Emergency surgery in non-approved PMJAY hospital – can we still claim insurance?

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User_897c100c
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May 10, 2026 at 2:58 am

My grandmother was admitted in an emergency to a newly opened hospital in Sathyamangalam, Tamil Nadu. She had leg surgery and is still in the hospital.

We have PMJAY/Ayushman Bharat insurance, but later we found out that this hospital is not yet approved under PMJAY, so cashless insurance was not possible.

The total bill may go around ₹3 lakh. Hospital staff told us to keep all bills and try claiming later through grievance or insurance agents.

Has anyone faced a similar situation? Is it possible to claim insurance for emergency treatment in a non-approved hospital? What should we do now while she is still admitted?

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