What Is Cashless Hospitalization?

Cashless hospitalization is the process in which in the insured would get admitted in the hospital for treatment and the costs would be borne by the insurance company. The hospitalization cost would be paid to the hospital by the insurance company directly without the intervention of the customer. For this the insurance companies discuss packages with the hospitals and fix a price for a particular type of treatment. Cashless hospitalization is the best mode of claim settlement in a health insurance policy as the rising hospitalization costs are posing a serious threat to the people and causing a huge dent in their savings during hospitalization.

Is payment available for expenses incurred after hospitalization?

Expenses incurred before the hospitalization are known as Pre hospitalization expenses while those incurred after hospitalization are known as Post hospitalization expenses.

Is payment available for expenses incurred before hospitalization?

Yes, the expenses incurred before hospitalization are covered in your health insurance policy.

What is in Patient Hospitalization?

If an insured customer is getting admitted to a hospital for treatment of any illness or disease and the admission is for more than 24 hours, then it is known as in patient hospitalization. For the claim to be admissible under in patient hospitalization section, the insured has to be admitted in the hospital for more than 24 hours. Majority of claims under health insurance are in patient hospitalization claims where the insured gets admitted for more than 24 hours.

What are Pre and Post Hospitalization Expenses?

Every health insurance policy covers the pre and post hospitalization for at least 30 & 60 days. Pre and post hospitalization expenses are paid only if there is hospitalization involved due to an illness or disease which is covered under your health insurance policy.

Is Hospitalization always Necessary to Get a Claim?

Health insurance is mainly taken in case of hospitalization due to an illness or accident. There is a provision in health insurance policy to get the claim without hospitalization; this provision is known as the domiciliary treatment where the insured customer can get treated for his/her illness or disease from one’s home. In health insurance there is provision for OPD also known as Out Patient expense which doesn’t require hospitalization. Hence, hospitalization is not necessary to get a claim in health insurance.

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