Cashless Hospital Network Explained
Get treated without paying upfront. Understand how cashless hospitalization works, find network hospitals, and learn the step-by-step process for hassle-free treatment.
What is Cashless Hospitalization?
Cashless hospitalization allows you to get treated at network hospitals without paying upfront. Your insurer directly settles the medical bills with the hospital. You only need to pay for items not covered by your policy (like consumables, documentation charges).
No Upfront Payment
Hospital bills settled directly
Quick Process
Approval in 30 mins - 4 hours
Hassle-free
No paperwork during emergency
Cashless Claim Process - Step by Step
Choose Network Hospital
Select a hospital from your insurer's network list. Verify cashless facility availability before admission.
Show Health Card & ID
Present your health insurance card along with photo ID (Aadhaar/PAN) at the hospital insurance desk.
Pre-Authorization Request
Hospital sends pre-authorization request to insurer/TPA with estimated treatment cost and medical details.
Approval from Insurer
Insurer reviews and approves the cashless request, usually within 2-4 hours for planned procedures.
Treatment & Discharge
Get treated without paying upfront. Hospital bills settled directly by insurer.
Pay Non-Covered Amount
Pay only for items not covered by insurance (consumables, documentation charges, etc.)
Emergency vs Planned Cashless Treatment
Important Things to Remember
Keep Helpline Numbers Handy
Save insurer's 24x7 helpline for emergencies
Check Network Hospitals
Know network hospitals near home and work
Carry Health Card Always
Digital or physical copy for emergencies
Inform Within Time Limits
24 hours for emergency, 3 days for planned
Frequently Asked Questions
Learn More About Health Insurance
Need to File a Claim?
Understand the complete claim process for both cashless and reimbursement claims.