{"id":248,"date":"2022-02-25T06:54:14","date_gmt":"2022-02-25T06:54:14","guid":{"rendered":"https:\/\/elephant.in\/knowledge-center\/?p=248"},"modified":"2024-01-30T12:40:47","modified_gmt":"2024-01-30T12:40:47","slug":"cashless-health-insurance-guide","status":"publish","type":"post","link":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/","title":{"rendered":"Things to know about cashless health insurance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">At times of medical emergency, it is hard to take the financial stress. Medical expenses are costly and not everyone has immediate access to cash. The charges fall high on us and may shatter our financial stability. Going through lots of emotional suffering can create a dig in lifetime savings. But, in this time of need, Health insurance companies are always there to uphold and it&#8217;s good to always invest a part of our income in a good health insurance company<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Affording good treatment in a private hospital is quite expensive and to even arranging money for the need is difficult. In present days, <\/span><a href=\"https:\/\/elephant.in\/health-insurance\" target=\"_blank\" rel=\"noopener\"><b>cashless health insurance<\/b><\/a><span style=\"font-weight: 400;\"> plays a crucial role. Most of the companies like Bajaj Allianz, Bharat Axa, HDFC Ergo, ICICI Lombard, and almost 90% of the insurance companies are now cashless. Therefore, you need not run to arrange money, no run to borrow, and no need to sell properties for hard cash to settle the amount.<\/span><\/p>\n<p><b>How does cashless health insurance work?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mostly the Health insurance claim settlement is done by reimbursement or cashless Health insurance. In reimbursement mode, the cost of treatment needs to be settled. And later all hospital bills lab reports discharge summary and open prescription, and a form by the company to be filled and submitted along with policy copy and bank details, and identity card. This is indeed stressful and havoc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a cashless health insurance system, the cost of treatment is in the company&#8217;s hands, and no money needs to be spent from the pocket of the insurance member. Insurance companies are in tie-up with many health organizations and they come under the insurance company&#8217;s network. Also, a Mediclaim Department in the hospital takes care of this documentation.<\/span><\/p>\n<p><b>How to get a Cashless health insurance claim approved?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization is either planned or could be out of emergency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In a planned treatment, like maternity, knee replacement, eye surgeries, etc all the formalities and necessary paperwork should be done well in advance by the insurer or the third party agent(TPA) before admittance to the hospital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In emergency treatment for accidents, claim intimation needs to be sent to the insurance company by the policyholder giving a few basic details about the policy and the treatment at the hospital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Then the company verifies with the hospital and the insurance company settles all the money.<\/span><\/li>\n<\/ul>\n<p><b>Key features of this Cashless <\/b><b>health insurance<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The cashless system varies from previous reimbursement policies and comes up with lots of benefits to the policyholder\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no need to pay any treatment expenses at the network hospital<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The insurance covers all Pre and post-hospitalization charges.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cover-ups also include domiciliary hospitalization cost, ambulance fare, Room rent, and all.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This includes expenses related to in-patient hospitalization for more than 24 hours also.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are often challenges in this system. Hospitals can be removed or added to the Insurance company&#8217;s network anytime. Hence, you need to check for the status or it will have to go with reimbursement mode. Make sure to select the right insurance company for your financial well-being.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>At times of medical emergency, it is hard to take the financial stress. Medical expenses are costly and not everyone has immediate access to cash. &hellip; <\/p>\n","protected":false},"author":2,"featured_media":474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81],"tags":[],"class_list":["post-248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Cashless Health Insurance? A Comprehensive Guide<\/title>\n<meta name=\"description\" content=\"Get insights into cashless health insurance claims and how they can simplify your medical expenses.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Cashless Health Insurance? A Comprehensive Guide\" \/>\n<meta property=\"og:description\" content=\"Get insights into cashless health insurance claims and how they can simplify your medical expenses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"blogs\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-25T06:54:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-30T12:40:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png\" \/>\n\t<meta property=\"og:image:width\" content=\"675\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ami Pandya\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ami Pandya\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/\",\"url\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/\",\"name\":\"What Is Cashless Health Insurance? A Comprehensive Guide\",\"isPartOf\":{\"@id\":\"https:\/\/elephant.in\/knowledge-center\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png\",\"datePublished\":\"2022-02-25T06:54:14+00:00\",\"dateModified\":\"2024-01-30T12:40:47+00:00\",\"author\":{\"@id\":\"https:\/\/elephant.in\/knowledge-center\/#\/schema\/person\/49f02897e66d4a57524a69109b758385\"},\"description\":\"Get insights into cashless health insurance claims and how they can simplify your medical expenses.\",\"breadcrumb\":{\"@id\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#primaryimage\",\"url\":\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png\",\"contentUrl\":\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png\",\"width\":675,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Health Insurance\",\"item\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/category\/health-insurance\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Things to know about cashless health insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/elephant.in\/knowledge-center\/#website\",\"url\":\"https:\/\/elephant.in\/knowledge-center\/\",\"name\":\"blogs\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/elephant.in\/knowledge-center\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/elephant.in\/knowledge-center\/#\/schema\/person\/49f02897e66d4a57524a69109b758385\",\"name\":\"Ami Pandya\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/elephant.in\/knowledge-center\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/45b53255c9af8b6fe841e0c686ae1403?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/45b53255c9af8b6fe841e0c686ae1403?s=96&d=mm&r=g\",\"caption\":\"Ami Pandya\"},\"url\":\"https:\/\/elephant.in\/knowledge-center\/blogs\/author\/amip\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is Cashless Health Insurance? A Comprehensive Guide","description":"Get insights into cashless health insurance claims and how they can simplify your medical expenses.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/","og_locale":"en_US","og_type":"article","og_title":"What Is Cashless Health Insurance? A Comprehensive Guide","og_description":"Get insights into cashless health insurance claims and how they can simplify your medical expenses.","og_url":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/","og_site_name":"blogs","article_published_time":"2022-02-25T06:54:14+00:00","article_modified_time":"2024-01-30T12:40:47+00:00","og_image":[{"width":675,"height":400,"url":"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png","type":"image\/png"}],"author":"Ami Pandya","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Ami Pandya","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/","url":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/","name":"What Is Cashless Health Insurance? A Comprehensive Guide","isPartOf":{"@id":"https:\/\/elephant.in\/knowledge-center\/#website"},"primaryImageOfPage":{"@id":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#primaryimage"},"image":{"@id":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#primaryimage"},"thumbnailUrl":"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png","datePublished":"2022-02-25T06:54:14+00:00","dateModified":"2024-01-30T12:40:47+00:00","author":{"@id":"https:\/\/elephant.in\/knowledge-center\/#\/schema\/person\/49f02897e66d4a57524a69109b758385"},"description":"Get insights into cashless health insurance claims and how they can simplify your medical expenses.","breadcrumb":{"@id":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#primaryimage","url":"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png","contentUrl":"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2022\/02\/Blog-Ft-Image-25.png","width":675,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/elephant.in\/knowledge-center\/blogs\/health-insurance\/cashless-health-insurance-guide\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Health Insurance","item":"https:\/\/elephant.in\/knowledge-center\/blogs\/category\/health-insurance\/"},{"@type":"ListItem","position":2,"name":"Things to know about cashless health insurance"}]},{"@type":"WebSite","@id":"https:\/\/elephant.in\/knowledge-center\/#website","url":"https:\/\/elephant.in\/knowledge-center\/","name":"blogs","description":"Just another WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/elephant.in\/knowledge-center\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/elephant.in\/knowledge-center\/#\/schema\/person\/49f02897e66d4a57524a69109b758385","name":"Ami Pandya","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/elephant.in\/knowledge-center\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/45b53255c9af8b6fe841e0c686ae1403?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/45b53255c9af8b6fe841e0c686ae1403?s=96&d=mm&r=g","caption":"Ami Pandya"},"url":"https:\/\/elephant.in\/knowledge-center\/blogs\/author\/amip\/"}]}},"_links":{"self":[{"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/posts\/248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/comments?post=248"}],"version-history":[{"count":5,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/posts\/248\/revisions"}],"predecessor-version":[{"id":1473,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/posts\/248\/revisions\/1473"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/media\/474"}],"wp:attachment":[{"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/media?parent=248"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/categories?post=248"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elephant.in\/knowledge-center\/wp-json\/wp\/v2\/tags?post=248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}