5 Best Cashless Health Insurance Plans

Health insurance plans come packed with a set of features and benefits that help the policyholders in overcoming the difficult times in case of a medical emergency. Health insurance plans offer cashless claim benefits to the policyholders under which they can avail themselves the cashless treatments at the network hospital of their health insurance provider. This claim settlement process helps the policyholders in making claims smoothly without spending a penny from their pockets. Under this process, the insurer directly clears the hospital medical dues without involving the policyholder. Cashless claims take less time when compared to the reimbursement claim settlement procedures. The cashless claims can be made at only the network hospital of the health insurance provider, and therefore it is important for the policyholders to keep a track of their nearby network hospital that they can approach in case of a medical emergency. 

5 Best Cashless Health Insurance Plans

Following are some of the best health insurance plans that offer cashless treatment benefits to the policyholders: 

1. Bajaj Allianz Health Guard Family Floater Plan 

With a claim amount ranging from Rs. 1.5 Lakh to Rs. 50 Lakhs, this health insurance plan offers cashless claim benefits to its policyholders. This plan has a zone-wise premium payment distribution and it offers perks like pre and post-hospitalization costs, room rents, ambulance charges, daycare treatments, lifetime renewability of services, and a lot more. 

2. Care Health Insurance Care Policy 

This health insurance plan has a minimum entry age of 91 days and the cares health insurance company has a wide network of linked hospitals to offer its policyholders cashless claim benefits. Some of the other perks offered by the insurer under this plan along with cashless claims are no claim bonuses, annual health checkups, unlimited automatic recharge, the global cover of critical diseases, etc. The insurer also offers a wide range of additional covers that can be brought to enhance the coverage of the existing health insurance plan. 

3. ICICI Lombard Health Care Plus 

This company is known to offer cashless claim benefits in 4 hours to its policyholders in case of a medical emergency. This plan can cover around two adults with the entry age ranging from 5 to 65 years. Flexible deductibles, high amount of sum assured, no co-payments, free healthcare checkups, etc. are some of the additional perks offered by the ICICI health insurance company to their policyholders under this health insurance plan. 

4. Max Bupa Health Companion Plan 

Max Bupa health insurance has a wide network of linked hospitals where the policyholders can avail cashless claim benefits on their  purchased health insurance plan. This affordable health insurance plan also offers renewal benefits, refill perks, room rents, ambulance costs, vaccination for animal bites, domiciliary expenses, and much more. The insurer offers a range of claim amount options to the policyholders to choose from according to their financial requirements. The company provides the people with discounts, rewards, and other accumulated benefits on their health insurance plan. 

5. HDFC Ergo Optima Restore Health Insurance Plan

This health insurance provider offers a range of health insurance plans for both individuals and their families. It has a wide range of network hospitals to offer cashless claim settling benefits, as it makes the whole process convenient, smooth, and hassle-free for the policyholders. Cashless benefits are offered for the hospitalization expenses, ambulance charges, etc. Some of the other perks offered by the insurer include stay active benefits, pre and post hospitalization coverage, organ donor expenses, room rents, AYUSH treatments, and much more. For the convenience of the policyholders, the health insurance provider also offers multiplier benefits along with the accumulated benefits. 

Conclusion 

You can explore a wide range of cashless benefit health insurance plans over the internet. You can analyze your requirements and then choose a suitable health insurance plan. You must get admitted in one of the network hospitals of the health insurance provider to avail the cashless claim benefits of the health insurance policy. 

Also Read: Things You Didn’t Know Health Insurance Covers

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.