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Comprehensive Claims Management
Cashless Hospitalization
This facility is available only at the network hospitals of EMAS. The list of the network hospitals is available on the web site-

1. Fill in the Guarantee Letter (GL) form available with the hospital and at our office. The form should be filled in by the     treating doctor or by the hospital administration staff and sent/faxed to the EMAS office.

2. After considering the validity of the request, EMAS issues a guarantee letter to the hospital to undertake treatment of     the insured.

3. EMAS/Insurer pays all medical expenses and all non-medical expenses are borne by the insured.

4. The cashless facility may not be available in certain cases. The policy holder can then send the claim for     reimbursement, which will be considered based on the merits of the policy features.

5. Your EMAS ID card does not automatically entitle you to cashless treatment as this facility depends on the terms and     conditions of the policy in force. The cashless treatment begins only after the hospital receives the Guarantee     Letter from the EMAS office.
AClaim Reimbursement Claim Intimation The policy holder should notify the EMAS office about the hospitalization with the following details :

1. EMAS ID card no

2. Policy no

3. Name of hospital

4. Name of the attending doctor

5. Nature of illness/injury 
Claim Documents
Successful reimbursement of your claim requires you to submit all relevant documents related to your treatment.

1. Original discharge card from the hospital

2. Original hospital bill with Itemized Bill and receipt

3. Doctor's prescriptions and medical bills

4. Original Investigation reports with Doctor's authorization

5. Surgeon/Consultant's bills in original

6. Other documents connected to hospitalization/treatment. The above documents should be submitted to the EMAS office     along with a signed claim form. The claim form can be obtained from our office or downloaded from here.

7. All medical expenses will be reimbursed as per the policy features. Non-medical expenses will not be reimbursed.

8. It is advisable to keep a photocopy of all documents that you have submitted for future reference.
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