Cashless Everywhere

What is the 'Cashless Everywhere' initiative?

The 'Cashless Everywhere' initiative launched by the GIC allows health insurance policyholders to get cashless treatment at any hospital irrespective of network affiliations. This move seeks to make claims for health insurance more flexible and convenient.

How does 'Cashless Everywhere' differ from traditional health insurance policies?

Traditionally, individuals holding policies had no choice but to select a network hospital if they were considering going in for cashless treatment. If they went outside this network for treatment, then they had to pay the bill upfront with hopes of it being paid back later on as a reimbursement claim.

What are the main benefits of the 'Cashless Everywhere' initiative?

• Enhanced Accessibility: Provide a wide array of hospitals with cashless facilities for more choices and conveniences.
• Simplified Procedures: No upfront payments and subsequent reimbursement claims when selecting treatment at non-network hospitals.

How can I avail the 'Cashless Everywhere' service?

• Ask the Hospital: Request that the hospital send a cashless request in the prescribed format (Download Preauthorization request form).
• Submit Your Request via Email: The hospital must email this completed form to [email protected] to get further assistance.
• Onboarding Process: The insurer will connect with the hospital to enrol them as a network provider, so that they can process your cashless facility request.

What documents are required from the hospital for cashless treatment?

• Pre Authorisation request duly filled up, signed by the treating doctor and stamped by the hospital.
• Diagnostic test reports, KYC documents, and customer ecards.
• Memorandum of Understanding (MOU) signed with the hospital.
• A consent letter from a non-network hospital for offering a cashless facility.

How do I contact the insurance provider for assistance?

You can contact the helpline number 1800 266 2256 or email [email protected] for any assistance.

What are the timelines for submitting the pre-authorisation request?

• Planned Hospitalisation: 48 hours before the admission, you are required to submit your pre-authorisation request.
• Emergency Hospitalisation: You have to submit your pre-authorisation request within 48 hours of being checked in for purposes of provider onboarding.

Is every hospital eligible for the 'Cashless Everywhere' initiative?

Although this particular initiative targets any hospital seeking to offer cashless services, there is a need for the insurance firm to bring the hospital into its network. The terms and conditions must first be agreed upon by the hospitals themselves before they are inducted into the network.

What types of treatments are covered under the 'Cashless Everywhere' initiative?

The 'Cashless Everywhere' campaign covers treatments according to your health insurance policy's terms and conditions. You should confirm with your insurance company in detail what is covered.

What is the process for a hospital to become a network provider under this initiative?

The required documents should be submitted and also acceptance of such terms and conditions by the hospital is mandatory; then it could be admitted as a network hospital by giving cashless facilities to clients who hold policies from them.

What happens if the hospital does not agree to the terms and conditions?

If hospitals refuse these terms and conditions, "Cashless Everywhere" cannot absorb them as network providers. In other words, under such circumstances, subscribers may choose an alternative medical facility or go through a classic reimbursement procedure.

What should I do if my cashless request is denied?

If your cashless request is denied, you can contact the insurance provider's helpline at 1800 266 2256 or email [email protected] for further assistance and clarification.

How can I ensure a smooth cashless treatment process?

To make sure that everything is smooth enough, the hospital should ensure that it has submitted a pre-authorisation request in time and in the required format. Keep all necessary documents ready and communicate rapidly with your insurance provider for any help needed.