What is a cashless claim process?

Cashless claim is a process where you do not need to pay any amount if you have gone through the medical treatment in a network hospital of the insurance provider. However, your treatment would have to be pre-authorized by the insurance provider or by the Third Party Administrator (TPA). 

Here’s how the process works for cashless claims:
1. Download the cashless request form available with the network hospital and TPA, fill it and send it to either of them for authorization.
2. After verifying your cashless request form and the related medical information from you or the network hospital, the insurance provider or the TPA will issue a pre-authorization letter to the concerned network hospital.
Note: The insurance provider or the TPA will not issue the pre-authorization letter if you or the hospital are unable to provide relevant medical details. 
3. At the time of discharge, you or the insured person will have to verify and sign the discharge papers and pay for non-medical and inadmissible expenses.

Important: If you don’t receive approval for cashless claims, you can submit claim documents after the hospital discharge to the insurance provider or TPA for reimbursement.
 

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