Network hospitals associated with insurance companies offer cashless treatment benefits to policyholders. If an insured individual seeks treatment at any such hospital, he/she can do so without paying anything out of pocket.
Insurers provide a list of cashless hospitals to policyholders when they purchase a health insurance policy. Additionally, for the ‘cashless hospital near me’ searches, it is common for individuals to get a list of empanelled hospitals on their insurance company’s website.
However, one should know how cashless hospitals work, their benefits and the claim process before availing of services. Following is a look at all such aspects.
|Navi Health Insurance network hospitals||10,000+ network hospitals. EMI starts as low as Rs. 240 per month.97% claim settlement ratio.|
|Aditya Birla Health Insurance network hospitals||More than 7000 network hospitals.Plans start at Rs. 256 per month. 96% claim ratio.|
|Care Health Insurance network hospitals||6000+ network hospitals. Starting price of plans is Rs. 354 per month. 95% claim settlement ratio.|
|Bajaj Allianz Health Insurance network hospitals||More than 5000 network hospitals. Plans start at Rs. 334 per month. The claim settlement ratio is 98%.|
|Cholamandalam Health Insurance network hospitals||Plans starting from Rs. 218 per month. 8000+ network hospitals. 95% claim settlement ratio.|
|Edelweiss Health Insurance network hospitals||More than 5000 network hospitals.Plans start from Rs. 408 per month.|
|Max Bupa Health Insurance network hospitals||6000+ network hospitals. The claim settlement ratio is 96%. Plans start from Rs. 262 per month.|
Unlike other non-partner hospitals, cashless hospitals offer medical treatments for which insured individuals do not need to pay the expenses upfront. Instead, their health insurance provider will settle the costs of room rent, treatment, ambulance, admission charges and doctor’s fees directly with the concerned hospital.
Therefore, policyholders can get coverage up to the limit of the sum insured as per their insurance policy from the network hospitals.
However, insured individuals need to inform the network hospital that their insurance policy covers cashless treatments before seeking treatment. After doing so, they need to furnish a few documents, including the health card issued by the insurance provider, to avail the cashless option.
By searching for a ‘cashless hospital near me’, policyholders can get medical expenses covered without paying anything out of their pockets.
Take a look at the benefits of getting treatment from the aforementioned cashless hospital list:
Arranging funds to pay medical bills can be difficult during unforeseen circumstances. However, obtaining health insurance and getting treatment from an insurer’s cashless network hospital can be convenient as it covers both planned and emergency hospitalisation expenses. A policyholder simply needs to inform his or her insurer before 24 hours of hospitalisation in case of emergencies and 48 hours during planned hospital treatment.
Several insurance providers have tie-ups with a list of hospitals across India. Therefore, policyholders can expect easy access to cashless treatments in their respective cities without any hassle.
While getting treatment from non-network hospitals, individuals need to pay their treatment costs out of their pockets. This way, they can end up paying a higher amount. Even if they opt for reimbursement from insurance companies, they would not be able to avail cashless facilities. On the contrary, if policyholders get treatment from network hospitals, they can avail a cashless claim for the actual treatment costs. Hence, this procedure of getting treatment guarantees affordability and convenience.
To raise a health claim via a cashless network hospital, follow the given steps:
After getting treatment, you must submit a few documents to the hospital management to avail cashless facility. These documents include identification proofs, policy documents and health cards.
However, prior to hospital admission, make sure to search for ‘cashless hospital near me’ to check a list of network hospitals offering cashless facilities.
Although cashless facility covers a number of treatments and procedures, there are a few exclusions as follows:
Reputed insurance providers like Navi offer comprehensive health benefits coverage from over 10,000 network hospitals across 400 locations with premiums starting as low as INR 241 per month. Download the Navi App and obtain cashless claims in under 20 minutes.
Cashless network hospitals, thus, offer a host of benefits that help policyholders secure their finances every time they opt for medical treatment. Therefore, the next time you search for ‘cashless hospital near me’, make sure to go through the list properly, check the benefits offered and other details before choosing a network hospital to make an informed choice and not choose something in haste.
Ans: No. Insurance companies do not charge any additional amount for the cashless claim facility. However, policyholders must intimate the insurance company while getting admitted to a hospital to avail the benefits.
Ans: Not all hospitals have tie-ups with insurance companies. Therefore, it is vital to go through the insurer’s website to check the list of network hospitals before getting treatment.
Ans: In case an insurance company does not have a cashless facility, policyholders can opt for reimbursement.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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