What types of expenses are covered under cashless treatment?

A health emergency comes without any prior invitation. Most of the people diagnosed with an ailment after it escalates, making healthcare expenses inevitable. In such conditions, they need to pay huge hospital bills that not only affect their financial stability but are also a hassle to arrange the funds immediately. Thankfully, cashless health insurance takes care of your unexpected medical bills without any hassles. Read ahead to explore what types of expenses are covered under cashless treatment.

Cashless health insurance covers essential medical costs directly settled between the insurance provider and network hospital, including inpatient hospitalisation (room rent, ICU, nursing), surgeon/ healthcare specialist fees, diagnostic tests, and prescribed medications and ambulance charges. It also provides coverage for day care procedures, pre- or post-hospitalisation costs, and organ donor expenses, reducing immediate out-of-pocket financial burden.

The key expenses mentioned below are generally covered through cashless treatment under your health insurance policy:

• Inpatient Hospitalisation: Room rent charges, nursing fees, and ICU charges are generally covered under the cashless treatment benefits.


• Medical Expenses: Healthcare professional consultation charges, surgeon fees, and anesthetics are also covered


• Daycare Procedures: Treatment requiring less than 24 hours, such as dialysis, chemotherapy, and cataract surgeries, is usually covered by your insurance provider's cashless treatment insurance plan.


• Pre- & Post-Hospitalisation: Consultations, tests, and medicines incurred before and after the hospital stays.


• Diagnostic and Treatment Costs: Medicines prescribed by doctors, blood, oxygen supply, and imaging tests generally come under cashless treatment advantages, as you do not need to worry about paying upfront during your critical times.


• Other Costs: Ambulance charges, organ donor expenses, and sometimes consumables like PPE kits or glove expenses are covered by your insurance provider through cashless treatment

What is generally not covered in Cashless Treatment?

The following medical expenses are usually not covered in a cashless medical insurance plan:

• Medical expenses incurred within the initial 30 days of your medical policy, excluding accidental injury.


• Self-harm or suicide attempt injuries are not covered.


• Cosmetic or plastic surgeries, as well as hormone replacement procedures.


• Coverage for pre-existing diseases is subject to a waiting period of up to 3 years.


• Expenses related to excessive alcohol or drug consumption


• Dental treatments other than non-accidental.


• Injuries due to adventure sports

Although cashless health insurance plans are effective and valid only across the network of hospitals that are affiliated with your insurance provider. Therefore, you need to carefully go through the list of network hospitals and get your treatment from amongst them.