EB360

What is the procedure to avail cashless facility?

The customer needs to find a network hospital to get a Cashless facility.

Is there any time limit to submit the Pre-authorisation request?

If it is a planned hospitalization then the pre-authorization request needs to be sent 48 hours from the date of admission. In case of emergency, the pre-authorisation request needs to be sent within 6 hours from the time of admission.

Do I need to pay any amount to the hospital while getting discharged for Cashless hospitalisation?

The policyholder needs to pay the non-medical expenses and the co-pay amount (if applicable). He will need to pay the difference amount (the difference between the final bill and the approved amount).

What are Non-Medical expenses?

Medical expenses are: Admission fees, Registration fees, gloves, blade, water bed, food & beverages, extra bed etc., Policy holder needs to pay for these expenses which are not covered by insurance policy terms and conditions.

Is there any minimum time limit for staying in the hospital?

A minimum of 24 hours of hospitalization (if not day-care) with an active line of treatment is required. However, there are a few specific ailments /procedures specified in the policy which can be covered even though the period of hospitalization is less than 24 hours. Such as Dialysis, Chemotherapy, Radiotherapy, Eye Surgery etc.,