Cashless hospitals in Gangtok

This list has 1 hospitals in and around Gangtok that appear on at least one of the five insurers’ published lists (collected 30 September 2026).

ICICI Lombard, New India Assurance, United India Insurance, National Insurance and Oriental Insurance. Bajaj General is not yet included.

PPN (Preferred Provider Network) hospitals have agreed package rates with the four public-sector insurers. In PPN cities these insurers generally allow cashless treatment only at PPN hospitals; elsewhere you may need to claim reimbursement.

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.