Health Insurance, Costs and Payment at THE CLINICS, South Delhi

Does THE CLINICS accept health insurance?

Yes, insurance facilities are available. You pay the hospital bill at discharge and then claim it from your insurer or TPA (third-party administrator). We prepare the documents insurers usually ask for and help you fill the hospital part of the claim form.

Insurance and TPA support where the policy covers it; WhatsApp +91 9217381353 to check your policy. Send a photo of your health card, your policy number and the doctor's advice for surgery, and we will tell you what is possible for your policy.

How insurance claims work, step by step

1. Before admission: check your policy for the procedure, waiting periods, room-rent limits and co-payment. Inform your insurer or TPA about the planned admission within the time your policy asks (many policies ask for this before a planned admission, or within 24–48 hours of an emergency admission).

2. During your stay: keep your health card and photo ID with you. Tell the front desk you will claim insurance so the papers are prepared in your name.

3. At discharge: collect the documents below, then pay the final bill.

4. After discharge: submit the claim to your insurer or TPA within the deadline in your policy (often 15–30 days after discharge). If the insurer asks for more papers, WhatsApp us and we will help.

Documents we provide for your claim

• Discharge summary signed by the treating doctor

• Final bill with an itemised break-up, and payment receipts

• Investigation reports (blood tests, scans, endoscopy where done) and the histopathology report when tissue is sent for testing

• Prescriptions, and pharmacy and consumables bills

• Operation notes, implant or mesh stickers and invoices where used

• The hospital part of the claim form, completed and stamped

• Doctor's certificate or clarification letter if your insurer asks for one

THE CLINICS MISC, Hauz Khas, is licensed by DGHS Delhi under the Delhi Nursing Homes Registration Act. Insurers usually ask for this hospital registration, and we include it with the claim papers.

Which treatments are usually covered?

Coverage depends on your policy, not on the hospital. Most Indian health policies cover medically necessary surgery, including day-care procedures. The procedures below are covered by health insurance where your policy includes them. Insurance and TPA support where the policy covers it; WhatsApp +91 9217381353 to check your policy. We cannot promise that any treatment will be covered; your insurer decides under the terms of your policy.

General, laparoscopic and laser surgery

• Laparoscopic surgery: gallbladder removal, hernia repair, appendix surgery, GERD and hiatal hernia surgery, and colorectal surgery, when medically advised. See advanced laparoscopic, laser & GI surgery, gallbladder stone surgery and hernia surgery.

• Laser proctology: laser treatment for piles, fissure and fistula, and pilonidal sinus surgery, usually as day-care procedures. See piles treatment

• Breast surgery: breast lump removal and breast cancer surgery, when medically advised. Insurance usually covers these. See breast cancer surgery.

• Thyroid surgery: thyroidectomy (removal of part or all of the thyroid gland), when medically advised. Insurance usually covers this.

• Bariatric (weight-loss) surgery: many policies cover it when strict medical conditions are met, usually a high BMI with related health problems after other treatment has not worked. Ask your insurer for their exact rules; we give you the medical notes they need. See weight-loss surgery.

Gynaecology

• Ovarian cyst surgery

• Uterus removal (hysterectomy)

• Endometriosis surgery

• Fibroid removal (myomectomy)

• Hysteroscopy, including hysteroscopic polypectomy (removal of polyps from inside the uterus)

See gynaecology surgery, fibroid surgery and our guide to laparoscopic hysterectomy.

Urology

• TURP (prostate surgery through the urine passage)

• TURBT (removal of a bladder tumour through the urine passage)

• Ureteric stone surgery (URS)

• Kidney stone surgery, including RIRS (retrograde intrarenal surgery)

• Nephrectomy (kidney removal)

See kidney stone surgery and our guide to kidney stone treatment options: URS, RIRS and PCNL.

Points to check in your policy

• Waiting periods: many policies apply a specific waiting period, often 1–2 years from the start of the policy, for conditions such as hernia, piles, fissure, fistula, gallstones, kidney stones, prostate enlargement, fibroids, endometriosis and some other gynaecological problems. Check yours before you plan surgery.

• Room-rent limits, co-payment and sub-limits: some policies cap the room rent or set limits for named procedures, such as cataract, hysterectomy or prostate surgery. These change what you finally pay.

Not covered: cosmetic procedures

Cosmetic procedures are self-pay and are not covered by health insurance. This includes cosmetic gynaecology and most cosmetic dental treatment.

How much will my surgery cost?

You get a written estimate after the doctor has examined you or reviewed your reports. The estimate depends on:

• the procedure and the method (keyhole, laser or open)

• tests needed before surgery

• the type of anaesthesia

• your room type and the expected length of stay

• implants, mesh or special consumables, if needed

• other health conditions that need extra care

If anything changes during treatment, the doctor explains why before the extra cost is incurred, except where a decision has to be made for your safety during the operation. For an estimate, WhatsApp your reports to +91 9217381353.

Payment options

• Credit and debit cards

• UPI

• Cash

• Other payment options: ask our team on WhatsApp at +91 9217381353

• International patients can pay by major credit cards; see international patients

For patients travelling from abroad and other cities

NRI families in Australia, the UK and the UAE, and patients from other Indian cities, can send their reports on WhatsApp for review and a written estimate before travelling. Indian health policies follow the steps above. If you hold an overseas policy, ask your insurer whether it covers planned treatment in India and which documents it needs; we provide the same discharge and billing papers. Read more on our international patients page.

Where treatment happens

• Surgery and admission: THE CLINICS MISC, H2, Hauz Khas, opposite Neeli Masjid, New Delhi 110016

• Consultations: at Hauz Khas, and at THE CLINICS Green Park, G-32, Ground Floor, Green Park Main Market Road, New Delhi 110016

• OPD hours: Mon–Sat, 9 am–9 pm. Round-the-clock nursing care for admitted patients. No dedicated emergency department; for urgent concerns, call +91 9217381353.

Frequently asked questions

Does THE CLINICS in Hauz Khas accept health insurance?

Yes, insurance facilities are available. We provide the discharge summary, itemised bills, reports and the hospital part of the claim form so you can claim from your insurer or TPA. Insurance and TPA support where the policy covers it; WhatsApp +91 9217381353 to check your policy.

Is insurance and TPA support treatment available at THE CLINICS?

Insurance and TPA support where the policy covers it; WhatsApp +91 9217381353 to check your policy. Share your health card, policy number and the doctor's advice, and the team will tell you what is possible for your policy.

Is laser piles, fissure or fistula treatment covered by insurance?

Usually yes, when it is medically advised, as most Indian policies cover day-care procedures. Many policies have a waiting period, often 1–2 years, for piles, fissure and fistula. Check your policy, and we provide the papers for your claim.

Are gynaecology and urology surgeries covered by insurance?

Usually yes, when medically advised and included in your policy. This covers ovarian cyst surgery, hysterectomy, endometriosis surgery, myomectomy, hysteroscopy and polypectomy, TURP, TURBT, ureteric and kidney stone surgery including RIRS, and nephrectomy. Insurance facilities available. Our team helps with the paperwork. Coverage depends on your policy.

Is bariatric surgery covered by health insurance in India?

Many policies cover bariatric surgery when strict medical conditions are met, usually a high BMI with related health problems after other treatment has not worked. Rules differ between insurers, so ask yours. We give you the medical notes they need.

How do I get a cost estimate for surgery in Delhi?

WhatsApp your reports to +91 9217381353 or book a consultation. After the doctor has examined you or reviewed your reports, you get a written estimate based on the procedure, tests, anaesthesia, room and expected stay.

Is cosmetic gynaecology covered by insurance?

No. Cosmetic gynaecology procedures are self-pay and are not covered by health insurance. You get a written estimate after a private consultation with Dr Niti Vijay at THE CLINICS Green Park.

Which documents do I need for an insurance claim?

Usually the discharge summary, the final itemised bill and receipts, investigation and histopathology reports, prescriptions and pharmacy bills, operation notes, implant stickers if used, and the hospital part of the claim form. We provide all of these at discharge.

Related pages

Advanced laparoscopic, laser & GI surgery · Gynaecology surgery · Kidney stone surgery · Piles treatment · Weight-loss (bariatric) surgery · Cosmetic gynaecology · International patients · Book a consultation · Contact and directions · Clinic FAQ

This page was prepared with AI assistance and reviewed by Dr Saurabh Bansal, GI, laparoscopic and bariatric surgeon and Founder & Director, THE CLINICS MISC (DMC Reg. No. 37887). Last reviewed: 20 October 2026. Insurance rules differ between policies; your insurer's decision is final.