How Do You File A Cashless Claim?
Here’s a quick checklist of how the cashless claims process works -
Contact the hospital’s insurance desk and inform your insurance company about the hospitalisation, recommended treatment, estimated cost of treatment, etc.
You will also need to provide some documents to the hospital insurance desk, so they can submit them directly to the insurer. Required Documents include your health card, identity proofs, policy documents, etc.
The insurer will evaluate all the provided documents and provide a pre-authorization for the eligible amount that can be paid. A pre-authorisation is essentially an initial promise that the insurance company will pay your hospital bills.
Following this, you can undergo the necessary treatment or surgery.
Before discharge, the hospital insurance desk will send your final bill to the insurance company. They will then evaluate the same and provide a final authorization, after which the payment will be made directly to the hospital.
You will not be required to foot any approved expenses, they will be paid directly to the hospital by the insurance company. Any expenses not approved will be reflected on your bill and you will be liable for them.
This cashless claims process is extremely convenient, since you don’t have to run from pillar to post to get your reimbursement approved from the insurance company. Everything is handled by the hospital and insurance company.However, cashless claims may not work when it comes to emergency hospitalisations.