Emergency - cashless
In case of an emergency, it's important to have your health registration card / policy copy ready. Don't worry, you can access the same by logging in to your `MyAccount` section.
Our executives will also be able to help you with any relevant procedures during
Emergency - Reimbursement
In the emergency situations where you are unable to find a networked hospital and urgently need medical supervision, you can get your treatment done at a hospital of your choice and file for a reimbursement later. For such cases, certain important things are to be kept in mind.
Inform your insurer as soon as possible, and no later than 24 hours of admission To be eligible to file a claim, hospitalisation has to be for at least a period of 24 hours
Planned - Cashless
Upon being advised for hospitalisation, it is recommended that you to get in touch with your Policybazaar claims assistance executive or directly with your insurer to guide you through the process of selecting a hospital where you can get cashless services.
You can also use the links below to find a hospital where your insurer provides cashless services:
Planned - Reimbursement
Though most cases of planned hospitalisation are served in a cashless manner through networked hospitals, you can always chose to get your treatment done at a non-networked hospital and file for a reimbursement claim.
Make sure to plan properly and inform your insurer in advance for all such cases. Our claims experts will be happy to guide you through the steps.
FAQ
The request for Pre- Authorization form for planned treatment has to be signed by the customer and sent by Hospital. This request must reach Insurer at least 2 days before hospitalisation.
Any change in the date of hospitalisation, Hospital, nature of illness or surgeon who is going to perform the procedure will make the authorization invalid. A fresh authorization will have to be taken.
The authorization is valid only for Network Hospitals.
The authorization will be addressed and faxed to the hospital.
If your policy allows reimbursement of medical expenses incurred towards the ailment/ disease for which hospitalisation was necessitated prior to hospitalisation and up to a certain number of days after discharge.
This is subject to the limits as described in the policy. The medical expenses incurred prior to Hospitalisation are called pre- hospitalisation expenses and those incurred subsequent to discharge as post Hospitalisation expenses.
To claim pre hospitalization expenses , Any expenses incurred on OP treatment which leads to IP hospitalization prior to 30 days prior to the date of hospitalization is settled as Pre hospitalization. All original bills have to be produced.
To claim post hospitalization expenses 7% of the Hospital bill (excluding Room rent) up to a maximum of Rs.5000/ is settled as post hospitalization. This is done based on the recommendation of the doctor and prescriptions along with discharge summary
In case of any non settlement, customer can contact customer service toll free number
Cashless Hospitalisation is available only in Network Hospitals. While it's recommended that you choose a network hospital you are at liberty to choose a non-network hospital also. In case you avail of treatment in a Non Network hospital, the Insurer will reimburse you the amount of bills subject to the policy taken by the policyholder.
The Policy Holders attention is drawn to the definition of Hospital in the Mediclaim policy. The Insurer should be contacted within 24 hours from the time of admission with details of the Insurer id card number, nature of illness, name & address of the Hospital/ Nursing Home/ Clinic, Room Number etc. The claim will be registered by Customer Care and a claim number will be provided to the Policy holder. Claim form will be sent to the Policy holder address. This claim form must be filled fully and sent to the Insurer office along with the following documents in original.
Main Hospital Bill with Receipt for payment along with the break up.
Doctors prescription and medicine bills.
Discharge summary sheet from the hospital.
Investigation reports along with the X Ray film
Other relevant details and documents connected to hospitalisation.
Note: Only expenses relating to hospitalisation will be reimbursed as per the policy taken. All non-medical expenses will not be reimbursed.