🏥 Malik Developing Society – Refund Policy

1. Advance Payments
   • All patients are required to deposit advance charges at the time of admission or before availing certain services.
   • Advance deposits will be adjusted against the final bill at the time of discharge.
2. Non-Refundable Charges
   • Consultation fees, registration charges, emergency fees, and consumables once used are non-refundable.
   • Package booking charges are non-refundable once treatment or procedures have commenced.
3. Refund Eligibility
   • Refunds may only be considered in the following cases:
     • If the patient decides not to proceed with admission before availing any service.
     • If a scheduled surgery/procedure is cancelled by the hospital for administrative/medical reasons.
     • If excess payment has been made by the patient.
4. Refund Process
   • Refund requests must be submitted in writing along with the original receipt.
   • Refunds will be processed only after verification and necessary approvals by the hospital management.
   • Approved refunds will be made through bank transfer / cheque / UPI within 7–15 working days.
5. Insurance / TPA Cases
   • For insured patients, refunds will be processed only after final settlement with the insurance company/TPA.
   • Any deductions made by the insurer are the patient’s responsibility.
6. Mode of Refund
   • No cash refunds above ₹2,000 will be given.
   • Refunds will be made through the same mode of payment used by the patient, wherever possible.
7. Final Authority
   • The decision of Asia Hospital Management shall be final in all matters related to refunds.