No matter how prepared you try to become for life, there is a strong chance that you may face an unforeseen situation. However, you can always make sure to prepare for all possible scenarios. One of the most common scenarios that people encounter in life is getting a call from friends or family for cash to be given to be deposited at a hospital. Sometimes, an ATM is enough in a short pinch, but you cannot expect the money back instantly. Additionally, ATM will not dispense after a particular amount. Therefore, in such situations, it is better to select cashless hospitalization as part of your health insurance. However, there are a lot of factors that you need to be aware of before you select cashless medical insurance.
Factors to Consider for Cashless Hospitalization with Health Insurance
Types of Cashless Hospitalization
Types of cashless hospitalization includes cash planned hospitalization and emergency hospitalization. In case the hospitalization is planned, then you need to contact your health insurance provider to let them know in advance. Thus, they will sanction the required amount for the treatment.
In case of emergency treatment, you will need to show your medical insurance card at the hospital. The medical insurance card contains relevant information such as your policy number, name of your provider, and the type of medical policy.
What is covered under Cashless Hospitalization?
Before buying any policy, you should always analyze and check what is covered under the policy. The things covered under the policy differ for each policy provider. However, some of the most common things are:
- Ambulance charges
- Documentation charges
- Service charges or Tax
- Visitor Fees
- Toiletries
- Factors to consider before buying
Reasons for Rejection
It will also be prudent on your part to know the reasons why your claim could be rejected by the health insurance provider so that you can avoid such situations. The reasons are as follows:
- If you have already exhausted the allotted amount.
- If there is a pre-existing condition that is not authorized by the insurance provider.
- If the hospitalization is for a condition that is not covered under the insurance policy.
Benefits Galore with Bharti AXA
Bharti AXA provides options for cashless hospitalization. Additionally, you will also be able to customize your policy to ensure that you get the policy that is best suited for you. Furthermore, you will be able to enjoy the benefits of the medical insurance card that will make the process of cashless hospitalization easier.
