navdrishti handles everything. Hospital, TPA, insurer — we coordinate directly so you never have to chase anyone.
Click any step to see exactly what happens. We handle steps 2, 3, 4 and 5 — you only need to do step 1.
As soon as hospitalisation happens — planned or emergency — just call or WhatsApp 97117 78778. Give us your policy number, patient name, hospital name, and nature of treatment. We instantly guide you on required documents, confirm if the hospital is in the network, and share the list of needed papers.
Once pre-authorisation is raised, Navdrishti directly coordinates and shares your required documents (policy copy, coverage details, approval references) with the hospital's TPA/insurance desk. We ensure the hospital receives confirmation of eligible coverage quickly so treatment can start without financial stress.
Proceed with treatment and enjoy the cashless facility for all covered expenses. The hospital bills the insurer/TPA directly for admissible amounts. We monitor the claim progress in real-time and update you via call/SMS/WhatsApp on any queries raised by the insurer — so you're always informed, never anxious.
At discharge, the hospital submits the final bill and discharge summary. The insurer gives final approval — usually within 3 hours (IRDAI rule). We intimate you immediately about approval status, explain any minor deductions (non-covered items like consumables), and guide you through clearance. Pay only genuinely uncovered charges (if any) and leave worry-free.
Post-discharge, we send you a complete claim summary. If your hospital is non-network and reimbursement is involved, we track the insurer until the approved amount is credited directly to your bank account. Need any follow-up? We're here — this isn't a one-time transaction, it's a long-term relationship.
Founded on 22 years of claim experience, our IDPCS process ensures every client gets expert support from the very first call to the final settlement.
Understanding the difference helps you prepare better. Either way, Navdrishti guides you from first call to final settlement.
The insurer pays the hospital directly for covered expenses. You only pay for genuinely non-covered items like certain consumables or room rent above your limit.
When your hospital is not in the insurer's network — you pay the bill upfront, collect documents, and we submit the claim. Your money comes back to your bank account.
Everything people ask before and during a claim — answered simply and honestly.
Subscribe Our Newsletter To Get Our Latest Update & News
Copyright © 2026 Navdrishti Group. All rights reserved.