Cashless claims let the insurer settle your hospital bill directly. Here's exactly how the process works, planned or emergency.
A cashless claim means the insurer pays your hospital bill directly, so you don't have to arrange large sums during a stressful time. The process is simpler than most people expect — here's how it works.
Step 1: Use a network hospital
Cashless only works at hospitals in your insurer's network. Check the network list in advance, or ask us — we'll point you to the nearest one.
Step 2: Intimate the claim
For planned treatment, inform the insurer 2–3 days before admission. For emergencies, intimate within 24 hours of admission. A quick call or WhatsApp to us starts the process.
Step 3: Pre-authorisation
The hospital's insurance desk sends a pre-authorisation request to the insurer with your diagnosis and estimated cost. The insurer reviews and approves the cashless amount — often within a few hours.
Step 4: Treatment and discharge
Get treated while the insurer settles covered costs directly with the hospital. At discharge you only pay for items that aren't covered, like certain consumables or anything above your sum insured.
Keep your policy number and a photo ID handy at admission — it speeds up pre-authorisation significantly.
What if it's not a network hospital?
You can still claim via reimbursement: pay the bill, collect all documents (discharge summary, itemised bills, reports), and submit them to claim the amount back. We'll help you compile everything correctly so nothing gets rejected.