Medical emergencies are unpredictable and paying huge bills for healthcare facilities is not anyone's aim in life. That's why, health insurance can be your ultimate finance-saving tool and help to reduce mental stress.
The recent General Insurance Council (GIC) update has made our life easier. It says that a policyholder can avail of the "Cashless Anywhere" benefit, which means that you can get cashless treatment at both networking and non-networking hospitals.
Cashless health insurance refers to the type of health insurance that allows policyholders to avail of medical benefits without paying any upfront payment. You can use this benefit if there is an emergency, and you need immediate medical care.
How does Cashless Health Insurance work? Click here to know.
Many health insurance plans offer cashless claim settlement benefits. We have listed the best plans out of these. Have a look below:
Plan Name | Sum Insured | Benefits Included | Approx. Starting Premium |
Reliance Health Infinity | Upto INR 6.5 Crores | Advanced technology medical procedures covered, unlimited e-consultation, and hospitalisation. | INR 931 per month |
Aditya Birla Activ Fit Plus | Upto INR 1 Crore | Modern treatment covered, covers mental care, HIV/AIDS and STDs covered | INR 626 per month |
Star Health Medi Classic Individual | Upto INR 15 Lakh | Covers psychiatric, psychosomatic disorder, non-allopathic treatment | INR 881 per month |
Niva Bupa ReAssure 2.0 | Upto INR 1 Crore | Unlimited e-consultation, AYUSH treatment, ambulance charges | INR 1001 per month |
Care Supreme | Upto INR 15 Lakh | Advanced technology method covered, wellness benefits, AYUSH treatment | INR 929 per month |
Unfortunately, cashless claims are rejected by insurance companies. It can be due to numerous reasons like not knowing the policy wordings well, and the treatment/disease being not covered, among others. Let's learn how to avoid these unfortunate situations mindfully.
Follow these simple steps mentioned above to avoid rejection in cashless claim settlement.
We have already created the table above that mentions 5 plans that are best if you are opting for cashless claim settlement. Here we have mentioned why we think these plans are the best.
Reliance Health Infinity is a plan by Reliance Health Insurance that gives everything Zyada. It comes with three variants each having its exclusive benefits, such as More Cover will give you a sum insured up to INR 6.5 Crores, More Time will give you coverage for 26 months, and More Global will no more bound you by international boundaries.
More Benefits Offered:
Aditya Birla Activ Fit Plus is a plan designed to provide comprehensive medical coverage to young ones. This plan is best because it provides quality medical coverage but also it encourages and rewards you for staying fit. With this plan, you will get exclusive good health discounts, health returns, daily cash and whatnot. This plan could be your daily energy motivation.
More Benefits Offered:
"Your Health is our Mission", is the opening statement of Star Medi Classic Individual Plan. This plan can be your accidental cover along with being your general health insurance policy. Also, it gives coverage for psychiatric and psychosomatic disorders. If you are a young couple and planning to have a baby, this plan is for you. It will cover your newborn baby too.
More Benefits Offered:
Niva Bupa ReAssure 2.0, is one of the best comprehensive plans as chosen by the customers. Comes in 5 variants that are- Platinum+, Titanium+, Bronze+, Gold, and Bronze, having different and exclusive features each. If you are a family of 6 members, then this plan is perfect for you. It will give extensive coverage to all your members at a lesser premium.
More Benefits Offered:
The plan says "Redefining the value you get from your health insurance." The best part about care supreme plan is that you get a wide range of coverage at a minimal cost. Also, it is very flexible, you can tailor your choice of coverage and get premiums accordingly. In the case of pre-existing diseases, you can reduce the waiting period for your benefit.
More Benefits Offered
These plans offer a range of benefits and fulfil diverse needs for all of us. But the "best plan for you" depends on your specific requirements, budget, and health profile. Before choosing any health plan, compare the coverage details, exclusions, network hospital, and renewal clause of the company.
Talk to the expert if required and call us at 1800-4200-269.
Cashless health insurance allows you to receive medical treatment at any network or non-network hospital without paying bills upfront. The insurer will settle the bill directly with the hospital after verification.
With cashless health insurance, your financial burden will be reduced, the claim process will be fast, and you can focus on the treatment.
If your cashless claim gets rejected, you need to understand the reason and review your policy documents and claim details for any discrepancies. Also, you can file the appeal with the insurer as per the grievance redressal process. Or you can connect with us at PolicyX.com for a worry-free solution.
You need ID proof, insurance papers, and doctor& 039;s bills to file a cashless claim settlement.
Know More About Health Insurance Companies
4.4
Rated by 2627 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
Do you have any thoughts you’d like to share?