Network Hospitals: A Key Factor When Selecting Health Insurance Policy

HEALTH INSURANCE PLAN



When buying a health insurance policy, we often look at the prime factors like our medical needs and budget. However, checking for network hospitals is also a crucial point to consider. A look at the list of network hospitals will give you an idea of how easily you can access the cashless hospitalisation facility. A network hospital is a hospital which has a tie-up with the health insurer to offer cashless treatment to the policyholder. Cashless health insurance is convenient as it lowers the load on your savings since the expenses will be directly borne by the insurer, subject to policy terms and conditions.

This article tells you more about network hospitals, a key factor to help you in deciding the health insurance plan for your needs.

A Broad List of Network Hospitals is an Advantage

The process of paying hospital bills in cash and getting reimbursement under a medical insurance policy is time-consuming. It could also be stressful during emergencies as a lot of time goes into arranging money. Thankfully, the facility of cashless treatment by leading health insurers such as Care Health Insurance (Formerly Religare Health Insurance) is extremely helpful.

If your health insurer has network hospitals spanning across the country, then you do not need to worry about availing quality treatment even if you move to another city. An extensive list of cashless network hospitals implies higher chances of finding a good hospital near your location. One need not take the effort of travelling to another place for medical care unless a nearby hospital does not offer the specified treatment.

There are over 7800 network hospitals of Care Health Insurance (Formerly Religare Health Insurance) in India. The company has a tie-up with leading hospitals; it has a presence in all major cities and also in several tier-2 cities in the country.

Benefits of Cashless Health Insurance

Whether it is an emergency or planned hospitalisation, there are tense moments for a patient and his or her family. Besides, one has to follow the admission process and other formalities. However, choosing the cashless route makes things easy. The insured can get cashless treatment using a Health Card, which is an identity card containing policy details. It is beneficial as it saves time and helps in getting a cashless claim. You can also look forward to affordable treatment at a network hospital as compared to treatment at a non-network hospital.

Unlike a network hospital, non-network hospitals do not offer the facility of cashless hospitalisation. If you get medical care in a non-network hospital, then you will have to bear the expenses from your pocket initially. You could then apply for a claim under your health policy, and the insurer will reimburse the costs, subject to policy terms and conditions.

Considering the above facts, the cashless facility keeps one worry-free during the hospitalisation process. Staying well-informed will make things clear. Hence, you must read the policy documents and the claims procedures so that there is no hassle when you need to file a claim. One has to contact the insurer within the time specified. It is 48 hours before admission, for planned hospitalisation; and within 24 hours of getting admitted in case of emergency hospitalisation. Also, remember to carry necessary documents, including your Health Card and identity proof. These steps will eliminate the chances of any hassle or delay in getting timely treatment.

>>Read: Major Differences Between Network and Non-Network Hospitals

Conclusion

Healthcare costs are high, especially in private hospitals. So, you are on the right track if you opt for a health insurance policy with adequate coverage, a safety net in today’s times. Check the Network Hospital List of Care Health Insurance (Formerly Religare Health Insurance) and find hassle-free treatment without any worry about payment of hospital bills. All you need to do is present your health card and submit the pre-authorisation form at the hospital insurance desk. The claim settlement team may raise a query if required and will process the claim after verifying the documents.