Do I Still Have to Pay Anything, Even With Cashless Insurance?

Yes, even with cashless insurance, you still have to pay for non-medical essentials at the hospital. Cashless insurance means insurers allow you to get admitted to a hospital and receive timely treatment without upfront payments.

This is because your insurer directly settles covered hospital bills. However, you remain responsible for non-medical items, out-of-network limits, and certain policy deductibles.

Buy a cashless family health insurance plan and enjoy coverage benefits for yourself, your dependent children, parents, and spouse.

What Do You Have to Pay with Cashless Insurance?

1. Non-Medical Expenses (Exclusions)

Health insurance policies only cover your hospital payments, including treatment costs, doctor consultations, and some tests. But you are responsible for utility, non-medical, and administrative items, which include:

• Attendant food, toiletries, and extra meals


• Registration or admission fees


• Masks, gloves, and housekeeping charges


• Disinfectants and hydrogen peroxide

2. Co-payments and Deductibles

If you are a senior citizen or you choose a plan with a co-pay or deductible, depending on your policy terms, you have to pay your share of the bill.

• A fixed amount you have to pay from your pocket before insurance covers your hospital bill.

• A percentage of your overall eligible hospital bills that you pay out of pocket. For example, it can be 10% or 20% of your total hospital bill.

3. Consumables

Some standard health insurance policies do not cover the expense of disposable medical items such as needles, syringes, or surgical dressings.

4. Hospital Cash

Do you have to pay hospital deposits with cashless insurance? During admission, the hospital may ask you to pay a standard refundable deposit, generally between ₹10,000 and ₹50,000, while your cashless hospitalisation request is being processed.

5. Fertility Treatments and Pregnancy

Some standard health insurance policies might not cover the expense of fertility-related treatments and pregnancy costs.

6. Mental Health Conditions

If you plan to get medical consultation for mental health treatments, cashless health insurance policies may not fully cover that.

What are the Benefits of Having Cashless Health Insurance?

Financial relief during emergencies

Cashless insurance plans eliminate the stress of arranging money for hospital payments during unexpected health emergencies.

2. Accessibility and convenience

The major benefit of having cashless health insurance is the convenience, especially during urgent hospitalisation. It allows policyholders to access medical treatments in top-quality hospitals and get timely treatment without financial worry.

3. Quick settlement

Cashless health insurance settles claims faster compared to reimbursement claims. So you can focus on your recovery instead of stressing about the administrative aspects of the claim.

Final Words

Having a cashless policy is beneficial for accessing a wide network of top-tier hospitals in your nearby locations. You can access top-quality healthcare and medical care for yourself and your entire family.

You can add hospital cash or consumables add-on coverage to offset some extra costs. This helps eliminate the need to pay cash at the hospital desk. Consider adding this additional coverage.

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