Mediclaim Insurance is a contract between insured (patient) and insurance company. Insurance company operates through TPA (Third part Administrator) MOU done by TPA with hospitals offering cashless services to mediclaim patients.
Hospital is only a facilitator between TPA & patient. Hospital is not responsible for approvals, objections, delays, deductions & denials for mediclaim cases. The hospital supports the patient in getting cashless facilities.
As a rule, if someone is coming for a planned admission, they should come with an authorization letter. For TPA for all emergency admission, hospital will assist in the cashless procedure.