You need health cover regardless of what you take two at a time - pills or stairs.
  • Do’s and don’ts to Follow When Buying a Cashless Health Insurance Policy

    Health insurance buyers have been able to heave a sigh of relief ever since cashless insurance policies came into play. The prime reason for this is, policyholders no longer have to pay for their treatments out of their own pockets and wait for the insurance companies to reimburse them. Cashless policies have actually made paying for medical procedures a lot more easier as it don’t involve much of paying. Rather it requires an individual to submit the documents and be an interface between the hospital and the insurance provider.

    In this article, we will learn about some of the do’s and don’ts before investing in a cashless health insurance policy. But before that let’s give you a brief about what a cashless insurance policy is.

    What is a Cashless Health Insurance Policy?

    A Cashless Health Insurance Policy is a policy which doesn’t require you to pay for your treatments in a network hospital affiliated with your insurer. To get a cashless treatment, all you would have to do is show a valid identification and let the hospital and the insurance company sort out the payment based on the treatment you have availed. Now, let’s get to the do’s and don’ts of a cashless health insurance policy. .

    Do’s:

    Here are some of the things you need to do when opting for a cashless health insurance policy.

    Keep Yourself Informed:

    Having a cashless health insurance policy doesn’t mean you can have all your ailments treated. Like every other health insurance policy, a cashless one too will have a list of diseases and procedures that it will cover. So, before actually buying a policy, take a look at what it covers and what it doesn’t and then and only then should you make a decision

    Check the Network Hospitals:

    The main reason why cashless policies are rising in popularity is because treatments are available across a string of hospitals. As a policyholder, your first instinct should be to check how good the network hospitals are. If you are satisfied with the hospitals in the list and the services they offer, you should go ahead with the policy.

    Compare Similar Offers:

    While cashless policies are still in their infancy in India, there’s no dearth for insurers that provide them. Just like with every other thing you buy in your life, make sure to compare and evaluate cashless offers that fall under your price range. When you are evaluating offers, keep in mind aspects like network hospitals, illnesses covered etc. so as to take a more weighted decision.

    Don’ts:

    Like a yin for every yang, there are things you should and shouldn’t do when buying a cashless insurance policy. Here are a some of the things you shouldn’t do:

    Don’t Get Lured in with Big Names:

    While you may already know that traditional health insurance policies have limitations, the case with cashless policies is slightly more tricky. There are times when insurers try to lure you by listing out some big-name hospitals in their policy. Never fall into the trap as you may get a good hospital, but you may not get the treatment you are looking for.

    Don’t Skip the Fineprint:

    The thing with cashless health insurance policies is that, it’s not like the usual terms and conditions you see on the internet. Fineprints of insurance policies cover all the important details pertaining to a particular policy. So, rather than “agreeing” with the terms you don’t know anything about, read the entire document carefully so that you can elevate the problems with the insurer in case you come across some issues.

    Don’t Go for the Base Renewable Age:

    Renewable age in health insurance terms is the maximum age beyond which your policy will be voided. When applying, check if your policy has the highest renewable age it can offer.

    As mentioned earlier, cashless health insurance policies are still in its infancy in India. So, make sure to keep the aforementioned pointers in mind sifting through the best policy for you.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Do’s and don’ts of Cashless Health Insurance Policy Reviews

  • Page 1 of 46 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have choose this Hdfc insurance mainly because of convincing premium benefits . This policy covers Cashless hospitalization, pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits and the premium amount which am paying is quiet high , I make the payment through on line.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 17, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • Star Health Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 1
      , vadodara
      Reviewed on Jul 17, 2018
    • Bajaj Allianz Health Insurance
      "Useful Service"
      0.5 4.0/5 "Great!"
      I've an employer provided insurance policy with the Bajaj Allainz. The company is paying the premium, I do have a claim experience with the policy where I claimed 100% amount needed for the treatment. It was a cashless treatment and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 16, 2018
    • Max Bupa Health Insurance
      "Don't buy health insurance from Max Bupa"
      0.5 0.5/5 "Unacceptable"
      I have taken policy for brother. while playing he suffered from knee injury. During hospitalization doctor suggested for ligament operation. After that we applied for cashless but max bupa rejected cashless and suggested for reimbursement. After hospitalization we submitted all claim document. max bupa send message that within 21 days claim will approved. Now after 40 days also claim is not approved and showing Suspense status . after that i checked review from many website, i come to know that max bupa claim ration is zero. This is fake company who not settle any claim. Below are my claim details: Claim Number: 339012 Final Status: Suspense Claim Decision Date: Saturday, June 9, 2018 12:00 AM
      Was this review helpful? 1
      , pune
      Reviewed on Jul 12, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 12, 2018
    • review Health Insurance
      "Good to take the Health insurance policy"
      0.5 4.0/5 "Great!"
      I have a claiming experience. There is plenty of hospitals covered in Hydrabad area. The claiming experience is good and it was done within 15 days. I claimed the maximum amount of Rs. 25000 till now and i can claim upto 5 lakhs for me and my family. Cashless treatment facility is also treatment. The company will take care of premium amount and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2018
    • Star Health Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with Star health from last 2 years, i am not aware of the premium amount as my company pays it. It is a family health policy and the coverage value is Rs 4-5 lakhs. My claim experience was not up to the mark as they covered only 80% and it was a cashless treatment.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2018
    • HDFC Ergo Health Insurance
      "Very Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have not used the claim for the policy. The benefits is excellent with HDFC Ergo. I can claim the policy upto 3 lakhs if its exhausted i can avail more than 6 lakhs. I used to pay the premium of Rs. 3500 per years. The cashless treatment is available and its a ax benefitable policy. I have already recommended many of my friends
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2018
    • New India Health Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I never called the customer care service of New India insurance people. I have a claim experience twice. It is easy to claim by using the New India. I can claim upto 1 lakhs since the coverage amount for the same. I have taken this insurance for my family also. I can avail a cashless treatment. They covered everywhere means most of the hospitals in the city. I used to pay the premium of Rs. 22000 per year.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 02, 2018
    • Star Health Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the Star health Insurance. I Can contact agent directly, claim processing easy . They offer excellent service. I've availed cashless treatments. For the surgery of my father I even claimed 4 lacs which was a best experience. Overall I am really impressed with their services.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 27, 2018
    • Apollo Munich Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      From APOLLO MUNIC i have a corporate health insurance and they provide a coverage for 10 lakhs. I have not done any claim with this policy. The provide treatment coverage for accident , critical illness. Its a cashless facility.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 27, 2018
    • review Health Insurance
      "Need to experience the policy"
      0.5 5.0/5 "Blown Away!"
      I have been using this policy for 2 years and i have never used the claim about the policy. The policy coverage for 7 to 8 lakhs. I think Rs. 10 K i have to pay premium amount. I have taken this policy for myself. Their is no pre-existing disease coverage not applicable. They have a very good high end hospital lists are covered. Its a cashless treatment is covered in their listed hospitals.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 26, 2018
    • Star Health Health Insurance
      "Good Health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I can claim upto 1 lakhs. Since it is a corporate claim policy hence it is easy to claim. My company offered this policy. Their is a cashless transaction is available. Most of the hospitals are covered in this policy. I never experienced of the claim. I had taken this policy 8 years before.
      Was this review helpful? 1
      , madurai
      Reviewed on Jun 26, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have choose this insurance mainly because of convincing premium benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits and the premium amount which am paying is quiet high , its get auto debited from my credit card .
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 25, 2018
    • New India Health Insurance
      "Health insurance "
      0.5 5.0/5 "Blown Away!"
      For my health insurance i get both cashless and reimbursement facility. Even though here is no claim have been done. The yearly policy premium is 12000. The policy with New India will give coverage for critical illness accidental and trauma.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 25, 2018
    • Star Health Health Insurance
      "Best Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      Cashless treatment is available only in cities. In other rural areas, i cannot claim the policy for cashless transaction. In rural side, i have to collect all the bill and claim the policy after i paid my bill. I have claimed the policy once for my father. I used to make the payment of Rs. 7500 for me and any wife. I have already recommended this policy to my friends. I can claim easily and i got the payment as soon as possible if i issue the documents properly.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. I would like to say that the coverage value is around three lakh Rupees. Cashless treatment is applicable there, so I have not faced any such claims with them as such.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Got the health insurance policy with the STAR HEALTH & ALLIED INSURANCE company around 3 years ago. This policy covers 4members in my family. This policy has the coverage amount up to Rs,2,00,000 and I am satisfied with it. The medical coverage and the cashless treatment options are good with the Star health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Cigna TTK Health Insurance
      "CHEATERS FRAUDS"
      0.5 0.5/5 "Unacceptable"
      CIGNATTK is scam and fraud company I have taken the policy in Jan 2016 where in one person who is insured did not have diabetes back then however ended up with diabetes by the year end. after paying three premiums and no claims for two years we were advised by Dr to take ANGIO and we applied for cashless. The team bluntly rejected stating that patient had diabetes for 4 years wherein all the documents submitted did not have any reference of the same. I have asked them to provide the document showing 4 years however they disconnected the calls. CUSTOMER SERVICE ONLY KNOWS HOW TO DISCONNECT CALLS WORST CIGNATTK I WANTED TO PORT BUT THE OTHER INSURANCE COMPANIES ASKED TO WAIT AND HENCE ENDED UP PAYING MONEY FROM MY POCKET WORST EXPEREIENCE WITH CIGNATTK
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    Common Loader Icon
    Page 1 of 46 1 2 3 4 5
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.