Suffering from anal fissures can be extremely painful and affect your daily life. While some cases heal with medication and home remedies, chronic or severe anal fissures often require surgical treatment. If you hold an ICICI Lombard health insurance policy, you can avail of cashless treatment at a network hospital, making your surgical experience smoother and financially stress-free.
This blog will guide you on how to avail a cashless treatment for anal fissure surgery at an ICICI Lombard cashless hospital, explain the claim process, and provide tips for choosing the right hospital.
Understanding Anal Fissure Surgery
An anal fissure is a small tear in the lining of the anus, causing pain, bleeding, and discomfort during bowel movements. Surgery is recommended if conservative treatments like diet changes, medications, or ointments do not help.
Anal fissure surgery is usually performed under local or general anesthesia, often as a minimally invasive procedure. Choosing a cashless hospital of ICICI Lombard ensures that the treatment is financially convenient and covered under your health insurance plan.
What is a Cashless Hospital under ICICI Lombard?
A cashless hospital under ICICI Lombard is a network hospital where policyholders can undergo treatment without paying the hospital directly. Instead, the insurance company settles the expenses directly with the hospital.
Some benefits of choosing a cashless hospital of ICICI Lombard include:
- Minimal out-of-pocket expenses
- Fast processing of medical bills
- Hassle-free pre-authorization and claim settlement
- Access to experienced surgeons and hospitals for specialized treatments like anal fissure surgery
Step 1: Verify Policy Coverage
Before opting for cashless treatment, ensure your ICICI Lombard health insurance policy covers surgical procedures, including anal fissure surgery. Check the following:
- Sum insured: Adequate coverage for surgery, hospital stay, and medications
- Waiting period: Certain surgical procedures may have a waiting period
Exclusions: Verify whether anal fissure surgery or pre-existing conditions are excluded
Step 2: Locate a Cashless Hospital
ICICI Lombard has a comprehensive network of cashless hospitals across India. To find the right hospital:
- Visit the ICICI Lombard cashless hospital list on their official website
- Search by city or area to locate a cashless hospital near you
Confirm with the hospital that they accept ICICI Lombard cashless claims
Step 3: Submit Pre-Authorization Request
For planned anal fissure surgery, you must request pre-authorization from ICICI Lombard:
- Inform ICICI Lombard 48 hours before hospitalization via the IL Take Care (ILTC) app or customer care
- Submit the pre-authorization form with:
- Policy number and details
- Diagnosis and doctor’s prescription
- Hospital details and estimated cost
- Identity proof
- Policy number and details
- Hospital staff forwards the request to ICICI Lombard for approval
Upon approval, you will receive a cashless authorization letter, confirming that the hospital will directly bill ICICI Lombard.
Step 4: Undergoing Surgery
Once your pre-authorization is approved, you can undergo anal fissure surgery at the chosen hospital. During hospitalization:
- Ensure all documents are properly submitted
- Some non-covered expenses, like surgeon’s fee, special medicines, or room upgrades, may need to be paid upfront
- Keep a copy of all records for future reference
Step 5: Discharge and Settlement
After the surgery:
- Collect the discharge summary, invoices, and receipts
- Submit additional documents if required for final claim settlement
- Check if post-hospitalization expenses (follow-ups, medications) are covered under your policy
Proper documentation ensures a smooth ICICI Lombard cashless claim process.
Advantages of Cashless Treatment for Anal Fissure Surgery
- No upfront payment – reduces financial burden
- Quick access to network hospitals – ensures specialized care
- Direct billing – ICICI Lombard settles bills with the hospital
- Simplified paperwork – pre-authorization streamlines treatment
- Covers multiple hospital services – including surgery, room rent, diagnostics, and medicines
Frequently Asked Questions
Cashless treatment is only available at ICICI Lombard network hospitals or approved hospitals under their Anywhere Cashless facility.
Usually 24–48 hours for planned hospitalization; emergencies may require notification within 24 hours.
Yes, if it is included in your policy and performed at a cashless hospital of ICICI Lombard.
Visit the ICICI Lombard cashless hospital list on their website and search by city or region.
Conclusion
For patients in Vadodara, Sushrut Piles Hospital offers specialized care for anal fissure surgery with the convenience of ICICI Lombard cashless treatment. By verifying your policy, choosing our hospital, and completing the pre-authorization process, you can undergo surgery without worrying about upfront payments.
Plan your treatment at Sushrut Piles Hospital, Vadodara, and experience hassle-free, cashless surgery with ICICI Lombard today.
Book your consultation now and find out if your surgery is eligible for cashless settlement!