ICICI Lombard cashless hospitals in Panaji

3 hospitals in Panaji appear on ICICI Lombard’s lists as collected on 30 September 2026.

Show your health card and photo ID at the hospital’s insurance desk. The hospital sends a pre-authorisation request to the insurer or TPA. For planned admissions, start this a few days ahead.

Possibly. Under the General Insurance Council’s ‘Cashless Everywhere’ initiative, a registered hospital with at least 15 beds can offer cashless treatment if you inform the insurer 48 hours before a planned admission, or within 48 hours of an emergency admission, subject to the claim being admissible.

A hospital an insurer has specifically excluded and disclosed on its website. That insurer does not pay claims for treatment there, except expenses up to stabilisation in a life-threatening emergency or after an accident (IRDAI standard exclusion Excl11). The exclusion applies only to the insurer that published it.

Ask the insurer for the rejection reason in writing, compare it with your policy wording, and file a written complaint with the insurer’s grievance cell. If that does not resolve it, you can approach the Insurance Ombudsman. We can review your papers and explain the options.