- What Is Cashless Health Insurance?
- Cashless Health Insurance Plans
- How to Avoid Claim Rejection
Top 5 Cashless Health Insurance Policy in India 2024
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.
What is Cashless Health Insurance?
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.
Top Cashless Health Insurance Plans
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 |
How to Avoid Rejection of Cashless Claim?
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.
- Communicate with the hospital regarding your cashless claim settlement plan, beforehand.
- Keep the documents handy for the insurer and even for the hospital requirements.
- Be updated about your policy’s information, especially your policy’s terms & conditions.
- If you are going for any planned medical procedure, then you must inform your insurer.
Follow these simple steps mentioned above to avoid rejection in cashless claim settlement.
Getting to know the Top 5 Cashless Health Insurance Plans
We have already created the table above that mentions 5 plans from the best health insurance company in India 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
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:
- Pre-hospitalisation and post hospitalisation
- Domiciliary hospitalisation
- AYUSH coverage
- Ambulance charges
Aditya Birla Activ Fit Plus
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:
- Modern treatment
- Pre and post-hospitalisation
- Room rent covers any room
- Domiciliary hospitalisation
- Day care treatment
Star Medi Classic Individual
"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:
- ICU charges
- Room rent coverage
- Pre hospitalisation
- Post hospitalisation
- Cataract cover
Niva Bupa ReAssure 2.0
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:
- All non-payables covered
- Health checkups
- Hospital cash benefit
- Organ donor expenses
- Ambulance charges
Care Supreme
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
- Maternity cover
- Organ donor expenses
- Modern treatment
- Air ambulance and road ambulance
- E-consultation
Bottom Line
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.
Health Insurer Network Hospitals
Top 5 Cashless Health Insurance: FAQs
1. What is cashless health insurance and how does it work?
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.
2. How cashless health insurance is beneficial?
With cashless health insurance, your financial burden will be reduced, the claim process will be fast, and you can focus on the treatment.
3. What to do if my cashless claim gets rejected?
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.
4. What documents do I need to carry for cashless claim settlement?
You need ID proof, insurance papers, and doctor& 039;s bills to file a cashless claim settlement.
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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