Like other insurance schemes, Sehat Sahulat Programme has a list of predefined hospitals where the Sehat Insaf Cardholders can utilize the services. These are called the panel hospitals.
If you are seeking secondary care for minor illnesses, you will be treated at a panel hospital within your district. If a treatment is not possible at a panel hospital in your district, the insurance staff will refer you to a bigger hospital in another city, and the treatment will be provided under the programme.
With the exception of an emergency like a road traffic accident, if you go to a panel hospital outside your district without a referral letter, your treatment may be refused under the scheme, and you will have to pay for your own treatment.
Every programme maintains its own list of panel hospitals. The list of hospitals changes from time to time. Therefore, you should always check if the hospital you are visiting is currently on the panel.
In case you receive treatment outside the panel hospitals, the programme will not pay for this treatment. You will have to pay from your pocket.