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Imagine needing urgent medical care—wouldn't it be a relief to focus solely on recovery rather than worrying about bills and payments?
With a cashless health insurance policy, you can do just that. Think of it as “peace of mind in your pocket,” letting you walk into a network hospital, show your insurance card, and receive treatment without paying upfront.
This “hands-free” approach to health coverage ensures that finances don't add to your stress in moments when your health comes first.
Cashless health insurance refers to a health insurance plan that gives you the choice to opt for your required treatment, without having to pay any cash out of your own pocket. The same costs are directly taken care of by the hospital and your health insurer (us!).
For example: If you or a family member is affected with the coronavirus and needs to be admitted for treatment, a cashless medical insurance will ensure you don’t need to pay upfront for the costs of the same.
All you need is an approval from your health insurer or third-party administrator and the rest will be taken care of by your health insurer!
Imagine being admitted to a hospital because of an illness and you have to pay nothing! Unbelievable, Right? But yes, this is possible because of Cashless Claims.
In a cashless claim, the hospital and your insurance company/TPA will work together to arrange and pay the bill according to your policy's coverage, but only if you undergo the treatment in an affiliated hospital.
A cashless claim is a simple process. Cashless health insurance ensures cashless treatment anywhere, removing the inconvenience of paying cash at hospitals when necessary:
Who doesn't like to be stress-free while undergoing treatment? A cashless medical insurance policy is important to protect you from hefty medical bills. Here are some other important things about having cashless health insurance.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalization for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalized for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalization, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
|
Co-payment |
No |
|
Room Rent Capping |
No |
|
Cashless Hospitals |
8800+ Network Hospitals across India |
|
Inbuilt Personal Accident Cover |
Yes |
|
Wellness Benefits |
Available from 10+ Wellness Partners |
|
City Based Discount |
Up to 10% Discount |
|
Worldwide Coverage |
Yes* |
|
Good Health Discount |
Up to 5% Discount |
|
Consumables Cover |
Available as an Add-on |
Cashless health insurance is a necessary coverage one should have in the time of an emergency. It has several advantages that can help you be stress-free and not worry about managing the large amount at the hospital. Here are a few advantages:
When you or a family member is admitted due to an illness, the last thing you should worry about is the money, and cashless health insurance helps you with just that by covering the cost of hospitalisation.
Cashless medical insurance claims require approval before treatment, which ensures that your health insurer approves your claim. Hence, there's less uncertainty involved with a cashless health insurance claim.
While both cashless claims and reimbursement claims can be hassle-free, reimbursement claims, in comparison, do take slightly more time to process. This is because, unlike cashless claims, reimbursement claims are approved and taken care of right at the time of admission.
Having cashless health insurance is similar to having a hospital network passport. Numerous hospitals included in the insurance network are available for your selection. This implies that you have choices and can select the healthcare facility that best suits your requirements.
Emergencies are already a stressful situation. Having health insurance that doesn't require cash brings relief. You receive the necessary care without worrying about making financial arrangements or experiencing financial strain during treatment.
In the digital world today, nobody likes dealing with mountains of paperwork. The key to cashless health insurance is going digital and eliminating the burden of completing paperwork and monitoring expenses. It's efficient, quick, and simple.
Cashless health insurance ensures cashless anywhere, removing the inconvenience of having to pay cash at hospitals when necessary. Insurance companies bargain directly with hospitals in their network to pay for the insured person's medical care.
Here’s a glimpse into how it works and how you can make a cashless claim with your health insurance.
You must have a few important documents when visiting a cashless hospital in India. With no upfront fees, this procedure makes your hospital stay easy and hassle-free. The documents include:
Get Cashless Treatment at 8400+ Hospitals across India
Although we hope that never occurs, you can file a reimbursement claim at any other hospital of your choosing in its place. Here's how to submit a claim for reimbursement:
As mentioned above, there are two types of processes you can opt for during claims in health insurance. A cashless claim or a reimbursement claim. Here’s a quick table to help you understand the key differences between the two!
One excellent strategy to lessen the financial strain of medical bills in India is to use a cashless mediclaim policy coverage. Nonetheless, claims made under this policy may be denied for specific reasons.
Let's dissect it to make it easier to understand:
The General Insurance Council (GIC) started the 'Cashless Everywhere' program to recreate the Indian health insurance market. By altering the traditional methods of filing health insurance claims, this program gives policyholders greater ease and versatility.
In the past, policyholders who wanted cashless treatment had to choose a network hospital. If they sought medical attention outside of these networks, they had to pay the full hospital fee before filing a reimbursement claim. However, the Cashless Everywhere Hospitals campaign lifted these limitations, enabling policyholders to get cashless care at any hospital, independent of network ties.
This is how Everywhere Cahsless works:
In India, cashless health insurance has transformed the way people approach healthcare, offering peace of mind in times of medical need. With a simple e-card at a network hospital, policyholders can focus on their recovery. At the same time, the insurer takes care of the financial side—no waiting in long queues or arranging last-minute funds.
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