How Does a Care Health Insurance Cashless Network Hospital Work

Care Health Insurance has become synonymous with convenient and simplified healthcare assistance, all thanks to its vast cashless network of hospitals. Being one of the top-ranked health insurance companies, Care Health Insurance has collaborated with a large cashless hospital network nationwide. This allows the policyholders to seek cashless hospitalisation, making the entire claim settlement procedure easy and quick. 

Keep reading to understand how the comprehensive Care Insurance cashless hospital list lets you make the most of your health insurance policy. Also, learn more about cashless network hospitals and what you must remember when making a claim. 

What is a Cashless Network Hospital? 

Cashless network hospitals, as the name suggests, will provide cashless treatment. Simply put, your insurer pays the medical bills at a partner network hospital. This advantage lets you focus on getting the treatment instead of arranging money. 

Depending on your coverage, your insurance company will pay the medical bills on your behalf. You would only have to pay for what is not covered under your policy. 

When purchasing a health insurance plan, your insurance provider gives you a list of cashless network hospitals. This cashless network hospitals list contains the names and addresses of all the hospitals/ healthcare centres under the company’s network. 

Benefits of Cashless Hospitalisation

In a medical emergency, your priority is your loved one’s well-being. You won’t want to get into any trouble with hospitalisation, funds or any other hassle. Here, cashless hospitalisation plays an incredible role in saving you from numerous worries. Some expected benefits of cashless hospitalisation that you can get at cashless network hospitals are given below:

Easy Claim Process

The claim process in a cashless hospitalisation is very easy. All you have to do is reach out to the network hospital's third-party administrator (TPA) desk and share your policy details with them. Further, the hospital connects with your insurer and saves your time and efforts.

Access to Quality Treatment

Insurance companies tie up with the leading hospitals to offer advanced treatments to their customers. Thus, you can simply choose from the best hospitals and get the treatment without the stress of bills. Simply put, with cashless hospitalisation, you can access quality treatment without the stress of arranging funds.

Minimal Chances of Claim Rejection

If you get treatment in a non-network hospital, the onus of completing the paperwork lies on you as the policyholder. Some delays or discrepancies can occur depending on how efficiently you follow the claim procedure. 

In contrast to the reimbursement procedure, cashless hospitalisation is more reliable. The chances of claim rejection are rare as everything is done through direct claim settlement or via TPA. You can always check the Care Health app for the updated list of  Care mediclaim cashless hospital list and make sure it includes the hospitals that are in your vicinity. 

Why Choose a Health Insurer with a Larger Number of Network Hospitals?

When choosing a health insurance provider, you must carefully go through the cashless network hospitals list . You should choose a health insurer with a large network of hospitals for the following reasons:

• The chance of getting a network hospital in your locality is higher if your health insurer has many network hospitals.
• You will get the opportunity to choose the best network hospital for the treatment.
• During your treatment and recovery, it will be convenient for the family to commute if you are in a cashless hospital network nearby. 

Cashless Hospitalisation at Care Health Insurance 

Did you know? Care Health Insurance has a vast network of 24800+ healthcare providers including 11400+ hospitals across the country, where one can avail of a cashless facility. Let’s understand how cashless hospitalisation works with the help of an example. 

Let's say you're covered under a health insurance policy that offers cashless hospitalisation. You get hospitalised at any preferred hospital/ healthcare centre from the list of cashless hospitals for a covered medical procedure. During admission, you need to inform the representative at the insurance desk about your policy details, so that they can coordinate with your insurance provider for cashless settlement.

Typically, the policyholder is expected to inform the insurance company at least 3 to 4 days prior in case of a planned hospitalisation. You should inform the insurer within 24 hours incase of an emergency  hospitalisation. Upon approval from the insurer, the hospital provides you with the necessary medical care without you having to pay upfront. 

At the time of discharge, the hospital sends the final bill to the insurance company. Usually, an  executive at the hospital insurance help desk helps you with the paperwork. The medical expenses are settled directly with the hospital based on the terms and coverage outlined in your policy. 

However, you need to remember that cashless hospitalisation is subject to the terms and conditions of your health insurance company. Ensure you review the policy documents to understand the specifics of your coverage for cashless hospitalisation. 

What is the Claim Process for Cashless Hospitalisation at Care Health Insurance?

At Care Health Insurance, cashless claim settlement is not your worry. You only need to inform us, and we will contact the network hospital where you or another insured member is getting treatment. All medical expenses that are covered under your purchased policy will be settled by us.

You will get the coverage depending on the sum insured as per your policy document. The company directly pays the claim to the network hospital. You can claim a cashless hospital by following the following steps:

• Step 1: Go to the Care Health Insurance Hospital Locator.
• Step 2: Select state in the drop-down menu.
• Step 3: Then select the city in the drop-down menu.
• Step 5: Enter the name of the hospital.
• Step 4: Hit the search icon to search for the hospital's address and other contact details from the Care Insurance cashless hospital list. 

Final Word

In a nutshell, Care health Insurance will provide you with cashless facilities for in-hospital expenses, surgery, diagnostic tests, and ambulance facilities. Here’s hoping that you will not face any hurdles in getting cashless treatment from our preferred network hospital.

>> Also Read: Cashless Treatment in Network Hospitals

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.