Cashless Network Hospital

A Network Hospital is a hospital that enters into an agreement with a health insurance company to offer cashless medical treatment to the insured. When an insured gets admitted to a network hospital, the insurance company will directly settle the treatment bill.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Access to 20,000+ network hospitals
Choose plans from 24 health insurers
Over 1 crore happy customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Search for Your Nearest Network Hospital

      Popular Cities

      Claim Process of Health Insurance

      Health insurance claims can be filed by cashless or reimbursement process. Take a look at the steps below:

      Cashless Process

      Step 1: Find network hospital
      • Find a nearby network hospital of the insurance company
      • Get admitted to the hospital
      Step 2: Notify the Insurance Company
      • Inform the insurance company about the hospitalization
      • In case of planned hospitalization, inform before getting hospitalized.
      Step 3: Get Pre-authorization
      • Fill up the pre-authorization form and submit it at the hospital
      • The hospital will send the pre-authorization form to the insurance company for approval.
      • Once approved, receive the treatment.
      Step 4: Hospital Discharge
      • During discharge, sign all the medical documents and bills.
      • Pay for the services/items excluded in the policy
      Step 5: Claim settlement
      • The network hospital will send the treatment bill and other documents to the insurance company.
      • The health insurance company will pay the bill amount directly to the hospital.

      Re-imbursement Process:

      Step 1: Get Hospitalized
      Get admitted to a non-network hospital of the insurance provider
      Step 2: Intimate the Insurance Company
      • Inform the insurance company about the hospitalization
      • In case of planned hospitalization, notify the insurer before hospital admission.
      • Receive medical treatment
      Step 3: Hospital Discharge
      • At the time of discharge, pay the entire hospital bill in full.
      • Collect all the medical documents, bills and payment receipts
      Step 4: Submit Documents
      Send all the required documents to the insurance company
      Step 5: Settlement of Claim
      The insurance company will review the documents and pay the claim amount.

      Network Hospital FAQs

      • Q1. What is the difference between a network and a non-network hospital?

        Ans: A hospital is considered as a network hospital if it has a tie-up with an insurance company to provide cashless hospitalization facilities to its customers. On the other hand, a non-network hospital does not provide cashless treatment and thus, the customers need to pay the full hospital bill at the time of discharge. However, medical expenses incurred at a non-network hospital can be reimbursed by the insurance provider if a reimbursement claim is raised.

      • Q2. Why do health insurance companies have network hospitals?

        Ans: Health insurance providers in India have a wide network of empanelled hospitals to offer cashless hospitalization services to their customers. It not only eases the process of receiving treatment at a hospital for the insured but also increases customer loyalty.

      • Q3. What is cashless healthcare?

        Ans: Cashless healthcare refers to the medical treatment and hospitalization facilities offered by a network hospital. When you get admitted to a network hospital of your health insurance provider, you are not required to pay for the treatment availed during discharge. After you have been discharged, your insurance company will pay the hospital bill amount directly to the network hospital on your behalf.

      • Q4. How do I get a cashless treatment?

        Ans: You can get cashless treatment by getting admitted to a network hospital of your health insurance provider. After getting hospitalized, you will be required to fill up a pre-authorization form. Once your insurance company authorizes your treatment, you can avail cashless treatment at that network hospital.

      • Q5. Which health insurance covers maximum network hospital?

        Ans: At present, Care Health Insurance Limited comes with more than 16,500 network hospitals across India, which is the maximum number of network hospitals offered by any health insurance provider in India.

      • Q6. What is a network hospital discount?

        Ans: Network hospitals do not offer any discount to the policyholders for availing medical treatment. Instead, they offer cashless treatment facilities to the customers of the affiliated insurance company. As a result, the insured does not have to pay anything at the time of discharge and the hospital bill is paid directly by their insurance company to the network hospital.

      • Q7. Do network hospitals reduce your treatment bill?

        Ans: No. Network hospitals do not reduce your treatment bill. They only allow you to get hospitalized and avail treatment on a cashless basis as the bill amount can be settled by your insurance company after your hospital discharge.

      Health insurance articles

      Recent Articles
      Popular Articles
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

      06 Sep 2022

      As we grow old, the chances of developing a disease or a medical...
      Read more
      Benefits of Multi-Year Health Insurance Plans

      25 Aug 2022

      Ever since COVID-19 entered our lives, health insurance has come...
      Read more
      Does Health Insurance Cover Monkeypox?

      25 Jul 2022

      Monkeypox is the latest disease to make its way to India while we...
      Read more
      List of Diseases Covered by Bajaj Allianz Health Insurance Plans

      05 Jul 2022

      Barely any person has remained unaffected due to rising health...
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
      Read more
      Best Health Insurance Plans in India 2022
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      Best Health Insurance Plans for Senior Citizens in 2022
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.