Health insurance is a type of insurance that fully or partially covers an individual's medical and surgical expenses. It's an agreement between you and your insurance company, where for an annual premium, the insurer pays for your hospitalization and other medical expenses as mentioned in your policy.
To get cashless hospitalization you need to be admitted within the insurers network. Do check which network hospitals are in your area.
Some insurance plans put a limit on the type/cost of the room you can be admitted to. If you get admitted to a higher level room, kindly be aware that there will be additional charges.
A few treatments have a waiting period of 24-48 months before they are covered. Other illnesses are permanently excluded.
Under a cashless claim settlement process, when you are admitted in a network hospital, the insurance company directly settles your medical bills with the hospital.
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