What is Cashless Health Insurance?

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Cashless health insurance refers to medical insurance that lets you receive quality treatment without paying upfront. Here, the insurer settles the bills directly with the hospital, so that policyholders can solely focus on their recovery.


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What are the Types of Cashless Health Insurance?


There are different types of cashless health insurance, such as:



  1. Cashless Individual Health Insurance: This type of healthcare policy allows an individual to receive medical expenses for illness, injury, or hospitalisation at hospitals within the network.

  2. Cashless Family Health Insurance: It covers all medical expenses incurred during the hospitalisation of the all family under a single policy.

  3. Cashless Senior Citizen Health Insurance: This type of mediclaim policy helps senior citizens (aged 60 and above) receive cashless treatment at network hospitals.

  4. Cashless Maternity Health Insurance: All expenses incurred during hospitalisation for pregnancy are covered under the cashless maternity health insurance plan. It also covers the newborn’s treatment, including vaccinations.


What is Covered by Cashless Health Insurance?


The following aspects are covered in a cashless health insurance:



  • Hospitalisation Expenses: The insured receives a cashless benefit for hospitalisation expenses, including room rent, ICU (intensive care unit) and HDU (high-dependability unit) fees, pathological tests, radiological examinations, doctor fees, and more.

  • Pre- and Post-Hospitalisation Charges: Expenses incurred before admission (tests/consultations) and after discharge (follow-up appointments/medicines) are covered under the cashless health insurance.

  • Daycare Treatment: For oncology, dialysis, and other specific diseases, the cashless facility is available to policyholders at network hospitals. The insured must obtain a pre-authorisation letter to access the cashless facility.


How Does Cashless Health Insurance Work?


The claim process of cashless health insurance is as follows:



  • Step 1: Visit a Network Hospital: The insurer has partnerships with various medical facilities, known as network hospitals. Visit any of your preferred network hospitals for treatment.

  • Step 2: Inform Your Insurer: Call your insurer at least 48 hours prior to the treatment to inform them.

  • Step 3: Obtain Pre-Authorisation: You must obtain a pre-authorisation form from the insurer, either from their website or from the insurance desk. Submit it with proper details and wait for the insurer to verify and approve.

  • Step 4: Receive Claim Settlement: Once the insurer approves the pre-authorisation request, the policyholder is authorised to receive treatment, and the insurer directly pays all bills, as per the authorisation letter.


A cashless health insurance plan helps access high-quality medical care without draining your finances. This provides the policyholder with cashless treatment during hospitalisation and other medical expenses. Thus, it’s best to choose a suitable cashless health plan to minimise your worries in medically urgent situations.