Refund Policy

Any payment you make directly to a hospital or doctor is governed by that provider’s own refund policy. Aarogyam does not control and is not responsible for refunds on payments made directly to healthcare providers.

Hospital admission deposits and insurance settlements are governed by the respective hospital or insurer. Timelines and eligibility for these refunds are determined solely by the hospital or insurer concerned.

Where Aarogyam charges a separate coordination fee, refunds — if applicable — are assessed on a case-by-case basis.

• Approved refunds are generally processed within 7–15 business days.
• Refunds are made to the original payment method wherever possible.
• A refund of the coordination fee does not affect amounts payable directly to hospitals, doctors or insurers.

To request a refund of an Aarogyam coordination fee, email info@aarogyamsurgicare.com with your name, contact number and payment reference. Our team will review your request and respond with the outcome.