Complete insurance playbook for knee replacement in Ahmedabad — cashless hospital list, Ayushman Bharat, TPA process, and what to expect from Dr Hardik Shah's team at DHS Multispecialty Hospital.
Yes — knee replacement surgery, including robotic knee replacement, is covered by virtually every standard health insurance policy in India. Because it's classified as a medically necessary procedure, insurers cannot deny coverage once the waiting period is complete and pre-authorisation is approved.
At DHS Multispecialty Hospital in Ahmedabad, over 80% of Dr Hardik Shah's knee replacement patients use cashless insurance, meaning they pay nothing (or only the policy excess) at discharge. Our admin team handles all paperwork — pre-authorisation, TPA coordination, and claim processing — so you can focus on recovery.
| Insurer / TPA | Type | Typical Waiting Period |
|---|---|---|
| Star Health & Allied Insurance | Standalone Health | 24 months |
| HDFC ERGO Health | General Insurance | 24-36 months |
| Bajaj Allianz Health Insurance | General Insurance | 24 months |
| ICICI Lombard | General Insurance | 24-48 months |
| Niva Bupa (formerly Max Bupa) | Standalone Health | 24-36 months |
| Care Health Insurance | Standalone Health | 24-48 months |
| Tata AIG General Insurance | General Insurance | 24-48 months |
| New India Assurance | PSU Insurer | 24-48 months |
| Oriental / National / United India | PSU Insurer | 24-48 months |
| Reliance General Insurance | General Insurance | 24-36 months |
| SBI General Insurance | General Insurance | 24-36 months |
| Future Generali | General Insurance | 24-48 months |
| Ayushman Bharat (PMJAY) | Government Scheme | No waiting period (eligibility-based) |
Call +91 97277 26933 to verify your specific policy is in the cashless network.
The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) provides health insurance cover of up to ₹5 lakh per family per year for eligible families. Knee replacement is a covered procedure at empanelled hospitals across India.
Call us with your policy name and number — we'll confirm your cashless eligibility, typical room limits, and any sub-limits within minutes. No commitment, no paperwork needed upfront.
Initial consultation to confirm surgical fitness, treatment plan, and implant selection.
Email or WhatsApp your insurance card — we verify cashless eligibility same day.
Our TPA desk raises the pre-auth request with all diagnostics. Usually approved within 24 hours.
Come in on the surgery date. No deposit needed if pre-auth is approved (except policy excess).
Final bill is settled with the insurer directly. You sign the final discharge summary — nothing else.
We provide full documentation for your 60-90 day post-hospitalisation reimbursement claim.
Yes. Most policies have a 24-48 month waiting period for planned orthopedic surgeries. If your policy is new, check the exact waiting period in your schedule or call the insurer.
No — insurers apply fresh waiting periods to any upgraded top-up, so an upgrade right before surgery doesn't help. Consider planning insurance 2-3 years in advance of surgery if possible.
Rejections are rare once the policy's waiting period is complete. If rejected, we help with a reimbursement claim instead — pay upfront, claim back after surgery with full documentation.
Most insurers cover it as part of the overall procedure cost. A handful have sub-limits on "advanced technology" — we flag this upfront during pre-auth.
Yes — coordination of benefits is allowed. Primary insurer pays first, secondary covers the balance up to your combined sum insured. Our TPA team handles dual claims.
Yes — diagnostics within 30-60 days before admission are covered under pre-hospitalisation benefits. Save receipts and submit with your claim.
Share your policy — we'll confirm cashless cover in under an hour. No paperwork, no commitment.