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Cashless Health Insurance

Managing rising medical costs requires the right kind of support. Health insurance is a popular choice among individuals, families and groups. However, even with a health plan, the upfront costs can be too expensive for some income categories.

This is where cashless health insurance steps in.

With a cashless health plan, you can get quality treatments without the hassle of upfront payments. The convenience of cashless hospitalisation ensures you can focus on the recovery requirements instead of money management.

IndusInd travel insurance (formerly Reliance travel insurance) offers a wide range of cashless medical insurance plans that promise affordability and peace of mind for handling emergencies better.

Cashless health insurance is any health insurance policy that allows you to get medical treatments without paying any expenses upfront. It allows you to receive quality healthcare services without any financial burden.

You no longer have to struggle to arrange urgent money to cover hospital costs. You just need to focus on getting the right treatment and recovery. After treatment is completed, the payment is settled by the insurer directly with the hospital on your behalf.

With this cashless hospitalisation convenience, your savings are protected during emergencies.

Why Choose Our Health Insurance?

Our health insurance plans offer coverage against the rising cost of medical treatments and cover a wide range of medical services, ensuring healthcare remains accessible to you in times of need.

AYUSH & Modern Surgery

Get 100% SI coverage for both*

Up to 40% Discount*

More coverage and more savings!

Unlimited SI Restoration*

Coverage that never runs out*

20+ Add-On Covers*

Customise our plans to your needs

Key Features of Cashless Health Insurance

Features	Details
Comprehensive Coverage	It offers extensive coverage for all types of medical expenses, including hospitalisation, treatment, ambulance, diagnostic tests, medication and more.
Wide Variety of Plans	To get cashless coverage, you can choose individual, family floater, senior citizen, critical illness, and top-up plans.
Cashless Hospitalisation	Receive quality treatments without the stress of upfront expenses.
Online Claim Convenience	File a claim and track the status online in a few minutes.
Direct Expense Settlement	Get your medical bills settled directly with the hospital using any cashless health plan.
Cashless Everywhere	Get the benefits of cashless hospitalisation at any hospital in India.
Tax Benefits	Enjoy tax deductions for the premiums paid towards health insurance under Section 80D.

Benefits of Cashless Everywhere by IndusInd General

Comprehensive Plans

We offer a wide range of health insurance policies under our Cashless Everywhere facility. This ensures extensive coverage for all your medical needs with cashless claim convenience.

Wide Range of Add-Ons

Our cashless facility offers many different add-ons to help you personalise your chosen health plan. Once you customise the plan, you can file a cashless claim without any hassle.

No Restrictions on Hospitals

With our plans, you can choose any hospital for treatment in India or globally. You are no longer limited to network hospitals for a cashless health claim.

Online Claim Convenience

Our quick online process allows you to file a cashless claim without any hassle. Moreover, you can easily track your health claims online to stay updated.

No Claim Bonus

Get up to 50% off on premiums for every consecutive claim-free year at the time of renewal with our No Claim Bonus benefit.

Ample Discounts

Explore different discount schemes when you choose to buy any of our cashless health insurance plans. Get up to 35% off on cashless health insurance plans when you buy online.

Tax Benefits of Cashless Health Insurance

All premiums towards health insurance policies are eligible for tax deductions. Thus, when you choose a cashless health insurance policy, you can avail yourself of tax deductions under Section 80D of the Income Tax Act. Here is all you need to know.

Categories	Tax Deductions
For individuals below 60 years	Up to ₹25,000
For family floater plan premiums (self, spouse and children) below 60 years	Up to ₹25,000
For family floater plan premiums (self, spouse, children and parents below 60 years)	Up to ₹50,000 (₹25,000 - Parents and ₹25,000 - family)
For family floater plan premiums (self, spouse, children and parents above 60 years)	Up to ₹75,000 (₹50,000 - Parents and ₹25,000 - family)
For family floater plan premiums (self, spouse, children and parents, all above 60 years)	Up to ₹1,00,000 (₹50,000 - Parents and ₹50,000 - family)

Things to Keep in Mind Before Buying a Cashless Health Insurance Plan

You must understand your coverage needs properly and then compare different cashless health insurance plans. This will help you find a plan that offers extensive coverage within your budget.

Once you have compared different cashless medical insurance plans, buy the one that allows you to make cashless claims easily. Your choice of plan must also be based on policy inclusions and waiting periods.

Ensure you check the policy exclusions before purchasing any cashless health plan. This will help you choose the right plan and reduce the risk of cashless claim rejections.

Choose your insurer also wisely. Check the insurer's market image and claim settlement ratio to ensure you get timely claim settlements without too much hassle.

Look for an insurer that offers the convenience of filing and tracking claims online. This will reduce the time and effort required to file a cashless claim during emergencies. Our user-friendly website offers a 2-minute claim process for quick settlements.

You must choose an insurer and policy that promises 24/7 customer support. This ensures that all your doubts and questions are resolved quickly so that you can file a claim on time.

Please take some time to read the policy document. This will help you understand the details of the chosen policy, from terms and conditions to waiting periods and available add-ons.

Types of IndusInd Health Insurance Policies

IndusInd Health Infinity Insurance

Extensive coverage up to ₹5 crore* with unlimited reinstatement ensures continuous protection even after multiple claims. Suitable for those who need high coverage without claim restrictions or coverage gaps. Our plan also offers the option to increase your sum insured by 30%* under the MoreCover add-on, providing enhanced financial protection for Delhi’s rising healthcare costs. For ex, if you have a ₹3 Cr SI, you can get ₹90 Lakh additional cover with this add-on.

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IndusInd Health Gain Insurance

You're covered for hospitalisation, surgeries and treatments with a sum insured from ₹3 lakh to ₹1 crore*, ensuring all routine and emergency healthcare needs are covered. Perfect for individuals and families seeking extensive coverage with flexible customisation options. For ex, if you want to cover your entire family, including your spouse, dependent children and parents under the same SI, this plan is an ideal choice. It allows you to customise with add-ons and different plan variants.

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IndusInd Global Health Insurance

Provides worldwide coverage of up to USD 1 million* for planned and emergency treatments across international locations. Emergency medical treatment coverage is available when you add our multi-trip rider to your policy. Ideal for frequent travellers, expatriates and professionals working in MNCs requiring quality international + national healthcare with high coverage in USD for emergency and planned treatments, such as cancer care.

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IndusInd Super Top-Up Health Insurance

Acts as financial backup once annual medical expenses exceed the deductible limit, covering additional costs up to ₹1.3 crore*. For example, if you exhausted your ₹10 lakh health insurance for your father's surgery and need to make a second claim for his post-operative care. Then, this insurance will act as a secondary coverage for your other needs, making it ideal for Delhi residents facing the city’s high medical costs.

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Inclusions and Exclusions of Cashless Health Insurance

What is Covered?

Hospital Expenses: Covers in-patient hospitalisation, pre/post hospitalisation costs, day care procedures and ambulance charges for comprehensive medical protection.

Day 1 Coverage: We offer day 1 coverage under our health insurance plans for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.

AYUSH & Modern Treatments: Coverage for traditional AYUSH therapies (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) and advanced treatments like robotic surgery and stem cell procedures.

Maternity & Newborn Care: Prenatal, postnatal, delivery expenses and newborn medical care coverage up to ₹2 lakh* for growing families under this add-on.

Global Emergency Cover: Medical emergency treatment costs are covered abroad for up to 45 days* with a minimal deductible during international travel.

Accident & Illness Protection: Deductible waived for accidents and premium waiver for one year* upon critical illness diagnosis for financial relief.

OPD & Home Care Services Outpatient consultations, diagnostic tests, pharmacy expenses and home-based ICU setup coverage for convenient treatment options.

Annual Health Rewards: Cumulative bonus up to 50%* for every claim-free year, plus free health check-up after 3 years* of policy continuation.

What is Not Covered?

Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.

Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.

Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war or any illegal activities are not covered.

Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans.

Waiting Period: All accident-related claims are covered from day 1. All other claims are subject to an initial 30-day waiting period.

Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).

Unlawful or Self-Inflicted Situations: Injuries caused by self-harm, participation in illegal activities, substance abuse, riots, terrorism or war are not covered.

Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

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How Cashless Health Insurance Works?

Buy Policy Online

You compare different health insurance plans that offer a cashless claim option and buy one.

Enjoy Coverage

You enjoy comprehensive coverage offered by your chosen plan.

Get Medical Support

When an emergency takes place, rush to the nearest hospital and get support.

File a Claim

Submit a cashless insurance claim within 24 hours of the emergency.

Claim Settlement

After treatment is completed, the insurer will settle your medical bills directly with the hospital. You will not have to pay any upfront expenses.

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How to Use Cashless Health Insurance Card During Hospitalisation?

A cashless health card is crucial for treatments at network hospitals only. To begin treatment, this card must be submitted along with the “Cashless Request Form" at the hospital reception.A copy of your health insurance cashless card is needed at the time of hospital admission. So, you must keep the copy and original card with you to avoid treatment or claim delays.

You can visit our website to get an online cashless health card in just a few minutes. These are the steps to follow -

Visit our website and select the “Self-Help" option from the top right.
Then, select “Health" and then click on “Download Health Card" to proceed.
On the new page, add your cashless health insurance policy number and select “Confirm".
Enter the requested details on the next page, then download and print your Health Card to file cashless claims at any of the network hospitals.

Top Reasons for Claim Rejection in a Cashless Mediclaim Policy

Pre-Existing Medical Issues

Your claim can be rejected if you do not update us about pre-existing conditions when you buy cashless health insurance or until the waiting period is over.

Inaccurate Information

Providing inaccurate information on your claim form will result in instant cashless claim rejection. Thus, you must carefully check all the information you add to the form before submission.

False Claims

Filing for claims that are not included in your policy or are not true can result in instant claim rejections.

Invalid Policy

Filing any claim with an invalid cashless mediclaim insurance policy will lead to claim rejection. Moreover, you will risk losing coverage due to delayed renewal.

Delay in Notification

If you delay notifying us of an online cashless health claim, your claim settlement can be delayed or rejected based on the policy terms.

Difference between Cashless vs Reimbursement Claim

Parameters	Cashless	Reimbursement
Upfront Payment	Does not require any upfront payments (except for non-medical expenses).	Requires upfront payments to settle medical bills.
Hospital Access	You can claim at any hospital in India.	You can claim at any hospital in India.
Process	Direct process with limited documentation and steps.	It requires the submission of many documents and other information.
Financial Burden	No financial burden.	Incurs an immediate financial burden to cover medical expenses.
Settlement Time	Faster processing time, as direct settlement is done between the insurer and the hospital.	Longer processing time, as document verification and approval is required beforehand.

How to File an IndusInd Health Insurance Claim?

Step 1

Call our helpline +91 48903009 or use the IndusInd Insurance app to register a claim.

Step 2

Visit any of our network hospitals or approved non-network hospitals for treatment. Use the cashless network hospital locator widget below to find your nearest hospital.

Step 3

Submit pre-authorisation form within 24 hours for emergency or 48 hours before planned treatment.

Step 4

Provide all required medical reports and bills directly to the hospital staff.

Step 5

We will settle your medical bills directly with the hospital without payment.

Step 1

Inform us about your claim via helpline, email, or our IndusInd Insurance app.

Step 2

Visit any authorised hospital of your choice and receive the required medical treatment.

Step 3

Pay all hospital bills and medical expenses upfront from your own pocket.

Step 4

Submit scanned documents within 7 days, including bills, reports and payment receipts.

Step 5

We will review your documents and reimburse the eligible medical expenses amount.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Health insurance starting at just ₹382 per month*!

From Hospital to Home, We’ve Got You Covered!

Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

What is Cashless health insurance?

Cashless health insurance is a feature of health insurance plans where the policyholder does not need to pay the medical expenses out of their pocket. The insurance provider will settle the medical bills directly with the hospital.

What can I do if my cashless claim is denied?

If due for any reason, your cashless claim is rejected by the hospital authorities or insurance provider. Then, in that case, you need to pay for medical expenses out of your pocket and later raise a reimbursement claim request. However, before filing a reimbursement, make sure to collect all the necessary documents such as diagnostic assessment, prescription, discharge summary and more from the hospital.

What is a network and a non-network hospital?

A network hospital is a medical facility that has a tie-up with the insurance company for a cashless claim facility. Due to this, these hospitals offer fast and expedited cashless claim processing without complex paperwork. Non-networks refer to other authorised medical facilities that do not have a tie-up with insurance companies. However, as per new IRDAI guidelines, individuals can also avail a cashless claim in a non-network hospital. But the cashless claim process might take some time.

What is covered under the cashless health insurance plans?

Various treatments are covered under the cashless health insurance plans, such as: Hospitalisation Expenses Day Care Procedures In-patient Treatment Domiciliary Hospitalisation AYUSH Benefit Ambulance Charges Diagnostic Tests

What are the reasons for cashless claim rejection?

Cashless claim rejection can happen due to various reasons. Some of the reasons are: If you fail to obtain the pre-authorisation from the insurance provider within a stipulated time frame, it can lead to claim rejection. Missing or incorrect documentation at the time of taking a cashless claim can also lead to rejection of the cashless claim request. If your health insurance policy has lapsed or expired, a cashless claim request is not valid under such circumstances. Failure to disclose any medical information or disease before taking a medical treatment can also result in rejection of cashless claim requests. If you do not complete the waiting period before making a claim, it may result in a cashless claim rejection. If a cashless request has been made for treatment at excluded or blacklisted hospitals, the likelihood of claim rejection is high.

How can I find a network hospital for cashless treatment?

If you want to locate the network hospital in your area, then you need to follow the below mentioned steps below: Go to the IndusInd Insurance App. Head to the “Health” section and choose the “Network Hospital Locator” option. Enter the requested details, such as city, and click on the "Search" option. The application will display the available network hospitals in your area with their names and addresses.

What are the documents required for a cashless health insurance claim?

To avail a cashless claim in any authorised hospital, you need to submit the following documents to the hospital authorities. These documents are: Valid health insurance card or policy document issued by IndusInd General Insurance. Government-issued photo identification such as Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License. Duly filled pre-authorisation form provided by IndusInd General Insurance, which must be submitted prior to treatment. Prescription from the treating doctor advising hospitalisation. Hospital admission form or letter stating the reason for admission. Medical reports or diagnostic results related to the illness or injury. Hospital discharge summary after treatment completion. Original hospital bills, receipts, and payment vouchers. In case of accidents, FIR (First Information Report) and medico-legal documents, if applicable. Additional documents, such as NEFT/bank details, are required for claim processing and reimbursement.

What is a TPA?

A Third Party Administrator (TPA) is an entity that acts as an intermediary between health insurance companies, policyholders, and healthcare providers. TPAs manage and administer insurance policies on behalf of insurers, primarily handling claims processing, pre-authorisation, and coordinating cashless claim approvals with network hospitals. They also assist with customer support and help streamline the claim settlement process, ensuring faster access to medical treatments for policyholders.

What is pre-authorisation in cashless claims?

Pre-authorisation in cashless claims is the process where the hospital or insured submits a request to the insurer or Third Party Administrator (TPA) before the treatment begins. This request includes the pre-authorisation form along with details such as the patient’s identity, illness, estimated treatment costs, and medical reports. The insurer then approves or rejects the claim based on policy coverage within a stipulated time.

What treatments are not covered under the cashless health insurance plans?

Various treatments are not covered under the health insurance with a cashless benefit feature, such as: Unapproved treatments Self-Inflicted situations Cosmetic or plastic surgery Substance abuse and alcohol treatment Obesity or weight control treatment

Can I make both cashless and reimbursement claims?

No, you can not make cashless and reimbursement claims at the same time. If the cashless claim has been approved, you cannot make a reimbursement claim. However, if the cashless claim request has been rejected, then you can apply for a reimbursement claim.

Can I also track the cashless claim request?

Yes, you can easily track the cashless claim request by following these steps: To track the claim, go to the “Health Insurance Claim” page. Enter the policy number, date of admission, captcha code and then click on the “Track Now” option. The cashless claim insurance status will appear on the screen.