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Enjoy Cashless Treatment With Health Insurance Plans

Published On Sep 08, 2022

The patient or their family members could not have the emergency cash necessary for the treatment and hospitalisation in the event of any medical crises, such as an accident. You can receive cashless hospitalisation at the insurer's network hospitals if you have a cashless health insurance coverage. This will spare you the trouble of making arrangements for payment for the treatment.

Enjoy Cashless Treatment With Health Insurance Plans

Benefits Of Cashless Treatment With Health Insurance Plans

Below we have enlisted some notable benefits which become available to you when you buy a health insurance plan offering the facility of cashless treatment - 

  • Corpus Available For Medical Emergencies

Whether they are anticipated or not, medical emergencies drain our finances if we don't make financial preparations in advance. Cashless claims are even more advantageous because they spare the patient's family the necessary time to make arrangements for medical bills. 

Instead, individuals only need to provide their cashless health insurance card to the appropriate medical staff to begin the necessary procedures.

  • Source Of Relief

A cashless health insurance policy gives you the peace of mind that, should the need arise, money won't be an issue for you. Through a hassle-free cashless claim, you can quickly start the necessary treatment and gain admission to hospitals. Without having to worry about money, you can only concentrate on getting well and getting better care.

  • Comprehensive Coverage

Cashless health insurance plans often offer wide-ranging coverages such pre- and post-hospitalisation costs, ambulance costs, inpatient care, home health care, etc. A few cashless health insurance policies also provide periodic physicals and diagnostic exams.

  • Protects Your Health While Travelling

Accessing the appropriate care in the event of a medical emergency can be difficult due to the unknowns of a new area. Being the owner of a cashless health insurance or cashless medical insurance guarantees you of dependable medical services at a network hospital, and that too without the stress of making arrangements for hospitalisation and medical costs.

  • Tax Benefits 

Under Section 80D of the Income Tax Act of 1961, premium payments made for cashless health insurance policies are eligible for tax breaks of up to Rs. 25,000 for people under the age of 60 and up to Rs. 50,000 for people over 60.

You can deal with medical emergencies more effectively by getting cashless health insurance. So always choose a health insurance plan that includes coverage for hospitalisation and cashless medical care. Some of the most fundamental types of insurance are listed below:

  • Individual Health Insurance

Policies for cashless individual health insurance allow policyholders to make cashless claims for hospital costs and other benefits in accordance with the terms and conditions of the insurance.

  • Family Health Insurance 

One can get all of their family members insured under one family health plan through a cashless family health insurance plan. The members of a household insured by such a cashless health insurance plan are referred to as the policyholder.

  • Health Insurance For Seniors Without Cash

This cashless insurance plan, as its name implies, provides benefits tailored exclusively for senior citizens. In accordance with the terms of the policy document, it also covers pre-existing conditions, hospitalisation fees, and ambulance costs.

What Is In-Hospital Cashless Payment?

If you experience a medical emergency or have an accident, you'll probably need to spend some time in the hospital. Hospitalisation as an inpatient is pricey. The ideal choice if you don't have access to emergency funds is cashless hospitalisation. In a cashless facility, the insurance pays the network hospital directly, as opposed to you having to pay the costs up front and then getting reimbursed. Buy a health plan that offers a cashless facility, then, at all times.


Cashless health insurance plans were created with the specific goal of offering the policyholder the much-needed financial respite during the critical hospitalisation period. The claims are settled without the insured being involved thanks to an agreement between insurance companies and the hospitals in their network. In accordance with this system, the Third Party Administrator (TPA) mediates the resolution of claims between the insurance provider and the hospitals. To support the speedy processing of such claim requests, these TPAs typically set up a desk at the network hospital.

Also read: Super Top-Up Health Plan: How It Can Protect Despite An Increase In Medical Inflation?

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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.

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