Insurance Empanelment, Cashless Treatment and Credit Recovery
We connect your hospital to major TPAs and insurance providers, and we track and recover pending, delayed or short-settled claim amounts.

Claim Support
Most Clinics Run "Cash-Only". We Change That.
Most individual clinics operate on a "cash-only" model because registering with insurance providers involves endless paperwork and government liaisoning. KOUSHALYA takes this over entirely.
We connect your hospital to major TPAs and insurance providers, handle claim forms, documentation and audits, and recover aged, delayed or short-settled claim amounts.
An insurance tie-up delivers value only when claims are filed correctly.
From Network Access to Denial Management and Recovery
Network Access
Connecting your hospital to major TPAs and insurance providers.
Cashless Treatment
Allowing insured patients to receive medical care without paying upfront.
Documentation & Compliance
Handling claim forms, the documentation process and audits.
Tariff Negotiation
Mapping medical and surgical packages and negotiating rates with insurance companies.
Aged Receivables
Tracking and recovering pending, delayed or short-settled claim amounts from insurance companies.
UTR Reconciliation
Matching bank credits and unique transaction reference (UTR) numbers with specific patient bills.
Denial Management
Resubmitting rejected claims with proper clinical and administrative justification and documentation.
Insurance Panels, Government Schemes and Corporate Tie-Ups
Panel Sourcing & Application Management
Sourcing, filing and fast-tracking empanelment applications with major private TPAs and insurance companies, such as Star Health, Care Health, Niva Bupa, Medi Assist and Paramount.
Government Scheme Onboarding
Where applicable to the clinic's size and setup, onboarding onto relevant regional or national public health schemes, such as Ayushman Bharat PM-JAY or state-specific schemes, to open up high-volume patient segments.
Corporate Desk Setup
Creating direct tie-ups with local corporate companies and public sector undertakings (PSUs) for empanelled executive health check-ups.
Better Paperwork, Fewer Rejected Claims
Securing an insurance tie-up is useless if the front desk mishandles the paperwork, leading to rejected claims. We train your reception staff and track your claims performance.
Pre-Auth & Claims Training
- Filing Pre-Authorization forms properly
- Handling queries with TPAs
- Managing digital discharge documentation
Audit Tracking
- A simple digital dashboard within the CRM platform
- Tracks the clinic's average claims settlement cycle
- Keeps cash flow smooth

Pre-Approval, Estimation and Cashless Clarity
Pre-Approval Support
Helping the patient get pre-approval when they have insurance.
Proper Estimation
Guiding the patient on a proper estimate aligned with their finances and insurance coverage.
Insurance Eligibility Advisor
The patient inputs their insurance provider, and the system highlights which hospital options offer a 100% cashless experience with no out-of-pocket deductions.
From Empanelment to Settlement, We Handle the Paperwork.
KOUSHALYA takes over empanelment applications, claim documentation, denial management and the recovery of aged receivables, so your hospital can focus on patients.
Partner with KOUSHALYA for Insurance & TPA Services.
Talk to KOUSHALYA
Tell us about your hospital and we will suggest the right support.
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