Cashless Mediclaim Policy: Old, Gold but unpopular.
Cashless hospitalization is proving to be beneficial for users, especially in emergency situations as a seriously ailing patient may not be able to arrange money before being treated. In addition, it is also very likely that he does not know many people in the city. A cashless hospitalization can simply solve this situation.
Types of Cashless Health Insurance in India:
There are many types of cashless health insurance in India which can be broadly classified into following categories:
1. Cashless Family Health Insurance
This is the cashless family health insurance policy where sponsor owns the policy and the people covered under it are called its members. One can get his whole family covered under one policy or plan.
2. Cashless Health Insurance for Senior Citizen
This is the cashless health insurance for senior citizens who cover hospitalization expenses, ambulance charges, and pre-existing diseases subject to terms of the policy.
How Cashless hospitalization Works?
Health insurance companies tie up with different hospitals after checking quality of their medical services and negotiating rates for different procedures. These hospitals are known as network hospitals and when you get hospitalized in any one of them, you do not have to settle the bill with the hospital. Your insurance company that is represented by TPA (third party administrator) will coordinate and settle the bill with the hospital.
Planned Hospitalization or Emergency Hospitalizationare two ways through which you can avail cashless hospitalization.
But the problem here is:
(I’ll go on the basis of Bharti AXA as they show and write “Bharti AXA has one of the biggest list of cashless hospitals present across the India. )
IT’s an old service but do they actually think that some Five Thousand around of hospitals (as I searched out in their list) in the network will actually solve up the problem of going emergency cashless? I don’t want to remind again and again of the population of India but they force me p to do so.
While even the hundreds of local stores are going online via Zopper and thousand of apps and say “cashless” why can’t there be a network of such hospitals. Don’t tell me I’m living in Digital India where we can’t even do great networking between hospitals to help out the needed people. I’m all ready to pay out prepaid if I’m actually getting a nice service to go cashless….