Cashless Everywhere: Get 100% Cashless Treatment at any Hospital

What is 'Cashless Everywhere'?

Cashless Everywhere is a revolutionary initiative that allows you to avail cashless medical treatment at any hospital of your choice. It enables you to avail cashless hospitalization facility under your health insurance policy even if the hospital is not within the insurance company's network. With this customer-friendly initiative, you no longer have to worry about finding a network hospital during a medical emergency and can instead avail cashless treatment at your trusted hospital.

Access Cashless Treatment at Non-Network Hospitals

Previously, policyholders could avail cashless treatment only at a network hospital of their insurance company. In case they were admitted to a non-network hospital, the policyholder had to file a reimbursement claim with their insurer after paying the entire hospital bill at the time of discharge. With Anywhere Cashless, you can receive cashless medical treatment at any hospital across the country, regardless of whether it is on your insurer’s network list or not.

Real-life Example:

Recently, a Policybazaar customer was hospitalized in a non-network hospital close to home due to an emergency for bronchitis. When the customer contacted us to initiate a reimbursement claim, one of our customer executives suggested a cashless claim under the Cashless Everywhere facility. Eventually, a cashless claim was filed and successfully approved within 24 hours.

Benefits of Cashless Everywhere

Here are the key benefits of Anywhere Cashless facility:

No Restriction on Hospital - Cashless treatment will be available at all hospitals across India, whether they are network or non-network hospitals.
Quick Treatment - You will have immediate access to cashless medical care as you will no longer have to look for a network hospital.
No Reimbursement Hassle - With Cashless Anywhere, your insurer will directly settle your bills with the hospital, thus saving you from the hassle of filing a reimbursement claim.
Reduced Fraud - The risk of fraudulent claims will reduce as more transparency will be maintained with cashless treatment.
Time-saving - Policyholders will save a lot of time as cashless treatment requires minimal documentation.
Enhanced Health Insurance Penetration - Cashless claims account for 65% to 70% of all health insurance claims. Moving towards a 100% cashless system will streamline the claims process and enhance insurance penetration in India.

How does Cashless Everywhere Facility Work?

With the 'Cashless Everywhere' initiative by IRDAI, cashless claims are possible under specific guidelines:

For Planned Treatments:
The policyholder must inform the insurer at least 48 hours before the hospitalization if there is an elective surgical procedure or planned treatment in a non-empanelled hospital.
For Emergency Treatments:
In emergency hospitalization, the insurer must be informed within 48 hours of hospital admission to avail of cashless treatment at a non-empanelled hospital.

Note: You must check the specific terms and conditions of the Cashless Everywhere facility with your insurer to ensure compliance and avoid any issues during the claim process.

How to File a Claim Under Cashless Everywhere?

Follow the steps below to file a claim under the Cashless Anywhere initiative:

Intimate the Insurer

Inform the insurer about your planned hospitalization at least 48 hours in advance. Notify the insurance company about your emergency hospitalization within 48 hours.
ID Card Presentation

Present the insurer-provided ID card during hospitalization for easy identification and claim initiation.
File a Claim Request

Complete and submit the cashless claim request form to the insurer via email, post, or fax.
Document Submission

Provide all necessary documents, such as KYC, medical records, and doctor's prescription, for claim processing.
Final Approval

The insurance company reviews the documents and approves the claim if everything is in order.
Bill Settlement

Once approved, the insurance company will settle the bills directly with the hospital according to policy coverage.

FAQs

Q1. What is cashless everywhere in India?

Ans: Cashless Everywhere is a recently introduced initiative that allows health insurance policyholders to avail cashless treatments at all hospitals across India. It enables people to avail cashless treatment at any desired hospital, even if it is under their insurer’s network.
Q2. What are the rules for cashless everywhere?

Ans: To avail the Cashless Everywhere facility, you need to inform your insurance company about your emergency hospitalization within 48 hours of admission and planned hospitalization at least 48 hours in advance.
Q3. Can I claim my health insurance in any hospital?

Ans: Yes, You can claim your mediclaim policy at any hospital under the anywhere cashless facility.
Q4. Which insurance company provides cashless everywhere?

Ans: Most health insurance companies in India offer cashless everywhere facility to their customers.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in