Cashless Treatment: With health insurance, treatment can be done in any hospital, the hassle of hospital network ends
What is Cashless Everywhere: The policyholder will be free to get himself or his family treated in any hospital. Under this, the policyholder will be able to get cashless treatment even from hospitals outside the policy network.
The Kalamkar News, Health Insurance Rules Change: If you have taken health insurance of any company for your family or are planning to take it, then this news is useful for you.
Yes, the cycle of cashless treatment through network hospitals is over for any insurance holder. If you have health insurance, you will be able to get cashless treatment in any hospital.
The General Insurance Council, which re-presents non-life insurance companies, has started the 'Cashless Everywhere' campaign for this.
Free to get treatment in any hospital
Cashless Everywhere campaign, as the name suggests, now you will be able to get treatment anywhere, anytime. The objective of this campaign is to include the hospital network of every insurer into a single network.
Under this, the policyholder will be free to get himself or his family treated in any hospital. Under this, the policyholder will be able to get cashless treatment even from hospitals outside the policy network.
Network of over 40,000 hospitals The
insurance companies participating in this setup are committed to settle the claims of non-network hospitals by immediately making them a part of their network upon receiving information about any claim.
The advantage of this will be that policyholders will be able to choose from more than 40,000 hospitals instead of a few thousand depending on the network size of the insurer. Its purpose is to save customers from paying for non-network hospitals, reduce disputes and reduce cases of fraud.
When to give information related to treatment:
To use this service, the policyholder will have to give information 48 hours before any planned procedure (like surgery etc.). Apart from this, in case of emergency, it is necessary to inform the insurance company within 48 hours.
Along with this, all claims should be as per the terms and conditions of the policy. Insurer's guidelines should be followed for cashless benefits. Till now, customers were able to get cashless treatment only in those hospitals which were in the network of their insurance company.
For treatment in hospitals outside the network, customers had to pay from their own pockets. After this the policyholder makes a claim with the concerned insurance company along with hospital bill etc.
The money spent on treatment was returned to the policyholder by the insurance company within 45 to 60 days. Sometimes, if there was any issue in the claim, it would take more time.