Q1: What are the benefits of Raksha Prime Discharge?
With Raksha Prime Discharge, you can leave the hospital immediately after your doctor advises discharge. This eliminates the usual 6–8 hour wait time for claim approval and billing. It offers a faster, more convenient hospital exit experience. To know more, visit rakshaprime.mediassist.in.
Q2: Are there any extra charges for this service?
No, there are no extra charges for availing Raksha Prime Discharge.
Q3: Whom should I pay the refundable deposit amount to—the hospital or Medi Assist?
The refundable deposit is paid directly to the hospital, not Medi Assist.
Q4: What is OOP (Out-of-Pocket)? And what is a refundable deposit?
OOP refers to the amount you may have to pay personally for hospital expenses not covered by your insurance. This could include:
- Non-medical items (e.g., gloves, tissues, registration fees)
- Co-payment (if applicable)
- Proportionate deductions (if a higher room category is selected)
- Sub-limits on treatments
- Costs exceeding your sum insured
The refundable deposit or estimated OOP is a preliminary calculation by Medi Assist using AI/ML tools. It is based on your treatment, hospital tariffs, and insurance policy. The final OOP amount is confirmed once your insurer approves the claim.
Q5: What if there is a difference between the estimated OOP and the final OOP?
If the final OOP is higher than the estimate, you will be asked to pay the difference. If it is lower, the hospital will refund the excess amount.
Q6: Who refunds the excess deposit—the hospital or Medi Assist?
The hospital refunds the excess amount, as the deposit was paid to them.
Q7: What if the deposit is less than the actual OOP?
If the actual OOP is higher than the deposit paid, you will be contacted and provided with payment instructions for the balance amount.
Q8: How long does it take to get a refund from the hospital?
Refund timelines depend on the payment mode:
- UPI/Online: 3–5 working days
- Cash: Immediate or via NEFT
- Debit/Credit Card: 15–20 working days
Q9: What if the hospital charges more than the refundable deposit informed by you?
The hospital should not charge more than the estimated deposit without justification. Any such discrepancies will be investigated and resolved.
Q10: What is included in the Estimated OOP breakdown?
The Estimated OOP may include:
- Non-medical expenses
- Co-pay (if applicable)
- Proportionate deductions
- Sub-limits on treatments
- Costs above the sum insured
Q11: How quickly can Raksha Prime Discharge happen?
Discharge can happen immediately after the doctor advises it, without waiting for insurance approval or final billing.
Q12: Are any additional documents required?
No, there is no need to submit any extra documents to use this service.
Q13: What if I already know that my policy has no co-pay or non-medical deductions—should I still use this service?
Yes. Even if your policy covers everything, Raksha Prime Discharge helps you avoid the long wait and ensures a faster hospital exit. Any refundable amount will be processed once the claim is finalized.
Q14: What is Xpress Checkout service?
Xpress Checkout has now been renamed Raksha Prime Discharge. The service remains the same—only the name has changed.
Q15: Is Raksha Prime the same as Raksha TPA?
No. Raksha Prime is a premium discharge service by Medi Assist. Raksha TPA is a third-party administrator that handles insurance claims and is now part of the Medi Assist group. The two are distinct entities with separate functions.
Q16: Is Raksha Prime available on Sundays or public holidays?
Yes, Raksha Prime is available every day, including Sundays and public holidays. However, if the hospital help desk is closed, you can still reach our central Raksha Prime team at +91 1206937807, available from 9:30 AM to 6:00 PM.
Q17: Can the Raksha Prime deposit (if paid extra) be adjusted against future treatments?
This depends on the hospital’s policy:
- If No, excess deposit will be refunded and cannot be adjusted.
- If Yes, the hospital may allow the deposit to be adjusted against future admissions.
Q18: Why am I asked to fill the consent form before paying the OOP?
The consent form confirms that:
- You understand the Raksha Prime process and the estimated OOP amount.
- You acknowledge that the hospital bill may change based on final treatment and insurance approval.
- You are aware that Medi Assist facilitates the discharge but does not collect payments or guarantee claim outcomes.
This form serves as a formal acknowledgment of the process.
Q19: How is the OOP (Out-of-Pocket) amount calculated in Raksha Prime?
The estimate is generated by Medi Assist’s AI/ML engine, which analyzes past claims, your policy terms, hospital tariffs, and typical deductions. While it’s usually accurate, the final amount depends on actual hospital billing and insurer approval.
Q20: Can someone else sign the consent form on behalf of the patient?
Yes, a family member or attender can sign the consent form on the patient’s behalf if the patient is unavailable or unable to sign.
Q21: Is the consent form legally binding?
The consent form is not a legal contract. It is a formal acknowledgement that you have been informed about the Raksha Prime process, the estimated OOP, and that billing and final claim decisions rest with the hospital and insurer.
