A cashless health insurance policy settles your claim directly with the hospital, so that you don’t have to pay the bills from your pocket at the time of discharge. But this is a layered process and can take some time. Yet, insurers also boast of quick claims approval time. Both statements can be true. Read on to know how.
Approval
For a cashless settlement in health insurance, the process of making a claim starts with getting pre-authorisation from the insurer. This is merely an acknowledgment by the insurer that the claim is payable. It is not a guarantee that the claim will be cleared. You and the treating doctor need to fill the pre-authorisation form. You need to fill the personal and insurance policy details. Then the form is sent to your doctor for filling in details of the ailment and treatment. The form is then sent to the billing department to give an estimate and then it is sent to the insurer, with the necessary documents.
