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Enjoy cashless services at any hospital in India with a Reliance Health Insurance Plan.
Cashless health insurance allows you to get medical treatment at hospitals without having to pay upfront. Instead, the insurance company settles the bill directly with the hospital, making the process smooth and hassle-free for you.
Cashless health plans allow you to focus on your recovery without worrying about the financial burden of medical expenses.
Reliance General Insurance offers a variety of cashless medical insurance plans with a high claim settlement ratio and extensive customer support. Our cashless hospitalisation plans’ premiums start at affordable rates, with coverage options tailored to individual and family needs.
Cashless health insurance is a type of insurance where we (the insurer) directly pay the hospital for your medical expenses. This way, we eliminate the need for you (the insured) to pay out-of-pocket during a medical emergency or hospitalisation.
As per new IRDAI regulations, you can get this service at any authorised hospital in the country, including our network hospitals. You simply claim your cashless health insurance policy, submit the required documents and let us handle the expenses. Cashless hospitalisation offers peace of mind, especially during unexpected medical situations.
When you seek treatment in an authorised hospital, you simply need to present your health insurance card and complete a pre-authorisation form. We then coordinate with the hospital to handle the payment.
Cashless insurance simplifies the claim process by eliminating the need for reimbursement. It makes medical care accessible, reducing financial stress during critical situations, as you do not need to arrange funds immediately for treatment.
The “Cashless Everywhere” benefit is an initiative implemented by the Insurance Regulatory and Development Authority of India (IRDAI) and supported by the Indian government to ensure that health insurance policyholders can access cashless treatment anywhere in India.
This initiative mandates insurers to provide cashless claims at hospitals outside of their cashless network hospitals, streamlining healthcare access. This regulation is part of IRDAI’s efforts to enhance transparency, reduce delays and eliminate upfront payments for medical expenses.
Under this framework, insurance companies are required to expand their network of hospitals. This enables patients to get treatments seamlessly across cities and states.
Emergency care, hospitalisation and daycare procedures can all be accessed through this facility, making healthcare more inclusive and efficient.
Features of Cashless Health Insurance
Benefits
Direct & Easy Claims Hospital Billing
You simply need to present your health insurance card at any hospital of your choice. We directly settle the medical bills with the hospital.
Quick Claim Service Benefit
Some of our best cashless health insurance plans, such as the Reliance Health Gain Insurance, offer quick claim response within 6 business hours of claim intimation. If they do not get a response within 6 hours, we offer compensation.
Vast Network
Access over 10,000+ network hospitals across India and receive immediate cashless treatment during emergencies without upfront payment concerns.
Sum Insured Reinstatement
If the total sum insured is exhausted during treatment, it will automatically be reinstated for future claims. So, our cashless health insurance plans ensure continuous coverage.
Premium Discounts
Enjoy a 5% discount if you are a single woman, have a girl child, or already hold a Reliance cashless insurance policy.
Wide Coverage
Our cashless medical insurance plans extend coverage to immediate and extended family members, offering protection for all under one policy.
24/7 Customer Support
We offer round-the-clock support, ensuring smooth claim processing and immediate care, no matter when you need it.
*This is not an exhaustive list. The inclusions will differ depending on your choice of health insurance plan and add-on riders. You can find the coverage details on your policy wording document.
*Note that you will need to cover the deductibles or any uninsured treatment expenses. We offer cover only for insured treatment expenses.
*Find a detailed list of documents for various types of healthcare needs.
Parameters
Cashless Medical Insurance Claim
Reimbursement Claim
Hospital Billing
The insurer settles the medical expenses directly with the hospital, so the policyholder doesn’t pay upfront.
The policyholder pays the hospital bill and submits a reimbursement claim.
Payment Process
No upfront payment is required, as the insurer handles all costs with the hospital.
The policyholder bears the full cost initially and then claims reimbursement from us.
Claim Processing
Requires pre-authorisation, which we must approve before receiving treatment.
The policyholder must submit all hospital and treatment bills to us after discharge.
Settlement Speed
Cashless treatment insurance claims are faster since we manage the billing directly.
Can take longer as documents need to be verified
Convenience
More convenient
Less convenient since more documentation is involved
Documentation
Minimum documentation is needed at the time of discharge.
The policyholder must provide us with detailed bills, prescriptions and other documents.
A cashless facility in health insurance not only provides immediate financial relief during medical emergencies but also offers tax benefits under the Indian Income Tax Act. You can claim deductions on premiums paid for health insurance under Section 80D of the Income Tax Actunder the old tax regime.
These deductions help in reducing taxable income, making cashless facility health insurance a financially wise choice.
One of the common myths about cashless health insurance is the mandate of network hospitals. While getting treatment at a network hospital is not mandatory for cashless treatment, claims at a network hospital can be quicker. So, a higher number of network hospitals ensures easy access to cashless treatment.
Understand the steps involved in filing a claim for your cashless mediclaim policy. We have a straightforward process for emergencies and planned hospitalisations. However, be aware of the process for successful claims.
Review the coverage limits for room rent, ICU charges and other medical expenses, as they vary with types of plans. This will help you avoid unexpected out-of-pocket expenses.
Be aware of treatments and procedures not covered by the plan, such as cosmetic surgery or certain pre-existing conditions.
Learn the process for pre-authorisation in case of planned treatments to avoid delays. We require you to submit a claim request two days prior to your hospitalisation. Moreover, carry your ID proof and health card for a successful claim process.
Verify the deductibles or copayment clauses of your cashless medical insurance plans to ensure you know your financial responsibilities. This will also help you prepare for the mandatory expenses.
Cashless health insurance allows you to receive treatment without paying upfront. Instead, your insurance company directly settles the bill with the hospital. This facility is available at every authorised hospital in India since the introduction of the IRDAI’s Cashless Everywhere initiative in 2024.
The list of network hospitals is available on our website or by contacting our customer service at +91 22 48903009. We offer a network of 10,000+ hospitals across the country and ensure that you can access cashless services at a facility near you.
For a cashless claim, you will need to provide a pre-authorisation form (submitted by the hospital) and ID proof, along with your health insurance card and signed claim form. Supporting medical documents such as lab reports, prescriptions and doctor’s notes are typically required to verify the treatment and process the claim.
According to the IRDAI’s mandate, the insurer must settle/grant final authorisation of the claim within 3 hours of getting a discharge request from the hospital.
Pre-existing conditions may be covered after a waiting period, depending on the terms of your policy. All our plans impose a certain waiting period before you can claim your Reliance Health Insurance for treatment of pre-existing illnesses.
We advise you to review your specific health insurance policy documents to determine the waiting period for your plan. This can help you determine your eligibility for coverage for pre-existing conditions.
Yes, under the Insurance Regulatory and Development Authority of India (IRDAI) guidelines, you can port your health insurance policy to another insurer. The new insurer must provide coverage without a loss of benefits, such as the waiting period for pre-existing conditions, but certain conditions apply. We retain your accumulated bonuses and waiting periods and the same sum insured.
If your cashless claim is denied, you should immediately ask for the reason from the hospital or contact our claims team . You also still have the option to file a reimbursement claim.
Common reasons for rejection include exceeding coverage limits or the treatment not being covered by the policy.
You can appeal the denial by providing additional documents or filing a reimbursement claim after paying the hospital directly. If you feel like an unfair denial, you can file a complaint with the insurance ombudsman or call the toll-free number 155255 or 1800-4254-732.
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.Reliance Health Gain: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
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