Network Hospitals in Your City

Health insurance companies have a tie up with leading hospitals across the country after checking their facilities, availability of doctors, quality of treatment offered, etc. These hospitals are known as ‘network hospitals of the particular insurer. These healthcare providers offer cashless treatment to policyholders. If you are admitted to any of the network hospitals, you do not need to worry about the treatment cost as your insurance company will directly bear the cost.

The insurance companies select the network hospitals based on thorough background checks, efficiency, and expertise of medical services offered. They renew their lists of network hospitals from time to time based on the quality of services they provide to the policyholders. This means that the tie-ups will not be renewed if the network hospital does not offer quality treatment.

 

How do network hospitals work?

 

The network hospitals selected by the health insurance companies offer cashless treatment to the policyholders. Cashless treatment can be availed for up to the sum insured limit and as per the terms and conditions of the policy. 

 

Let us understand the role of network hospitals in two conditions: 

 

  • Planned hospitalisation: In the case of planned hospitalisation in a network hospital, you will require to fill a pre-authorisation form and submit it at the insurance desk of the hospital. Wait for it to get approved or rejected. If it gets approved, then the Third Party Administrator or TPA (the service provider with which your insurer has partnered) or the in-house staffs of the insurer will sanction letter to the hospital and the hospital can start with the treatment. 

  •  

  • Emergency hospitalisation: In case of emergency hospitalisation, the same process of filling the pre-authorisation form and getting Third Party Administrator’s approval is carried out. The TPA has to accept or reject a claim within 6 hours.  In case you do not have time, you can pay in cash and seek reimbursement later from the insurance company.

 

It is the responsibility of the insurer’s representative or a Third Party Administrator to coordinate with the network hospital and settle all the claims, be it cashless or reimbursement. They communicate it with the patient, the hospital, and the insurance company to process the request. 

 

The non-network hospitals or the hospitals which are not listed as network hospitals by the insurance companies do not offer cashless treatment. To avail treatment in such hospitals, you need to pay first out of your own pocket and can request for reimbursement later. 

 

Advantage of network hospitals

 

At network hospitals, you don’t need to pay even a single penny out of your pocket to the hospital and yet you can get good quality treatment. It is less worrisome. 

 

Whereas in the case of non-network hospitals, you have to pay the entire amount out of your own pocket and make requests for reimbursement later. Your request only gets approved if the insurance company finds it reasonable. This means, there is a risk involved in that case.  While purchasing a health insurance plan, make sure you choose a policy with the most number of network hospitals near you. 

 

Let’s give us a call at our toll-free 1800-1205-698 to know the number of network hospitals of a particular insurance company or compare different policies and get the best quote. At InsuranceDekho, we can also provide you with assistance after the policy is purchased.

Insurance Dekho Contact Details

Reach us for help anytime

Health Companies User Reviews

  • Glad to have chosen Insurance Dekho

    I purchased Religare Health Insurance’s Care Freedom plan from Insurance Dekho for my grandparents. The plan offered many benefits and Insurance...

    Read More
    R
    Raj Bhargav
    On: May 30, 2020 | Views
  • I am a satisfied customer.

    I was looking for a comprehensive health insurance plan when InsuranceDekho’s team suggested Star Health Insurance’s Star Comprehensive Pl...

    Read More
    N
    Neha Jain
    On: May 30, 2020 | Views
  • Reliable insurance broker-Insurance Dekho

    Insurance Dekho is a trusted health insurance broker. I can say this because this is the second time I have availed of their services. This time I pur...

    Read More
    R
    Rohini Sharma
    On: May 30, 2020 | Views
  • I got the perfect plan

    Aditya Birla Health Insurance Cancer secure is a very famous product that I recently purchased from Insurance Dekho. The plan covers me for many healt...

    Read More
    S
    Shikhar Bhatnagar
    On: May 30, 2020 | Views
  • Supportive staff at Insurance Dekho

    With supportive staff of InsuranceDekho, buying HDFC Ergo General Insurance’s Health Suraksha policy online was a very easy job. I was able to b...

    Read More
    P
    Pooja Srivastav
    On: May 30, 2020 | Views
  • Smooth claim settlement process.!

    I recently made a claim under my ICICI Lombard Complete Health Insurance plan when I got hospitalised. I applied for a claim by taking help from Insur...

    Read More
    D
    Deepali Goel
    On: May 30, 2020 | Views
  • Easy to buy online

    With trusted health insurance brokers like Insurance Dekho in the market, buying Max Bupa Heartbeat plans online was very easy for me. I shared a few ...

    Read More
    A
    Ananya J. Malhotra
    On: May 30, 2020 | Views
  • Bought policy online during lockdown

    Amid the coronavirus crisis, I felt the importance of health insurance and purchased Arogya Sanjeevani Policy from HDFC Ergo Health online during lock...

    Read More
    T
    Tulika Pandey
    On: May 30, 2020 | Views
  • Will recommend to friends too

    National Insurance’s National Mediclaim policy is the best. It covers me and my family for all the basic healthcare expenses. I will suggest thi...

    Read More
    N
    Naina Harjai
    On: May 30, 2020 | Views
  • Pool of health insurance plans

    InsuranceDekho has a pool of health insurance plans of which I chose United India’s Individual Health Insurance Policy as I found it to be most ...

    Read More
    D
    Deepak Arora
    On: May 30, 2020 | Views
  • Many network hospitals

    Bajaj Allianz’s Health Guard Family Floater plan was the best choice for me considering the good number of network hospitals they have tie up wi...

    Read More
    S
    Sameer Gupta
    On: May 30, 2020 | Views
  • Good services at network hospitals

    Insurance Dekho suggested to me Reliance Health Insurance’s MORE Health Insurance plan that will cover my family for major healthcare expenses. ...

    Read More
    J
    Jayant Gupta
    On: May 30, 2020 | Views
  • I liked my plan

    Raheja QBE’s Cancer Insurance plan covers me for expenses related to Cancer up to the sum insured limit. I liked my plan and services of Insuran...

    Read More
    R
    Rahil Mirza
    On: May 30, 2020 | Views
  • Affordable premium.

    I bought a Healthline policy from Cholamandalam last week. I was happy to choose InsuranceDekho as the team helped me buy an affordable plan with many...

    Read More
    S
    Sanket Singh
    On: May 30, 2020 | Views
  • Can pay online too

    Individual health insurance policy by Universal Sompo is not only easy to buy online from Insurance Dekho, but also easy to understand too. I had a fe...

    Read More
    V
    Vishakha Sabharwal
    On: May 30, 2020 | Views
  • Good job team...

    Magma HDI offers the best plans and so I chose to buy OneHealth Insurance Policy at low premiums. The team at InsuranceDekho helped me understand the ...

    Read More
    V
    Vishal Kaushik
    On: May 30, 2020 | Views
  • Team helped me with the process

    InsuranceDekho helped me to make an online purchase for the first time. I bought Go Digit’s Arogya Sanjeevani Policy easily. It was a great help...

    Read More
    S
    Shobhit Bhattacharya
    On: May 30, 2020 | Views
  • Quick services

    Insurance Dekho’s services are not only quick, but also require lesser paperwork as compared to agents. I liked my Liberty General’s Liber...

    Read More
    P
    Prateek Suri
    On: May 30, 2020 | Views
  • Health is wealth.

    Best Service by ManipalCigna and InsuranceDekho. 

    B
    Bhushan Pahuja
    On: May 29, 2020 | Views
  • Best Health Plan

    I purchased Religare Care health insurance plan for my wife with the help of a knowledgeable team of insurancedekho. It's the best health plan for...

    Read More
    S
    Subham Sharma
    On: May 29, 2020 | Views