There are broadly two types of medical insurance cashless plans in India:

1. Cashless mediclaim insurance policy in India for family - There is a plenty of cashless mediclaim insurance policy in which one person is the owner of the health policy and has other people covered under the plan. You can compare cashless health insurance plans available and choose the best cashless health insurance in India to have your entire family covered.

2. Medical insurance cashless policy for Senior Citizen - A cashless health insurance policy is meant for senior citizens and these plans cover ambulance charges, hospitalization expenses and even pre-existing diseases as per the terms of the policy.

• You need to fill a pre-authorization form out once you reach the hospital in the network of your cashless mediclaim policy and submit the same to TPA desk in the hospital.
• You should always carry your health policy card.
• You have to inform your online cashless health insurance provider or TPA about the hospitalization within 24 hours.

• When you know about hospitalization in advance you can check the network hospital list provided by your cashless health insurance company in India and select the hospital of your choice in your locality.
• Once you reach hospital, you have to get a preauthorization form by showing your cashless health insurance policy. You can avail it either from the portal of your TPA or from insurance desk in hospital.
• You have to submit the form at the desk to be scrutinized for authenticity.
• TPA will receive the form through fax and either reject or approve it.
• TPA will sanction a fixed amount and send a letter of authorization if the form is approved.

• You need to show your card of medical insurance cashless policy in hospital.
• You have to fill in the pre-authorization form and submit to speed up the claim process.
• In case you cannot wait TPA to approve cashless facility you have to pay the bill and have it reimbursed later from your cashless health insurance company in India. Points to remember before buying online cashless health insurance plan
• Cashless facility is available at hospitals within the network only.
• Hospitals are responsible for the justification of the treatment.
• You should always keep a photocopy of all documents such as, claim form, lab reports, medical bills and discharge papers.
• You should always read terms of your online cashless health insurance policies carefully.
• Usually, a cashless health insurance company in India pays out the required amount for the treatment. But you need to pay out the additional amount if the treatment cost exceeds the sum assured of your online cashless health insurance plan.

GIBL can help you compare cashless health insurance plans easily and ensure that you get the best cashless health insurance in India for your family and yourself.