Unexpected medical emergencies, such as a family member’s sudden illness, can be hard to handle. For treatment, families may need to arrange upfront cash, which may not be possible on short notice.
To help out families and individuals in such situations, cashless health plans are available. This health insurance coverage lets you access quality medical care at any authorised facility without worrying about medical bills. In this article, we will look at the top cashless health plans in India.
Reasons to Choose Cashless Health Insurance
Whether you are comparing family health coverage or private medical insurance, features such as cashless hospitalisation can make accessing quality healthcare more convenient. Here are reasons to buy a health insurance plan with a cashless feature:
- With a cashless health plan, you don’t have to pay the full hospital bill upfront for approved treatments at network hospitals. The insurer settles eligible expenses directly with the hospital.
- Many health insurance plans with cashless features offer preventive health check-ups to help policyholders monitor their health and identify potential concerns early.
- You will have access to a large network of hospitals, giving policyholders more options when choosing a healthcare facility, including hospitals in different cities.
Comparison of Top Cashless Health Plans in India
Several insurers offer cashless health insurance with different hospital networks, preventive healthcare benefits and claim facilities. Here is a comparison of some popular options:
| Insurance provider | Premium | Cashless hospital network | Preventive health check-ups | Claim Support |
| TATA AIG | ₹15 Per Day | 15,000+ cashless hospitals | Available at network hospital up to ₹25,000 | Online claim support via website and mobile app with minimal documentation. |
| IndusInd Health Insurance | ₹545 Per Month | 10,000+ network hospitals | Preventive health check-up up to ₹3,000 | Online claim submission via app or website |
| National Health Insurance | NA | 5322 network hospitals | Check-up facility once at the end of a block of two (2) policy periods | Managed primarily through Third Party Administrators |
Factors to Consider When Comparing Cashless Health Plans
Before selecting a cashless health insurance policy, consider these important factors:
- Hospital Network: Check the number of network hospitals and whether your preferred hospitals are included. A large network is useful, and accessibility in your city matters.
- Preventive Health Check-Ups: Compare the frequency, coverage limits and eligibility conditions for health check-ups. Check whether these benefits are included in the base policy or available as an add-on.
- Claim Settlement Process: Understand the pre-authorisation requirements, documentation and claim approval process. Also check how the insurer handles emergency and planned hospitalisation.
- Sum Insured: Choose adequate coverage based on your age, family size, medical history and healthcare costs in your city.
- Waiting Periods and Exclusions: Review waiting periods for pre-existing diseases, specific treatments and other exclusions that may affect claim eligibility.
Conclusion
The right cashless health insurance policy should offer more than a large hospital network. Preventive health check-ups, adequate sum insured and a straightforward claim process are equally important when comparing plans.
TATA AIG offers access to 15,000+ cashless hospitals, annual preventive health check-ups and online claim facilities. Compare these benefits with other available options, review the policy terms and choose coverage that meets your medical and financial requirements.
