How to Avail Cashless Mediclaim?

Only if you are admitted to a network hospital may you file a cashless mediclaim. You must fill out a pre-authorization form from the hospital's insurance desk and submit it to the TPA prior to admission. Your claim will be accepted or rejected by the insurer/TPA with a proper explanation. You can get cashless hospitalisation if you meet the following criteria:

• Planned Hospitalization:You must fill out the pre-authorization form ahead of your hospitalisation date if you know you will need to be hospitalised in the coming days. This form, along with your policy card, must be submitted to the insurer/TPA. The insurer/TPA will either accept or reject your claim with a good reason once the paperwork is filed.
• Emergency Hospitalization:If you are unable to fill out the cashless claim form due to an emergency, you should do it within the next 24 hours. The pre-authorization form can be filled out and submitted to the insurer/TPA by one of your family members. The claim will be processed within 6 hours by the insurer/TPA. If this is not possible, you can seek reimbursement from the insurance company afterwards.