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Sitemap > Insurance Articles > General Articles > What is Cashless Mediclaim?
Insurance is understood by people as the facility that reimburses the expenses spent on a certain specific incident. But with innovations in it, the insurers have incorporated new features in the insurance policies. Cashless mediclaim is one such added advantage that provides an easier way than the getting the expenses reimbursed. It makes the treatment free of cost, resolving the need of waiting till the reimbursement formalities.
As several new health insurance policies have emerged for people, they have brought along various new coverage facilities. Cashless mediclaim is one such benefit that has been designed to make the healthcare journey devoid of fiscal stress. Once insured under this coverage, the insured is not required to deal with the medical bills. Rather the respective insurance company steps ahead to settle the expenses during the treatment. The insured is simply required to sign the bills and the insurer gets in touch with the hospital directly to settle the bills.
One crucial feature that the person needs to keep in mind is that the facility of cashless mediclaim can be availed only in network hospitals. Every insurance company providing this facility maintains a network with certain hospitals. While seeking treatment in any of the empanelled hospitals, the policyholder can enjoy the treatment on cashless basis.
In case of a planned claim, the person can avail of the facility of pre and post- hospitalization by informing the insurer a certain number of days prior to hospitalization. In such cases, the insurer offers coverage for the  expenses incurred during the pre- hospitalization and post- hospitalization in due course. But to undertake this facility the person needs to inform the respective insurance provider in advance, pertaining to the related terms of the policy. Giving prior intimation, the person can thereby avail the coverage up to the number of days as mentioned in the policy. To get familiar with all these terms and conditions, the person needs to read all the related details.
Besides this there are cases where the person requires the health treatment on urgent basis due to grave illness or an accident. In such a situation the person can claim the cashless mediclaim on emergency note. 
In both the cases the claim can made by providing essential details, medical reports as per the prescribed format to the insurer. However the person need not get worried considering it to be a complex process. It is an easy to operate method that makes the healthcare treatment uncomplicated for people. But it extremely important to read all the policy details in this regard to understand the facility completely. It is also imperative to keep all the required documents handy while making a cashless mediclaim. By submitting them in the hospital, the person will be able to get started with the treatment.
One major benefit that cashless mediclaim offers is peace of mind. It gives relief from the financial strain that majority of people encounter in an attempt to seek quality health treatment. In addition the person is saved from the last minute panic. It resolves the trouble of arranging funds on an urgent basis. There have been cases where people encounter an affordability issue and hence run around to get the funds arranged so as to meet the healthcare expenses. This is a great impediment that makes the situation truly intricate not only for the affected person but also for the relatives. It gives a tough time to people, paving way for further difficulties.
The biggest risk it generates is the effect on health. Without ample funds the person is unable to access the required treatment. This can affect the health of the person to a great extent. Thereby it can affect life in the longer run. However health insurance is an easy way to escape this problem. With the insurance coverage the person can easily meet the expenses and can hence get cured under the best healthcare facilities.
Medical insurance provides a comprehensive canopy to the buyer. It issues financial coverage against certain specific health mishaps. By choosing the plan that best suits the personal healthcare needs, the person can acquire required coverage. It will then look after the healthcare needs of the person, enabling him/ her to avail the quality medical care services without worrying about the related expenses.
It is advised for every buyer to look for a plan that is suitable as per their needs. By choosing a plan that imbibes the feature of cashless mediclaim, it makes the health coverage complete for the person. But before you invest in any plan you need to delve into all the details. The person must take a look at the empanelled hospitals wherein he/ she will be able to utilize this facility. Also you must not forget or overlook the associated terms and conditions of the policy because the policy coverage will vary as per the related terms. Hence to ensure that your claim does not get rejected at the time of need, it is imperative to go through all the details. It will help you understand the plan in its true sense. Thereafter you will be able to utilize the plan and extract maximum benefits out of it.
Every buyer invests in insurance with an aim to reap the best returns. To fulfill this need, the buyer just needs to spend ample time while selecting the plan. Taking a look at all the features and benefits, one can select the best health plan for oneself.
People searching for a plan offering cashless mediclaim provision must opt for the best health insurer, such as Apollo Munich. The company offers this facility to make healthcare coverage complete for the person. It maintains a network of more than 4000 hospitals, allowing its customers to avail of treatment on cashless basis easily. By providing this facility, Apollo Munich makes sure that the insured receives best medical care during any need. Offering this coverage the insurer takes the responsibility of settling the medical bills up to the limit of sum insured. Hence one must prefer to choose such a policy and ensures the total healthcare as and when required.
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