Emergency & Casualty — always open
Emergency & Casualty — always open
— Insurance & Cashless Care
Josco Multi-Speciality Hospital is empanelled with government schemes, leading insurance companies and TPAs, so you can focus on recovery while our insurance desk handles the paperwork.
Help with cashless approvals and claims
— Government Schemes
Eligible beneficiaries can avail treatment under the following schemes.
Ex-Servicemen Contributory Health Scheme
Medical Insurance Scheme for State Government employees and pensioners
NORKA Roots welfare and insurance schemes for non-resident Keralites
— EMPANELLED PARTNERS
Check whether your insurer or TPA is empanelled with Josco. Not listed? Call the Insurance Desk on +91 479 237 4006.
— How it works
Share your policy or health card details with the Insurance Desk at admission.
We send the request to your insurer or TPA for approval.
Receive care while our team follows up on the approval.
The approved amount is settled with the insurer; you pay only non-covered items.
— BE PREPARED
Keeping these ready helps us start your approval without delay.
✓ Insurance / health card or policy copy
✓ Photo ID (Aadhaar or other government ID)
✓ Doctor’s admission advice or referral
✓ Previous medical reports, if any
✓ Scheme-specific documents (ECHS, MEDISEP or NORKA card)
— COMMON QUESTIONS
If your insurer or TPA approves, the approved amount is settled directly with the hospital, so you only pay for items not covered by your policy.
For planned admissions, please contact the Insurance Desk in advance so pre-authorisation can be started. In an emergency, treatment comes first and the insurance formalities follow.
Please call the Insurance Desk. Our team can confirm whether cashless is possible or guide you on reimbursement claims.
Coverage depends on your policy terms, sum insured and the insurer’s approval. Our insurance desk helps with the paperwork but the final approval rests with the insurer or TPA.
The list is updated from time to time. Please confirm your insurer or TPA with the Insurance Desk before admission.
Our Insurance Desk will guide you through approvals and paperwork.
