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Cashless claims for health insurance plans
Aug 3, 2018

How to Make Cashless Health Insurance Claims?

Cashless claim facility is a service that you can avail at network hospitals, which have a tie-up with your insurance company. The cashless health insurance facility allows you to avail the best medical services without having to dispense cash out of your pocket. Cashless Claim Process:
  1. Approach the network hospital with your policy details.
  2. The hospital will verify the details provided by you and send a pre-authorization form to your insurance company.
  3. The insurance company will verify the pre-authorization request and convey the policy coverage and other details to the hospital.
  4. Now, the insurance company may approve or reject the pre-authorization request. It may also send a query letter to the hospital, requesting for more details.
  5. If the pre-authorization is rejected, then you will have to bear the expenses of the treatment, which you might be able to get reimbursed later. Know all about the documents required for mediclaim reimbursement.
  6. In case your insurer sends a query letter to the hospital, they will have to send the additional information as requested by the insurance company.
  7. If the pre-authorization gets approved, then the treatment starts. And after you get discharged from the hospital, the final bill and discharge papers are sent to the insurance company. They will settle the final amount after deducting the copayment (if applicable) and the consumable expenses.
Note: Pre-authorization does not guarantee that all costs and expenses will be covered. Your insurance company reviews the claim thoroughly and accordingly the medical insurance coverage is determined, based on the terms and conditions of your policy. You can search for our network hospitals just by selecting the state and city, where you want to get the treatment. You are already in a stressful situation when you are undergoing a medical treatment. Health care bill payments will just add to your worries in this situation. The best option in such scenarios is to let your insurers take care of your expenses while you get the medical attention you need at the best hospitals of your city. Choose the best health insurance with suitable top-up cover and insure yourself and your family.

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  • […] read our article –“How do I Avail Cashless Facility for My Health Insurance Policy?” to know about cashless claim facility for your health insurance […]

  • Ajit Ingale - August 24, 2018 at 9:02 pm

    Please let me know the ailments covered under health and wellness card.
    Ajit Ingale

    • Bajaj Allianz - August 25, 2018 at 11:00 am

      Hello Ajit,

      Thanks for writing to us.
      Our team will contact you soon on your mail ID. Requesting you to please check the same.

  • Manas Pathak - July 8, 2013 at 8:27 pm

    Can I avail cash less facility In USA with my Student Travel Insurance?

    • CFU - July 11, 2013 at 5:34 pm

      Dear sir,

      We have send the mail on your email id kindly check the same.

      Thanks and Warm Regards,

      Nilesh.M.

      Customer Focus Unit,

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