Health Insurance (2)
Most health insurance companies provide the feature of ‘cashless facility’ with a select network of hospitals. This means that you can walk into any of the networked hospitals across the country and get treated (for diseases which fall under purview of cover) without having to pay for your bills first and then claiming it from insurance companies. The expenses are settled directly between the insurer and the hospital.
If you do not get admitted to a networked hospital due to some reasons, you will need to settle the hospitalization expenses and claim these from the insurance company subsequently.
A health card or a cashless card is issued by most health insurance companies and carries the details of your insurance policy. It is similar to an Identity card that can be used to avail cashless hospitalisation facility at the network hospitals of your insurer. The card will provide contact details of your insurer and Third Party Administrator (TPA) for you to contact in the event a claim is required to be made.