Cashless health insurance is an incredible option during emergency hours. You can completely rely on this advantage during treatments, surgeries and medical assistance needed by you or your family member. You do not have to worry at all about how all the financial transactions will be sorted or how all medical/hospitalizations bills will be paid off. You just need to get the treatment done and rest your health insurance policy will take care of.
How does this feature work for you?
Under cashless health insurance policy, insurance company is tied up with thousands of hospitals all over the country that allows you to get cashless transaction facility availed. You are supposed to get treatment done from any of these hospitals without having to worry about the treatment costs. You do not handle the bills payment as insurance company handles this for you.
Insurance company directly deals with the hospital bills and you get worriless treatment done. You must always check list of hospitals while getting a cashless health insurance for you and your family. You can even call the company’s customer care or toll free number to know the list of hospitals under their cashless insurance facility.
Know the whole procedure to get an advantage
You must be fully aware of the process before you avail cashless transaction facility at the hospital. Here is the process to help you:
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Learn about the complete hospital network which is linked under your cashless health insurance policy.
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Go to the insurance section available in the hospital; get all your queries sorted and ask for the pre-authorization form.
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Submit completely and correctly filled form.
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Your cashless transaction will get processed by the company immediately and you do not have to worry at all.
What are the benefits of cashless health insurance policy?
You get treatment anywhere in networked hospitals without paying any money. Insurance company will pay all the medical and hospitalization bills. One thing that must be kept in mind is that you need to get treatment done only from one of the networked hospitals mentioned in the terms and conditions of your health insurance policy.
You can get this facility for both your planned and emergency situations.
The other benefits of cashless insurance policy are:
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When you cannot arrange so much of cash or monetary value required during emergency situations, cashless is the most viable option.
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You do not have to submit any document or reports or required to do formalities; insurance company handles that directly with the hospital.
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There is absolutely no waiting period on your sum insured under such health policy; you or your family member can get hospitalized and claim/ cashless transaction starts from that very moment.
What are the things that are not included under cashless health insurance policy?
Things that are not included under such policies are:
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Private nurses
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Registration charges at the hospital
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Sales Tax or service charges
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Visitor fees
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Ambulance charges (if any)
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Oxygen masks/diapers/food
Cashless health insurance is meant to keep you healthy and stress-free.