Amid the corona pandemic outbreak, people in India are also getting anxious about their financials and healthcare. The majority of people 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 a 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. You do not need to make the hospitalization payments from your pocket.
Cashless Hospitalization - How it works?
At Care Health Insurance, we offer a cashless hospitalization facility, so you do not need to look for cash to start the treatment. We will directly settle your medical, surgical, and treatment bills to eliminate your monetary burden. Read below how it works:
Cashless Facility at Network Hospitals: This facility is available only at the network hospitals impanelled with us. We have 8350+ network hospitals across the country. Based on your location, you can check our hospital list and opt for the hospital accordingly.
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 our customer support team about hospitalization within 24 hours in emergency and before 48 hours in case of planned admission.
>>Also Read Why You Should Prefer Cashless Health Insurance?
Cashless Claim Settlement Process
It's always better to acquaint yourself with the right information before filing a claim to ensure timely claim settlement. Follow these simple steps for cashless hospitalization:
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.
Over to You!
Therefore, you can prefer our comprehensive health insurance-Care for hassle-free and timely cashless hospitalization. Moreover, you can also check our cashless network hospitals' list to avail of the best healthcare facilities without getting worried about cash. Get it and save your hard-earned money now.