Your Questions Answered: Can I claim health insurance outside my hometown?

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Also Read: What is the best age to purchase a health insurance plan? Once the initial checks are done, you can simply avail the required medical services without having to pay anything upfront. The hospital bills will be settled directly between the hospital and your insurance company. This is quite useful during a medical emergency when it may not be possible to reach a network hospital.

To add to that, this facility offers cashless claims even for planned treatments, including surgeries. So if your preferred hospital is not a part of the chain of network hospitals, you need not worry and may continue seeking treatment there. This often happens when a patient wants a specific doctor who may work at a non-network hospital.

Or it is an ailment that needs a specific kind of care available at only select hospitals.

Also Read: Health Insurance Tax Benefits for Salaried Employees – What You Need to Know For planned treatments, you must inform the insurer 48 hours before the hospitalisation. For emergencies, intimation needs to happen within 24 hours of admission. There are certain conditions that the hospital, albeit non-network, must qualify for.

For instance, it must have at least 15 beds. This is to ensure the credibility and quality of service provided at the hospital and to avoid fraudulent claims. Also, it’s extremely important to be mindful of blacklisted hospitals.

If one ends up taking treatment at a hospital which has been blacklisted, Cashless Anywhere will not be applicable. Since this is a new initiative, it may take some time to get things smoothened out. But this is a step which would ensure that soon, all major hospitals and insurance providers would offer a cashless settlement of medical bills without any