Making Surgery Affordable for Everyone
From cashless insurance and reimbursement to government schemes and no-cost EMI — Aarogyam coordinates it all so cost never delays your care.
Multiple ways to fund your treatment
Cashless Treatment
Get treated without paying upfront at network hospitals — we coordinate approvals directly with your insurer or TPA.
Reimbursement Claims
Paid out of pocket? We help you compile documents and file your reimbursement claim correctly.
No-Cost EMI
Split your surgery cost into easy monthly instalments with 0% interest plans for eligible patients.
Covered Under a Govt. Scheme? We Coordinate That Too
If you're covered under a government health scheme or card, our team helps you understand your entitlement and coordinates treatment at empanelled hospitals wherever eligible.
Ayushman Bharat (PM-JAY)
National health cover for eligible beneficiary families at empanelled hospitals.
CGHS
Central Government Health Scheme for central govt. employees & pensioners.
ECHS (Army / Ex-Servicemen)
Ex-Servicemen Contributory Health Scheme — army & defence smart card holders.
ESIC
Employees' State Insurance coverage for eligible workers and their families.
State Government Schemes
State health schemes (e.g. Mahatma Jyotiba Phule Jan Arogya Yojana) where applicable.
Scheme names are shown for reference only and do not imply an official tie-up or empanelment. Coverage, eligibility and empanelled-hospital status depend on the scheme authority. Our team verifies your entitlement before admission. Not sure if you're eligible? Talk to our team.
Cashless & Reimbursement with Leading Insurers
We coordinate claims with a wide range of health insurers and TPAs, so you can use your policy cashlessly wherever eligible.
Insurer names are shown for reference only. Cashless availability depends on your specific policy and the treating hospital’s tie-up. Our team confirms your eligibility before admission. Not sure about your insurer? Talk to our team.
Insurance coordination in 4 simple steps
Eligibility Check
Share your policy or scheme details — we check your coverage.
Documentation
We help prepare and submit the paperwork to your insurer or TPA.
Approval
We coordinate pre-authorisation and follow up for faster clearance.
Treatment & Support
Get treated with cashless support and post-procedure claim help.
Not sure what you’re covered for?
Share your details and our care team will check your insurance or scheme eligibility for free and explain your options — with no obligation.
- Free eligibility check
- Cashless & reimbursement support
- No-cost EMI options
- Complete paperwork assistance
Get Expert Surgical Guidance
Connect with our care team for treatment guidance.
Insurance approvals, cashless eligibility and government-scheme benefits are subject to your policy terms and the decisions of the respective insurer, TPA or scheme authority. Aarogyam provides coordination and assistance only and does not guarantee claim approval. See our Disclaimer and Terms & Conditions.