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HDFC ERGO Network Hospitals in Jalandhar

Overview of HDFC ERGO Network Hospitals

Network Hospitals Overview

Without health insurance, getting sick or injured could mean going bankrupt, going without needed care, or even dying needlessly’- Jan Schakowsky


With the surging healthcare costs, most of us buy health insurance plans as a means to reduce our medical expenses. Health insurance is a boon for people looking for quality medical treatment, as it frees them from worrying about hefty medical bills. Though the sum of money you spent from your own pocket would be reimbursed, you might have to bear the initial amount.

We found a way for you to put this concern to rest, and that is Cashless Claims. But, what are cashless claims?

A cashless claim is an option that states you are not required to pay for the medical procedure or treatment that is covered by your health insurance policy. Your insurance provider will compensate your medical bills directly with the concerned hospital.

This facility makes medical treatments more accessible and affordable, as you do not have to worry about paying a hefty amount of money during hospitalization as well as during the treatment. However, you can avail this facility only at partner hospitals or network hospitals.

What is a network hospital?

A network hospital is a hospital that ties up with your insurance provider and allows you to avail of cashless medical treatment based on deferred payment. Insurance companies, generally, have wide network of hospitals across the country. These network hospitals are also known as Cashless Network Hospitals.

How do Cashless Network Hospitals work?

Cashless network hospitals work similar to non-network hospitals or regular hospitals for the most part. You can visit a network hospital and get health care without having to pay to the hospital. This includes room rent (subject to a limit), admission charges, doctor or specialist fees, ambulance cost, and not to forget the treatment cost.

Your insurance provider would settle your medical bills against the Sum Assured, which you chose while purchasing your health insurance policy.

The insurer would bear all the aforementioned expenses, provided that the treatment was assured by your health plan.

You simply have to inform the hospital that your treatment cost would be covered under the cashless facility, and submit a valid identity proof, such as an identity card issued by the insurance provider or your policy documents.

Benefits/Advantages of Cashless Network Hospital:

When you get hospitalized for any treatment - be it emergency or routine check-up, it’s a stressful time for your family and you. Many hospitals insist on periodic clearance of the medical bills. In such a case, your family has to run around to pay exorbitant bills and make sure you receive quality healthcare at the same time.

With the cashless medical service, your insurance provider pays your bills after the completion of your treatment.

In case you are away from your residence and you need to get hospitalized, you can use any of your insurance provider’s network hospitals across the country to avail the treatment without making any payments or having to settle the incurred medical cost.

How do you file a claim through Cashless Network Hospitals?

In order to file a claim, you need to follow the procedure mentioned below:

  • In the event of a planned surgery, you need to inform your insurer to authorize the cashless treatment.
  • In case of an emergency treatment or surgery, you must inform your insurance provider within 24 hours of you being hospitalized.
  • In certain cases, you will be given an identity card. You can use this ID card to avail cashless services at any of your insurer’s partner hospitals.
  • You can undergo a treatment at any network hospital without making any payment.
  • The insurance provider would then send you a summary of all the charges applicable, and you have to pay for the exclusions (if any).

List of Treatments covered by Cashless Network Hospitals:

Cashless hospital claims cover the treatment that requires a hospital stay over 24 hours.

The list of the day-care facilities (requiring less than 24 hours stay) is as follows:

Operations on Eyes-this consist of the following treatments:

  • Eyelid incision
  • Cataract operation
  • Tear duct operation
  • Corneal incision
  • Corrective surgery for ectropion, entropion
  • Removal of foreign body

Operation on Ears:

  • Stapedectomy
  • Stapedotomy
  • Operation on the middle-ear
  • Operation on auditory ossicles
  • Reconstruction of the middle ear
  • Tympanoplasty
  • Other operations on the inner ear
  • Incision of the inner ear

Operation on the tongue:

  • Glossectomy
  • Reconstruction of tongue
  • Other operation on the tongue

Operation of sinus and nose:

  • Nasal sinus aspiration
  • Foreign body removal
  • Operation on the nasal concha
  • Other operation on the nose

Operation of bones:

  • Dislocation surgery
  • Meniscus tear and ligament tear surgeries
  • Sutures and fractures of tendons
  • Orthopaedics and trauma surgeries
  • Other bone and joint surgery

Operation of subcutaneous tissues and skin:

  • Skin restoration and transplantation
  • Incisions of subcutaneous tissues and skin
  • Excision of subcutaneous tissues and diseased skin
  • Chemosurgery to the skin

Operation on face:

  • Incisions to face, jaw and mouth
  • Plastic surgery to mouth
  • Other operations to the face and mouth


  • Chemotherapy
  • Radiotherapy (for cancer)
  • Lithotripsy
  • Haemodialysis
  • Coronary angiography

Cashless claims also cover surgical treatments and procedures in the digestive tract along with female and male reproductive organs.

Exclusions under the Cashless Network Hospitals:

While cashless hospitalization covers a number of treatments and medical procedures, there is a list of exclusions as well, under which your insurance provider does not pay for the treatment. Some of the exclusions are listed below:

  • Treatments arising out of suicide, self-injury or self-harm when insane or sane
  • Hospitalization due to radiation, biological or chemical weapons, or war
  • Treatments due to the complications arising out of AIDS/HIV, unless mentioned in the document of the policy
  • Items of personal convenience or comfort
  • Hospitalization arising out of the abuse of alcohol or psychotropic substances
  • Additional cost such as special diets
  • Mental disorders and congenital diseases as mentioned in the document of your policy

HDFC ERGO Network Hospitals List in Jalandhar

Network Hospital Address City State Pin Code Map
Apex Hospital And Maternity Home 520- 521,new Jawahar Nagar Jalandhar Punjab 144001 Map
Balaji Medicare Hospital 132-a, Ashok Nagar,basti Sheikh Road Jalandhar Punjab 144001 Map
Chawla Nursing Home And Maternity Hospital 9, Lajpat Nagar, Link Road Jalandhar Punjab 144001 Map
Kapoor Bone And Children Hospital Byepass Chowk Jalandhar Punjab 144001 Map
Ghai Hospital Neuro Surgery 661 A And B, Guru Teg Bhadur Nagar Jalandhar Punjab 144003 Map
Mahajan Eye Hospital And Maternity Home 111 Shaheed Udham Singh Nagar Jalandhar Punjab 144001 Map
Ranjit Hospital Patel Chowk,58 Kapur Thla Road Jalandhar Punjab 144003 Map
Joshi Super Specialty And Multispecialty Hospital Kapurthala Chowk Jalandhar Punjab 144001 Map
Karan Hospital 408 - A, Adarsh Nagar,kapurthala Road Jalandhar Punjab 144008 Map
Jammu Hospital Kapurthala Road Jalandhar Punjab 144001 Map
Johal Hospital Hoshiarpur Road, Rama Mandi Jalandhar Punjab 144001 Map
Doaba Hospital 320, Lajpat Nagar Jalandhar Punjab 144001 Map
Pasricha Hospital And Maternity Home / Pasricha Hospital Laser And Plastic Surgery Center 221,adarsh Nagar, Mahavir Marg Jalandhar Punjab 144008 Map
Kidney Hospital 63, Waryam Nagar, Cool Road Jalandhar Punjab 144001 Map
Kapil Hospital Civil Lines Jalandhar Punjab 144004 Map
Kataria Eye And Ent Hospital 1,gujral Nagar, Mahavir Marg Jalandhar Punjab 144001 Map
Sahara Medical Centre And Maternity Home 34, Gujral Nagar Jalandhar Punjab 144001 Map
Purthi Hospital 301 Lajpatnagar,nakodar Chowk Jalandhar Punjab 144001 Map
Modern Hospital 39 Modle Town Jalandhar Punjab 144001 Map
Orthopedic N Spine Centre C/o Pal Hospital, Partap Bagh Jalandhar Punjab 144001 Map
Neurological Institute Of Medical Sciences 221, Adarsh Nagar Jalandhar Punjab 144001 Map
Dr Dangs Nursing Home 30 ,link Road Jalandhar Punjab 144001 Map
Sachar Hospital And Maternity Home Street No. 11, Central Town Jalandhar Punjab 144001 Map
S.g.l. Super Speciality Charitable Hospital 2 Roop Nagar, Garha Road Jalandhar Punjab 144021 Map
Pal Hospital And Maternity Home Partap Bagh Jalandhar Punjab 144001 Map
Makkar Hospital 379, Adarsh Nagar Jalandhar Punjab 144001 Map
Mann Mediciti Wellness Center Sus Nagar, Ohri Hospital Premises Jalandhar Punjab 144001 Map
Sabharwal Hospital And Scanning Center 257 - L, Model Town Jalandhar Jalandhar Punjab 144001 Map
Sanjivani Hospital 74, Banda Bahadur Nagar Jalandhar Punjab 144001 Map
Saranjit Nursing Home And Herjinder Maternity Hospital No. 5, Gujral Nagar, Mahaveer Marg Jalandhar Punjab 144001 Map
Spine And Ortho Care 76 ,gurjaipal Nagar,cool Road Jalandhar Punjab 144001 Map
Vasal Hospital 37, Kapurthala Chowk Jalandhar Punjab 144008 Map
Verma Hospital And Saraswati Laser Surgery Centre 11, Gujral Nagar Jalandhar Punjab 144001 Map
Swami Satyanand Hospital Sco - 32, Puda Complex Jalandhar Punjab 144004 Map
Vasan Eye Care Hospital Plot No- 265 A Lajpat Nagar ,guru Nanak Mission Chowk Jalandhar Jalandhar Punjab 144001 Map
Tagore Heart And Care Research Institute Banda Bahadur Nagar Mahavir Marg Jalandhar Punjab 144001 Map
Thind Eye Hospital 701-l, Mall Road, Model Town Jalandhar Punjab 144003 Map
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