Amid the corona pandemic outbreak, people in India are also getting anxious about their financials and healthcare. The majority of millennials believed that health insurance helps curtail financial and health stress during a medical emergency. Due to protocols of social distancing, lockdown, and rising medical inflation, a cashless hospitalization is one of the seamless benefits of health insurance. Let's understand it in detail:
What is Cashless Hospitalization Facility?
Arranging cash during a medical emergency, standing in a long billing queue, getting into cumbersome paper formalities, especially during COVID-19, create financial and emotional distress. In such a situation, a cashless claim settlement is a big relief. It is the salient feature of health policy under which your treatment and medication bills get settle directly to the hospital (subject to policy terms & conditions). You do not need to make the hospitalization payments from your pocket.
Things You Should Know Before Going for Cashless Hospitalization
It is one of the ways you can get the claim under your health policy. Your medical, surgical, and treatment bills directly paid to the network hospital. Below are some essential things that you should know before filing your claim under cashless claim:
Cashless Facility at Network Hospitals: This facility is available only at network hospitals. These are the hospitals that are emplaned with us.
Submit Documents: Submit all the required hospital bills, diagnosis, prescription, and treatment plan to the claim management team and hospital TPA within the stipulated period.
Quick Intimation: You need to intimate about hospitalization within 24 hours in case of emergency and before 48 hours in case of planned admission.
Cashless Claim Settlement Process
Its always better to acquaint yourself with the right information before you make a move to avoid last-minute chaos and claim rejection. With us, cashless hospitalization is quick and simple:
Network Hospitals- We have 7800+ network hospitals across the country. Based on your location, you can check the Care Health Insurance (Formerly Religare Health Insurance) hospital list and opt for the hospital accordingly.
Intimation- In case of emergency, you have to intimate to our claim management team within 24 hours of hospitalization, and in planned hospitalization, 48 hours before admission.
Pre-Authorization Form- For a cashless claim, you have to fill the pre-authorization form available at the hospital's insurance / TPA Desk and send it to our claim management team for further process.
Approval Letter-After verification by our claim management team, you will get an approval letter.
Query- If there is any query from the claim management team, you or the hospital staff must respond to it.
Rejection- Your claim can get rejected by the claim management team subject to policy terms, conditions, information, and documents.
Re-filing - In the denial of a cashless claim, you can carry on your treatment per doctor's advice, and file for reimbursement claim.
Over to You!
Therefore, for hassle-free and timely cashless hospitalization, you can prefer our comprehensive health product-Care. Check the Care Health Insurance (Formerly Religare Health Insurance) hospital list and avail of the best healthcare facilities without getting worried about cash. Get it and secure yourself now.