How Do Network Hospitals Simplify Access to Treatment?

A health insurance policy offers a reliable shield and provides financial security against medical expenses. Did you know they also have something called a ‘network hospital’ to make it easier for you to get treatment? Well, every health insurance provider has a tie-up with medical facilities where you can avail of cashless hospitalisation.

Read on to know more about how you can do it.

What are Network Hospitals in Health Insurance?

A network hospital refers to any partner hospital of your selected health insurance provider. It means that your insurer has tie-ups with these specific medical institutions.

At these network hospitals, you can avail the benefit of cashless hospitalisation. It means you can avail hospitalisation and facilities upfront without having to make any payments.

What are the Benefits of Network Hospitals in Health Insurance Policies?

1. Upfront Bill Settlement

If your insurance provider agrees to a cashless settlement at any network hospital, they will pay the hospital bill directly. You will then only have to pay for the expenses which are not covered by the policy. Examples of such exclusions include registration fees, administrative fees, etc.

2. Less Paperwork

Another great benefit is that you do not have to worry about paperwork with cashless hospitalisation. The TPA desk of the hospital will handle all necessary documents for you and share them with your chosen insurer. This also helps with emergency assistance and prioritises treatment over settling of bills and formalities.

How to Claim Cashless Hospitalisation at Network Hospitals?

Wondering what the steps are to do cashless hospitalisation at network hospitals? Well, here are a few steps to follow for that:

1. Avail a Pre-Authorisation

If you want to get hospitalised in a network hospital and choose the option of a cashless claim, make sure to inform the insurance company about your hospitalisation. They will then give you a pre-approval known as 'pre-authorisation' through your hospital.

If it is a planned hospitalisation, then it is of utmost importance that you inform the insurer beforehand. The pre-authorisation process will then be completed before hospitalisation.

2. Final Bill Settlement

After your discharge date is confirmed, the hospital insurance desk will send the final bills and necessary documents to the insurer. The insurer will then conduct a review, approve them and settle your payment directly with the hospital.

How to Find a Network Hospital List for My Insurer?

You can easily find the list of network hospitals for your selected insurer by visiting their website. The majority of insurers have a list of network hospitals listed on their site for policyholders to browse and select from.

Final Words

The network hospital list of an insurer is a determining factor to consider before making the final purchase of a health insurance policy. By understanding the extensive list of network hospitals, you can easily navigate the process of hospitalisation when the need arises.

Make sure to keep tabs on the website of the insurance provider you choose to keep yourself updated on the current list of network hospitals.