What is Cashless Hospitalization? - Aditya Birla Sun Life Insurance

  • Health Insurance Articles

Illness, especially the kind that requires hospitalization, is a stressful time for any family. Today’s rising medical costs have made the process even more taxing.

However, these tense moments related to hospital visits may be a thing of the past, thanks to a concept known as cashless hospitalisation.

Cashless hospitalisation is a service provided by some insurance providers, which allows the policy holder to avail of hospital facilities without having to worry about paying hospital bills. The insurance company coordinates directly with the hospital with which it has a tie up to pay bills that are specified in the insurance policy.

How does it work?

Cashless hospitalisation can be availed in two kinds of situations: planned hospitalisation and unplanned hospitalisation in case of emergencies. For planned hospitalisation, the policy holder needs to send a request to the insurance company for cashless hospitalisation before being hospitalised. In case of unplanned hospitalisation, he can contact the insurance company after being admitted.

In both cases, a certain part of the medical expenses will be paid by the insurance company directly, as specified in the terms of the insurance policy.

Things to keep in mind

  • Cashless hospitalisation is applicable only in hospitals with which your insurance company has a tie up.

  • Even if your cashless treatment request is approved, certain costs such as the hospital admission fee, ambulance charges, services charges, etc. may be excluded. Check with your insurance company about exclusions in cashless hospitalisation.

  • Your cashless hospitalisation claim may be rejected if the illness for which you are undergoing treatment is not covered in the policy.

Quick Facts

  • Cashless hospitalization is a service offered by some insurance companies, in association with certain hospitals, which are known as network hospitals.

  • Through this service, a part of your hospital expenses are borne directly by the insurance company, thus reducing your financial burden.

Trending Articles

Popular Articles
View All

Term Plans by ABSLI

ABSLI Life Shield Plan (UIN: 109N109V04)

A customizable plan to secure your family’s non-negotiable life goals

  • Choice of 8 different plan options
  • Inbuilt term illness benefits
  • Option to cover your spouse under the policy

ABSLI DigiShield Plan (UIN: 109N108V05)

One comprehensive plan to meet a variety of life’s needs

  • Choice of 10 different plan options
  • Flexible payout options
  • Option to avail coverage till the age of 100

ABSLI Saral Jeevan Bima (UIN: 109N128V01)

A simple term plan that protects your family

  • Add-on riders to enhance protection
  • Limited premium payment option
  • Single premium option

Need help with life insurance?

I agree to the Terms of Usage and Privacy Policy and authorize Aditya Birla Sun Life Insurance Company Limited and its associates to call/SMS/Email/WhatsApp me.

Thank you for your details. We will reach out to you shortly.

1800-270-7000 or reach out to us on this number.

Thank you for your details. Currently we are facing issue in our system.

1800-270-7000 or reach out to us on this number.