My father, a MEDISEP beneficiary in Kerala, has been advised to seek a specialist’s opinion at a major hospital in Bengaluru. Can he use his MEDISEP card to get cashless treatment there?
Yes, the MEDISEP card can be used for cashless treatment at specific hospitals located outside of Kerala. This is a very important feature of the scheme, designed to ensure that beneficiaries have access to super-specialty care that may not be available in their home district.
The ‘Treatment Outside Kerala’ Feature of MEDISEP
My friend’s mother, who is a MEDISEP beneficiary, required a complex neurosurgery. Her doctors in Kerala recommended a renowned super-specialty hospital in Chennai for the procedure. My friend was greatly relieved to discover that this specific hospital was part of the MEDISEP network, and the scheme’s rules permitted her to get the treatment done there.
The Crucial Condition: The Hospital Must Be Empanelled
I was explaining this to a colleague, and I stressed the most important rule. You cannot use the card at just any hospital in another state. The hospital outside Kerala must be specifically empanelled under the MEDISEP scheme. The official MEDISEP website has a published list of these approved super-specialty hospitals in major cities like Bengaluru, Chennai, and Coimbatore.
How the Cashless Process Works Outside the State
My friend confirmed that the process at the hospital in Chennai was exactly the same as it would have been in Kerala. They approached the hospital’s insurance or TPA desk, presented his mother’s MEDISEP ID card, and the hospital staff handled the entire pre-authorization and cashless claim process directly with the insurance company managing the scheme in Kerala.