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A cashless health insurance facility helps families during any medical emergency, where there is difficulty in arranging money at the last moment. A cashless hospitalization facility comes in handy to insured and their families during such stressful times. India has several health insurance companies that offer cashless hospitalisation to the insured.

What is a cashless hospitalisation?

  • At times of any medical emergency, in-patient hospitalisation treatment is expensive, making it difficult to pay the bills out of pocket and to get it reimbursed from the insurer later.
  • Cashless hospitalisation is the best alternative under such circumstances. 
  • Cashless hospitalisation ensures the insurer can directly settle bill with the concerned hospital.
  • The insured does not have to pay any money for expenses initially and get it reimbursed later.

What is the importance of cashless hospitalisation?

  • Helps families in getting timely medical treatment
  • Ensures relief to families from undue financial and mental stress during medical emergencies
  • Relieves families from the hassles of medical bills and reimbursement formalities at network hospitals by undertaking cost of treatment

Best Cashless Health Insurance Company Plans in India

Cashless Health Insurance PlansEligibility Sum InsuredWaiting PeriodInsurance Coverage

Apollo Munich Optima Restore Health Insurance

5-65 years

Minimum amount of Rs. 3 lakhs

3 years for pre-existing diseases

Pre and Post Hospitalisation

ICICI Lombard Health Care Plus

5-65 years

Not applicable

4 years for pre-existing diseases 

Pre and Post Hospitalisation

Care Health Plan

5 years - above 18 years 

Between Rs. 3 lakhs - Rs. 6 Crores

4 years for pre-existing diseases

Pre and Post Hospitalisation

Max Bupa Cashless Health Insurance

18 - 65 years

Rs. 5 lakhs

2 years for pre-existing diseases

Pre and Post Hospitalisation

Bajaj Allianz Health Insurance Family Floater

18 - 65 years

Rs. 1.5 Lakh - 50 lakhs

2 years for pre-existing diseases

Pre and Post Hospitalisation

Cashless health insurance policies are available in India for individuals, family and senior citizens. Make sure to check the features, availability, pros and cons of cashless policies while choosing health insurance plans.

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