Illustrative sample dataset (Phase 0).
Hospital details in this directory, including ROHINI-style IDs, empanelment status, and contact figures, are sample data not yet verified against insurer network lists or IRDAI filings. Always confirm cashless eligibility directly with your insurer or TPA before admission.
ROHINI-style ID: 8900012345362 JCI NABH NABL
Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37
Sector 44, Gurugram, Haryana - 122002
Before Admission, Confirm Cashless:
- Call your insurer's 24/7 helpline (see GRO contacts in the matrix below)
- Quote this hospital's name, city, and your policy number
- No direct tie-up? Use the GIC Cashless Everywhere 48-hour intimation SOP
Registered City Sector 44
Bed Capacity 562+ Inpatient Beds
Direct Cashless Tie-ups 20 Insurers Active
GIC Cashless Everywhere 12 Insurers (48h Notice)
All 32 Insurance Companies Cashless Acceptance Matrix
32 InsurersIndicative (sample) cashless acceptance and GIC Cashless Everywhere eligibility at Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37. Verify directly with the insurer before admission.
✓ 20 Direct Cashless Active
12 Cashless Everywhere (48h SOP) How this works ↓
Sample dataset: verify status with your insurer
| Insurance Company | Category | Cashless Status | 3-Yr Avg CSR | Pre-Auth / Intimation Email | GRO Helpline |
|---|---|---|---|---|---|
| Star Health & Allied Insurance IRDAI Reg #129 | Standalone Health (SAHI) | Direct Network Active | 89.4% | cashless@starhealth.in | 1800-425-2255 |
| Care Health Insurance (formerly Religare) IRDAI Reg #148 | Standalone Health (SAHI) | Direct Network Active | 92.6% | claims@careinsurance.com | 1800-102-4488 |
| Niva Bupa Health Insurance (Max Bupa) IRDAI Reg #145 | Standalone Health (SAHI) | Direct Network Active | 91.8% | cashless.authorisation@nivabupa.com | 1860-500-8888 |
| Aditya Birla Health Insurance IRDAI Reg #153 | Standalone Health (SAHI) | Direct Network Active | 92.4% | abhi.cashless@adityabirlacapital.com | 1800-270-7000 |
| ManipalCigna Health Insurance IRDAI Reg #151 | Standalone Health (SAHI) | Direct Network Active | 91.2% | servicesupport@manipalcigna.com | 1800-102-4462 |
| Narayana Health Insurance IRDAI Reg #165 | Standalone Health (SAHI) | Direct Network Active | 90.5% | insurance.desk@narayanahealth.org | 1800-309-0309 |
| Galaxy Health Insurance IRDAI Reg #166 | Standalone Health (SAHI) | Direct Network Active | 89% | cashless@galaxyhealth.com | 1800-419-0100 |
| HDFC ERGO General Insurance IRDAI Reg #146 | Private General Insurer | Direct Network Active | 94.1% | preauth@hdfcergo.com | 022-6234-6234 |
| ICICI Lombard General Insurance IRDAI Reg #115 | Private General Insurer | Direct Network Active | 93.8% | ihealthcare@icicilombard.com | 1800-2666 |
| Bajaj Allianz General Insurance IRDAI Reg #113 | Private General Insurer | Direct Network Active | 92.2% | hat@bajajallianz.co.in | 1800-209-5858 |
| Tata AIG General Insurance IRDAI Reg #108 | Private General Insurer | Direct Network Active | 91.6% | healthclaimsupport@tataaig.com | 1800-266-7780 |
| SBI General Insurance IRDAI Reg #144 | Private General Insurer | Direct Network Active | 89.8% | customer.care@sbigeneral.in | 1800-102-1111 |
| Reliance General Insurance IRDAI Reg #103 | Private General Insurer | Direct Network Active | 88.5% | rgic.cashless@relianceada.com | 1800-3009 |
| Go Digit General Insurance IRDAI Reg #158 | Private General Insurer | Direct Network Active | 88.9% | healthclaims@godigit.com | 1800-258-5956 |
| Acko General Insurance IRDAI Reg #157 | Private General Insurer | Direct Network Active | 87.8% | healthhelp@acko.com | 1800-266-2256 |
| Royal Sundaram General Insurance IRDAI Reg #102 | Private General Insurer | Direct Network Active | 90.1% | healthclaims@royalsundaram.in | 1860-425-0000 |
| IFFCO Tokio General Insurance IRDAI Reg #106 | Private General Insurer | Direct Network Active | 89.7% | healthclaims@iffcotokio.co.in | 1800-103-5499 |
| Future Generali India Insurance IRDAI Reg #132 | Private General Insurer | Direct Network Active | 88.4% | ghclaims@futuregenerali.in | 1800-220-233 |
| Cholamandalam MS General Insurance IRDAI Reg #123 | Private General Insurer | Direct Network Active | 87.6% | helpdesk@cholams.murugappa.com | 1800-208-5544 |
| Kotak Mahindra General Insurance (Zurich Kotak) IRDAI Reg #152 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 89.1% | care@kotak.com | 1800-266-4545 |
| Universal Sompo General Insurance IRDAI Reg #134 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 86.8% | healthclaims@universalsompo.com | 1800-22-4030 |
| Magma HDI General Insurance IRDAI Reg #149 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 88.2% | healthclaims@magma-hdi.co.in | 1800-266-3202 |
| Navi General Insurance IRDAI Reg #155 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 89.6% | health.claims@navi.com | 1800-123-0004 |
| Liberty General Insurance IRDAI Reg #150 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 87.5% | healthclaims@libertyinsurance.in | 1800-266-5844 |
| Raheja QBE General Insurance IRDAI Reg #141 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 86.9% | healthclaims@rahejaqbe.com | 1800-102-7723 |
| Shriram General Insurance IRDAI Reg #137 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 88.1% | healthclaims@shriramgi.com | 1800-180-7474 |
| Zuno General Insurance (formerly Edelweiss) IRDAI Reg #159 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 87.2% | claims@hellomoto.in | 1800-120-00 |
| Kshema General Insurance IRDAI Reg #162 | Private General Insurer | Cashless Everywhere (48h Pre-Auth) | 86% | claims@kshema.co | 1800-889-1166 |
| The New India Assurance Company (PSU) IRDAI Reg #190 | Public Sector (PSU / GIPSA) | Direct Network Active | 88.2% | healthclaims@newindia.co.in | 1800-209-1415 |
| National Insurance Company (PSU) IRDAI Reg #191 | Public Sector (PSU / GIPSA) | Cashless Everywhere (48h Pre-Auth) | 86.4% | cashless.helpdesk@nic.co.in | 1800-345-0330 |
| United India Insurance Company (PSU) IRDAI Reg #192 | Public Sector (PSU / GIPSA) | Cashless Everywhere (48h Pre-Auth) | 87.1% | customercare@uiic.co.in | 1800-425-3333 |
| The Oriental Insurance Company (PSU) IRDAI Reg #193 | Public Sector (PSU / GIPSA) | Cashless Everywhere (48h Pre-Auth) | 85.9% | claims.health@orientalinsurance.co.in | 1800-11-8485 |
Star Health & Allied Insurance
IRDAI #129 • Standalone Health (SAHI)
3-Yr CSR 89.4%
Direct Network Active
Care Health Insurance (formerly Religare)
IRDAI #148 • Standalone Health (SAHI)
3-Yr CSR 92.6%
Direct Network Active
Niva Bupa Health Insurance (Max Bupa)
IRDAI #145 • Standalone Health (SAHI)
3-Yr CSR 91.8%
Direct Network Active
Aditya Birla Health Insurance
IRDAI #153 • Standalone Health (SAHI)
3-Yr CSR 92.4%
Direct Network Active
ManipalCigna Health Insurance
IRDAI #151 • Standalone Health (SAHI)
3-Yr CSR 91.2%
Direct Network Active
Narayana Health Insurance
IRDAI #165 • Standalone Health (SAHI)
3-Yr CSR 90.5%
Direct Network Active
Galaxy Health Insurance
IRDAI #166 • Standalone Health (SAHI)
3-Yr CSR 89%
Direct Network Active
HDFC ERGO General Insurance
IRDAI #146 • Private General Insurer
3-Yr CSR 94.1%
Direct Network Active
ICICI Lombard General Insurance
IRDAI #115 • Private General Insurer
3-Yr CSR 93.8%
Direct Network Active
Bajaj Allianz General Insurance
IRDAI #113 • Private General Insurer
3-Yr CSR 92.2%
Direct Network Active
Tata AIG General Insurance
IRDAI #108 • Private General Insurer
3-Yr CSR 91.6%
Direct Network Active
SBI General Insurance
IRDAI #144 • Private General Insurer
3-Yr CSR 89.8%
Direct Network Active
Reliance General Insurance
IRDAI #103 • Private General Insurer
3-Yr CSR 88.5%
Direct Network Active
Go Digit General Insurance
IRDAI #158 • Private General Insurer
3-Yr CSR 88.9%
Direct Network Active
Acko General Insurance
IRDAI #157 • Private General Insurer
3-Yr CSR 87.8%
Direct Network Active
Royal Sundaram General Insurance
IRDAI #102 • Private General Insurer
3-Yr CSR 90.1%
Direct Network Active
IFFCO Tokio General Insurance
IRDAI #106 • Private General Insurer
3-Yr CSR 89.7%
Direct Network Active
Future Generali India Insurance
IRDAI #132 • Private General Insurer
3-Yr CSR 88.4%
Direct Network Active
Cholamandalam MS General Insurance
IRDAI #123 • Private General Insurer
3-Yr CSR 87.6%
Direct Network Active
Kotak Mahindra General Insurance (Zurich Kotak)
IRDAI #152 • Private General Insurer
3-Yr CSR 89.1%
Universal Sompo General Insurance
IRDAI #134 • Private General Insurer
3-Yr CSR 86.8%
Magma HDI General Insurance
IRDAI #149 • Private General Insurer
3-Yr CSR 88.2%
Navi General Insurance
IRDAI #155 • Private General Insurer
3-Yr CSR 89.6%
Liberty General Insurance
IRDAI #150 • Private General Insurer
3-Yr CSR 87.5%
Raheja QBE General Insurance
IRDAI #141 • Private General Insurer
3-Yr CSR 86.9%
Shriram General Insurance
IRDAI #137 • Private General Insurer
3-Yr CSR 88.1%
Zuno General Insurance (formerly Edelweiss)
IRDAI #159 • Private General Insurer
3-Yr CSR 87.2%
Kshema General Insurance
IRDAI #162 • Private General Insurer
3-Yr CSR 86%
The New India Assurance Company (PSU)
IRDAI #190 • Public Sector (PSU / GIPSA)
3-Yr CSR 88.2%
Direct Network Active
National Insurance Company (PSU)
IRDAI #191 • Public Sector (PSU / GIPSA)
3-Yr CSR 86.4%
United India Insurance Company (PSU)
IRDAI #192 • Public Sector (PSU / GIPSA)
3-Yr CSR 87.1%
The Oriental Insurance Company (PSU)
IRDAI #193 • Public Sector (PSU / GIPSA)
3-Yr CSR 85.9%
No insurer found matching your search
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IRDAI & GIC Patient Admission Guide
How Cashless Admission Works at Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37
Understand the statutory difference between Direct Network Active and Cashless Everywhere (48h Pre-Auth) so you and your family never face surprise out-of-pocket billing at the hospital counter.
Direct Network Active
The hospital holds an active, pre-signed MOU and agreed package tariff rates with this insurer. The hospital's TPA desk directly handles your claim.
1
At Admission Desk:
Present your Health Insurance E-card / Policy Number and Government ID (Aadhaar/PAN) at the hospital TPA counter.
2
Instant Portal Pre-Auth:
The hospital fills Form Part C and submits online directly through their insurer portal.
3
Turnaround Time:
Initial cashless sanction letter (Letter of Authorization) is typically granted within 1 to 2 hours.
Cashless Everywhere (48h SOP)
The insurer has no direct desk tie-up with this hospital. Under the GIC "Cashless Everywhere" framework (2024), you can avail cashless settlement at this hospital by following the 48-hour intimation rule.
1
Planned Hospitalization (Mandatory 48h Notice):
Email the doctor's admission advice & estimated cost to the Pre-Auth Email listed in the table at least 48 hours before admission.
2
Emergency Hospitalization:
Get admitted immediately. You or your family must notify the insurer within 48 hours after admission quoting hospital ROHINI ID (8900012345362).
3
Insurer Verification:
The insurer contacts Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37's billing desk, verifies ROHINI credentials, and sends an ad-hoc Letter of Authorization (LOA).
💡
Important Patient Advisory for Cashless Everywhere:
Because Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37 may not hold an active tariff contract with out-of-network insurers, the hospital billing desk may ask for an upfront refundable security deposit while waiting for the insurer's Letter of Authorization. Once the cashless claim is settled upon discharge, the hospital will refund this deposit. Always keep written proof or acknowledgement of your 48-hour email intimation.
Room Rent Gotchas Advisory for Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37
In metro tertiary care hospitals like Fortis Memorial Research Institute & Hospitals - Sector 44, Gurugram Unit 37, standard single private rooms typically range from ₹7,500 to ₹14,000 per day. If your health insurance policy caps room rent at 1% of Sum Insured (e.g. ₹5,000/day on a ₹5 Lakh policy), choosing a single private room will trigger a proportionate deduction penalty on your surgeon, OT, and nursing fees.