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Cashless claim is the most important feature of a health insurance plan. With the help of this facility, you can get quality treatment at any of the network hospitals without worrying about the medical expenses. Let's understand more about cashless claim in health insurance.
In a cashless claim, the insured does not have to pay the medical expenses in case of hospitalization. The hospitals that provide cashless claims for every treatment to the insured are known as network hospitals, located at different areas. Hospitals that are not listed on the list are known as non-network hospitals and claims are processed on a reimbursement basis and not on a cashless basis.
To make a claim on cashless health insurance, the insured should following steps:
In the case of immediate hospitalization, the insured is required to inform our customer support team within 24 hours after hospitalization. In case of planned hospitalization, intimation before 48 hours is required.
>> Click Here to Know How Cashless Health Insurance Work
The insured must be aware that the cashless claim process can be denied in a network hospital.It is important to know the situations in which the cashless claims can be rejected:
• When the insured gets the treatment at a non-network hospital and where cashless treatment is not allowed and the claim is rejected.
• If the policy has lapsed.
• If there is a waiting period for covering treatment for a certain medical condition.
• If the pre-authorization request is not given on due time.
• If the doctor or hospital does not provide enough details to the policyholder.
Before the expiry of the health insurance plan, it is advised to renew the policy. A cashless claim policy can be renewed by the insured anytime during lifetime.
The most common financial hassle that is faced at the hospital is paying a medical bill and handling all the paperwork. In such a critical situation, anyone would like to stay with the family. With the facility of a cashless claim, such situations can be avoided and the process can be made quicker.
Care Health Insurance (Formerly Religare Health Insurance) offers an easier hospitalization process with the cashless claim process within 2 hours. One needs to follow the claim settlement process and submit the required documents. We provide a smooth process and our insurance advisors are always there to help you out.
Disclaimer: Please read the brochure and prospectus to know more about our health insurance plans cover as conditions may vary.
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