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Without health insurance, getting sick or injured could mean going bankrupt, going without needed care, or even dying needlessly’- Jan Schakowsky
With the surging healthcare costs, most of us buy health insurance plans as a means to reduce our medical expenses. Health insurance is a boon for people looking for quality medical treatment, as it frees them from worrying about hefty medical bills. Though the sum of money you spent from your own pocket would be reimbursed, you might have to bear the initial amount.
We found a way for you to put this concern to rest, and that is Cashless Claims. But, what are cashless claims?
A cashless claim is an option that states you are not required to pay for the medical procedure or treatment that is covered by your health insurance policy. Your insurance provider will compensate your medical bills directly with the concerned hospital.
This facility makes medical treatments more accessible and affordable, as you do not have to worry about paying a hefty amount of money during hospitalization as well as during the treatment. However, you can avail this facility only at partner hospitals or network hospitals.
A network hospital is a hospital that ties up with your insurance provider and allows you to avail of cashless medical treatment based on deferred payment. Insurance companies, generally, have wide network of hospitals across the country. These network hospitals are also known as Cashless Network Hospitals.
Cashless network hospitals work similar to non-network hospitals or regular hospitals for the most part. You can visit a network hospital and get health care without having to pay to the hospital. This includes room rent (subject to a limit), admission charges, doctor or specialist fees, ambulance cost, and not to forget the treatment cost.
Your insurance provider would settle your medical bills against the Sum Assured, which you chose while purchasing your health insurance policy.
The insurer would bear all the aforementioned expenses, provided that the treatment was assured by your health plan.
You simply have to inform the hospital that your treatment cost would be covered under the cashless facility, and submit a valid identity proof, such as an identity card issued by the insurance provider or your policy documents.
When you get hospitalized for any treatment - be it emergency or routine check-up, it’s a stressful time for your family and you. Many hospitals insist on periodic clearance of the medical bills. In such a case, your family has to run around to pay exorbitant bills and make sure you receive quality healthcare at the same time.
With the cashless medical service, your insurance provider pays your bills after the completion of your treatment.
In case you are away from your residence and you need to get hospitalized, you can use any of your insurance provider’s network hospitals across the country to avail the treatment without making any payments or having to settle the incurred medical cost.
In order to file a claim, you need to follow the procedure mentioned below:
Cashless hospital claims cover the treatment that requires a hospital stay over 24 hours.
The list of the day-care facilities (requiring less than 24 hours stay) is as follows:
Cashless claims also cover surgical treatments and procedures in the digestive tract along with female and male reproductive organs.
While cashless hospitalization covers a number of treatments and medical procedures, there is a list of exclusions as well, under which your insurance provider does not pay for the treatment. Some of the exclusions are listed below:
|Network Hospital||Address||City||State||Pin Code||Map|
|Aditya Hospital||906/05, Jessore Road, Jessore Road||Kolkata||West Bengal||700055||Map|
|Amri Hospital||Dhakuria Bridge,gariahat Road||Kolkata||West Bengal||700029||Map|
|Amri Hospital||Jc - 16 And17, Salt Lake City||Kolkata||West Bengal||700098||Map|
|Anandalok Hospital||Dk - 7/3, Salt Lake City||Kolkata||West Bengal||700091||Map|
|Angel Maternity And Nursing Home||No.3,komedan Bagan ,garage On Ajc Bose Road||Kolkata||West Bengal||700016||Map|
|Apex Institute Of Medical Science||1219, Survey Park, Sammilani Park Santosh Pur||Kolkata||West Bengal||700075||Map|
|Arogya Maternity And Nursing Home||71, Tollyganj Circular Road||Kolkata||West Bengal||700053||Map|
|Aurobindo Netralaya||4a, Rajendra Deb Road||Kolkata||West Bengal||700007||Map|
|Amtala Nursing Home||D.h. Road,p.o-kanyanagar||Kolkata||West Bengal||Map|
|Bangur Medicare Research Institute||8a, Diamond Harbour Road ,thakurpukur||Kolkata||West Bengal||700063||Map|
|Beckbagan Nursing Home||1/1hiripukur 1st Lane||Kolkata||West Bengal||700019||Map|
|Behala Balananda Brahmachari Hospital And Research Centre||153 Diamond Harbour Road||Kolkata||West Bengal||700034||Map|
|Bellona Nursing Home And Diagnostic Centre||51a, Diamond Harbour Road||Kolkata||West Bengal||700027||Map|
|Bm Birla Heart Research Centre||1/1 ,national Library Avenue||Kolkata||West Bengal||700027||Map|
|Bp Poddar Hospital And Medical Research||71/1, Humayun Kabir Sarani Block-g New Alipore||Kolkata||West Bengal||700053||Map|
|Care And Cure Nursing Home||S.n.rd, Nabapally, Barasat||Kolkata||West Bengal||700126||Map|
|Charring Cross Nursing Home||2c, Motilal Basak Ln, Phoolbagan, Kankurgach||Kolkata||West Bengal||700054||Map|
|Capitol Nursing Home||288/2 ,apc Road||Kolkata||West Bengal||700009||Map|
|Dafodil Nursing Home Pvt Ltd||276, Canal Street||Kolkata||West Bengal||700048||Map|
|Desun Hospital And Heart Institute||720, Anandapur||Kolkata||West Bengal||700107||Map|
|Dilkusha Nursing Home||94a , Dilkusha Street||Kolkata||West Bengal||700017||Map|
|Divine Nursing Home Pvt Ltd||11a Abinash Chandra Banerjee Lane||Kolkata||West Bengal||700010||Map|
|Dm Hospitals Pvt Ltd||113, James Long Sarani||Kolkata||West Bengal||700063||Map|
|Dr Das Nursing Home Diagnostics Andresearch Institute||New Town, Diamond Harbour||Kolkata||West Bengal||700001||Map|
|Dr Nihar Munshi Eye Foundation||1/3, Dover Place||Kolkata||West Bengal||700019||Map|
|Dr. B. N. Basu Mahakuma Hospital||Barrackpore, North 24 Parganas||Kolkata||West Bengal||700114||Map|
|Dreamland Nursing Home||2, Nayratna Lane||Kolkata||West Bengal||700004||Map|
|Dum Dum Eye Microsurgery Centre||5/1/1c, Kalicharan Seth Lane||Kolkata||West Bengal||700030||Map|
|Dr. B N Basu Memorial Clinic Apollo Nursing Home||34/ B, Jatin Das Road||Kolkata||West Bengal||700029||Map|
|Eco Hospital And Diagnostics||111/1, Jessore Road||Kolkata||West Bengal||700124||Map|
|Ekbalpur Nursing Home Pvt Ltd||9, Ibrahim Road||Kolkata||West Bengal||700023||Map|
|Emily Nursing Home||205, Ramkrishna Samadhi Road||Kolkata||West Bengal||700054||Map|
|Eskag Sanjeevani||P-48, Khirod Vidya Vinod Avenue||Kolkata||West Bengal||700003||Map|
|Five Point Micro Surgery Centre Pvt Ltd||227, Acharya Praffula Chandra Road||Kolkata||West Bengal||700004||Map|
|Florid Nursing Home||P-1, C.i.t - Manicktala ,main Road||Kolkata||West Bengal||700054||Map|
|Gamma Centauri Health Care P Ltd||3 - B, Albert Rd||Kolkata||West Bengal||700017||Map|
|Gd Hospital And Diabetes Institute||139a, Lenin Sarani||Kolkata||West Bengal||700013||Map|
|Green View Nursing Home||B T Road||Kolkata||West Bengal||700114||Map|
|Health Care Centre||88,jessare Road||Kolkata||West Bengal||700074||Map|
|Health Point||21,and 21/1,prannath Pandit St||Kolkata||West Bengal||700025||Map|
|Hindustan Health Point Pvt Ltd||2406 Garia Main Road||Kolkata||West Bengal||700084||Map|
|Islamia Medical Institute||94, Park Street, Park Circus||Kolkata||West Bengal||700017||Map|
|Maple Nursing Home||17a, Bipradas Street||Kolkata||West Bengal||700009||Map|
|Mb Nursing Home||55, B/1 Dilkhusa St||Kolkata||West Bengal||700017||Map|
|Medi Citi Nursing Home||64a, Diamond Harbour Road||Kolkata||West Bengal||700023||Map|
|Medica Superspeciality Hospital||127 - Mukundapur||Kolkata||West Bengal||700099||Map|
|Mediview Nursing Home||74, Broad Street,ballygunge||Kolkata||West Bengal||700019||Map|
|Medline Nursing Home||48/30, Purna Chandra Mitra Lane||Kolkata||West Bengal||700033||Map|
|Mission Of Mercy Hospital And Research Centre||125/1 Park Street||Kolkata||West Bengal||700017||Map|
|Mohan Clinic||46, Lake Temple Road||Kolkata||West Bengal||700029||Map|
|Netaji Nursing Home And Diagnostice Centre||4d-ekbalpore Lane||Kolkata||West Bengal||700023||Map|
|New Saraju Nursing Home||No 46/1, Gbt Road||Kolkata||West Bengal||700002||Map|
|New Town Nursing Home And Diagnostic Co||Rgm- 1101s, Block G, Rajarhat Rd||Kolkata||West Bengal||700059||Map|
|Ng Medicare And Calcutta Hope Infertility Clinic||123a, Rash Behari Avenue||Kolkata||West Bengal||700029||Map|
|North Calcutta Nursing Home||224a, Acharya Prafulla Chandra Road||Kolkata||West Bengal||700004||Map|
|North City Hospital And Neuro Institutue||Hudco Crossing Ultadanga, 73, Bagmari Rd||Kolkata||West Bengal||700054||Map|
|Port View Nursing Home||7-dr Sudhir Basu Road||Kolkata||West Bengal||700023||Map|
|Rabindra Nath Tagore International Institute||124, Mukundapur E M By Pass||Kolkata||West Bengal||700099||Map|
|Rama Krishna Mission Seva Pratisthan||99, Sarat Bose Road||Kolkata||West Bengal||700026||Map|
|Recovery Nursing Home||15/1 ,jatindra ,mohan Avenue||Kolkata||West Bengal||700006||Map|
|Remedy Hospital||Kalitala, Garia Station Road||Kolkata||West Bengal||700084||Map|
|Renaissance Hospital||Nazrul Islam ,avenue Teghoria, Vip Road||Kolkata||West Bengal||700059||Map|
|Restroative Clinic||Panihati Municipal Super Market Complex,2nd Floor,station Road||Kolkata||West Bengal||700110||Map|
|Rotary Narayana Nethralaya||Cn-5 Sector 5||Kolkata||West Bengal||700091||Map|
|Royd Nursing Home And Healthcare||5b, Royd Street||Kolkata||West Bengal||700016||Map|
|Rsv Hospital||40, Deshapran Sashmal Rd||Kolkata||West Bengal||700033||Map|
|Ruby General Hospital||Kasba Golpark E M Bypass||Kolkata||West Bengal||700107||Map|
|Revival Nursing Home||227 A, Rashbehari Avenue||Kolkata||West Bengal||Map|
|Salt Lake City Medical Centre And Research Insititute||Dd-10, Sector I||Kolkata||West Bengal||700064||Map|
|Sankara Jyoti Eye Institute||5/1, M.s.m. Road||Kolkata||West Bengal||700116||Map|
|Saviour Clinic||2,dr Suresh Sarkar Road||Kolkata||West Bengal||700014||Map|
|Shankarnath Dialysis Centre And Nursing Home||48/41a,purna Chandra||Kolkata||West Bengal||700033||Map|
|Shradha Health Care||No.46,pramatha Chowdhary Sarani||Kolkata||West Bengal||700053||Map|
|Shusrusha Nursing Home||P-290 ,c I T Scheme 6-m, Upendra Ch ,banerjee Road||Kolkata||West Bengal||700054||Map|
|South Calcutta Clinic||19 A, Hindusthan Road||Kolkata||West Bengal||700029||Map|
|Sri Aurobindo Seva Kendra||1 H, Garihat Road||Kolkata||West Bengal||700068||Map|
|Sterling Hospital||55/1, Bhupen Bose Avenue||Kolkata||West Bengal||700004||Map|
|Sunetra Eye And Family Care Centre||1050/1, Eastern Metropolitan Bypass, Survey Park||Kolkata||West Bengal||700075||Map|
|Susrut Eye Foundation And Research Centre||Hb-36/a/1 Sector -iii Salt Lake||Kolkata||West Bengal||700106||Map|
|Swasti Eye And Superspeciality Nursing Home||Aa-2/2,rajarhat Road||Kolkata||West Bengal||700059||Map|
|Swastik Seva Sadan||No. 16c Topsia||Kolkata||West Bengal||700046||Map|
|Swiss Park Nursing Home||48/4 ,swiss Park||Kolkata||West Bengal||700033||Map|
|Sakuntala Nursing Home||Sakuntala Park, 639, B.roy Road West||Kolkata||West Bengal||Map|
|Swasti Eye And Super Speciality Nursing Home||Hj / 3 Hj / 6, Vip Road, Jora Mandir Crossing||Kolkata||West Bengal||Map|
|The Calcutta Medical Research Institute||7/2 Diamond ,harbour Road||Kolkata||West Bengal||700027||Map|
|The Sherwood Nursing Home||30-d College Street||Kolkata||West Bengal||700073||Map|
|Tulip Nursing Home||96, Rishi Bankim Chandra Road||Kolkata||West Bengal||700028||Map|
|The Mayfair Hospital||34/1a, B.t.road||Kolkata||West Bengal||Map|
|Uma Medical Related Institute||Teghoria, Vip Road||Kolkata||West Bengal||700157||Map|
|V.i.p. Nursing Home||244 And 244/1, C.i.t. Road,scheme Vi||Kolkata||West Bengal||700054||Map|
|Vip Apex Medical Centre||H/1-16, Sachindra Lal Sarani, Vip Road||Kolkata||West Bengal||700059||Map|
|Woodlands Multispeciality Hospital||8/5, Alipore Road||Kolkata||West Bengal||700027||Map|
|Zenith Super Specialist Hospital||9/3, Feeder Road||Kolkata||West Bengal||700056||Map|