Yes, most modern health insurance policies cover minimally invasive surgeries like Laparoscopic and Laser procedures for conditions such as Gallstones, Hernia, Piles, and Fistula. However, the exact coverage depends on your specific policy. We recommend reviewing your policy document or reaching out to your TPA (Third Party Administrator) for confirmation.

Standard policies often have a 2-year waiting period for specific "planned" procedures like Hernia or Gallstone surgery, unless it is an emergency. If you have a "Pre-Existing Disease" (PED) cover, this period may vary.

Yes. Many laparoscopic and laser surgeries are performed as daycare procedures (less than 24 hours of hospitalization). Modern insurance plans specifically include "Daycare Coverage" for these treatments.

This is a facility where the insurance company settles the surgical bills directly with the hospital. You only pay for non-medical expenses (like registration fees, specific consumables, or room rent beyond your eligibility).

For planned surgeries, our insurance desk initiates the request 48–72 hours before admission. You will need to provide: Your Health Insurance Card/Policy copy. Valid ID Proof (Aadhar/PAN). Dr. Ghosh’s consultation note and recommendation for surgery. Relevant investigation reports (Ultrasound, Blood tests, etc.).

Once submitted, the insurance company typically responds within 2 to 6 hours. In some cases, they may ask for additional medical clarification, which our team will handle.

In some situations definitely yes. But not always. Common "out-of-pocket" expenses include: Co-payment: A fixed percentage of the bill you agree to pay (common in senior citizen policies). Deductibles: An initial amount you must pay before insurance kicks in. Non-Medical Items: Gloves, masks, gowns, and certain disposables (often called "Non-Medical Expenses"). Room Rent Cap: If you choose a room more expensive than your policy limit, you may have to pay the difference for the room and associated medical fees. When you consult with Dr. Ghosh and we start the discussion on admissions and pre approval the doctor gives you a more clear picture based on which hospital we decide to choose for the procedure. It is always better to ask the doctor for better clarity and transparency!

A denial of "Cashless" does not mean your claim is rejected. It simply means you must pay the hospital upfront and later apply for Reimbursement by submitting the original bills and discharge summary to your insurer.

Most policies include Post-Hospitalization cover (usually for 60 days). Keep all original pharmacy bills and follow-up consultation receipts to claim these expenses later via reimbursement.

1. Nature of Service The Scalpel M App and associated/ linked website provide digital access to surgical consultation scheduling, patient education, and administrative support. While the platform facilitates communication with Dr. (Maj) D. Ghosh, the use of the app does not constitute a doctor-patient relationship until a formal consultation is completed. 2. Medical Disclaimer Not for Emergencies: This platform is for planned surgical consultations (Gallstones, Hernia, Piles, etc.). In the event of a medical emergency, please inform the doctor or his coordinator and visit the nearest hospital emergency room immediately. Informing our team makes it easy for us to help you through in your emergencies and facilitate ease of service. Information Only: Educational content, FAQs, and surgical descriptions are for informational purposes and should not replace professional medical advice, diagnosis, or treatment. 3. Appointment & Tele-Consultation Scheduling: Appointments are subject to availability. The practice reserves the right to reschedule due to emergency surgeries or unforeseen professional commitments. Cancellations: Please provide at least 24 hours' notice for cancellations or rescheduling to ensure other patients can be accommodated. 4. Insurance & Financial Liability Pre-Approval: While our team assists with the pre-authorization process, approval is at the sole discretion of the insurance provider or TPA. Patient Responsibility: The patient remains ultimately responsible for all hospital charges. If insurance denies a claim (Cashless or Reimbursement), the patient is liable for the full bill amount. Non-Medical Expenses: Patients are responsible for costs not covered by insurance, including but not limited to registration fees, specific consumables, and room rent surcharges. 5. Data Privacy & Security We prioritize the confidentiality of your medical records. By using this app, you consent to the secure storage of your health data and reports for the purpose of treatment and insurance processing. Your data will never be shared with third parties for marketing purposes without your explicit consent. 6. Limitation of Liability Dr. (Maj) D. Ghosh and the administration shall not be held liable for technical glitches, network delays in appointment booking, or delays in insurance response times caused by third-party providers (TPAs). 7. Changes to Terms We reserve the right to update these Terms & Conditions as the app's features or healthcare regulations evolve. Continued use of the platform implies acceptance of the updated terms.

A Guide to a Smooth, Hassle-Free Surgical Experience To ensure your insurance pre-approval is processed quickly and without errors, please use this checklist to gather the necessary documents before your surgery. 1. Identity & Policy Documents (Mandatory) Government ID Proof: Aadhar Card (Preferred), PAN Card, Voter ID, or Passport. Insurance Health Card: Physical or digital e-card issued by your insurer/TPA. Latest Policy Copy: A digital or printed copy of your current policy document showing the "Sum Insured", "Co Payment" clauses and any "Waiting Periods." Corporate ID (If applicable): Your employee ID card if your insurance is provided by your employer. 2. Medical Records for Pre-Approval Consultation Note: Dr. Ghosh’s official recommendation for surgery (on clinic letterhead). Diagnostic Reports: Original reports of recent Ultrasound, CT Scans, or Blood Tests related to your condition (Gallstones, Hernia, Piles, etc.). Past Medical History: Discharge summaries or treatment records of any previous hospitalizations or chronic conditions (Diabetes, Hypertension, Heart issues). Prescriptions: A list of all current medications you are taking. 3. Financial Readiness (The "Fine Print") Check your Room Rent Limit: Ensure you know your eligible room category (e.g., Twin Sharing, Private Single AC) to avoid "proportionate deduction" charges. Pre-Authorization Form: Duly filled and signed (Our insurance desk will provide this). KYC for NEFT: A cancelled cheque and PAN card copy (Required in case of reimbursement or if the insurer needs to refund a deposit). 4. Important Timeline Reminders 48 Hours Before: Submit all the above documents to our Insurance Desk for "Planned Cashless" approval. Approval Wait Time: The TPA usually takes 2 to 6 hours for initial approval. Please remain reachable by phone during this time. Non-Medical Expenses: Keep aside a small buffer amount for "Non-Medical Items" (gloves, masks, registration) which are usually not covered by insurance. Please remember to be in touch with Dr. Ghosh or his coordinator during the entire process for a smoother hassle free experience.