Cashless health insurance plans will save you from paying directly to the hospital. Gone are the days of paying first and claiming for reimbursement later as there is many a cashless health insurance company in India now. You simply have to compare cashless health insurance policies and chose the best cashless health insurance in India. An online cashless health insurance policy is highly beneficial for those who have to run from pillar to post to arrange sufficient money for treatments on emergency basis. A Cashless mediclaim insurance policy in India intends to help these people focus on hospitalization of the patient only. A Cashless health insurance companies in India has contracts with their respective network hospitals to facilitate cashless treatments. Companies with the best cashless health insurance in India have the biggest network of hospitals. With the introduction of online cashless health insurance policy the hassle of arranging lump sum money for paying hospital bills and spending hours, days and weeks for reimbursement afterwards has well and truly diminished. In simple words, cashless health insurance policy has made transaction of crores of money possible without having to exchange hard cash!

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.