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 48 1 2 3 4 5
    • Reliance General Health Insurance
      "Good policy"
      0.5 2.5/5 "Just OK"
      I took health insurance from Reliance insurance . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. This policy covers benefits of rs 1lakhs . Overall am satisfied with this policy as its been paid by Company
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 06, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospital . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 05, 2018
    • HDFC Ergo Health Insurance
      "BEST POLICY "
      0.5 5.0/5 "Blown Away!"
      I have chosen this health 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 satisfied , Am making the payment through online
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 05, 2018
    • Oriental Insurance Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From Oriental health insurance i have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospitals . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 04, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Hdfc ergo Am satisfied with the premium amount which am making the payment , i don't have claim experience . But this policy hold benefits of cashless hospitalization and network of hospital. Their customer explained the policy very well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 04, 2018
    • Royal Sundaram Health Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I took health insurance from Royal sundram insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre dieases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits This policy covers benefits of rs 3 lakhs where the money gets auto debited monthly rs 600 from the account.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 04, 2018
    • ICICI Lombard Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      This insurance policy had been taken through the company which i am working and it is a good beneficial policy where they also have cashless treatment. There are many hospitals which are covered in my locality as well. There has not been any claims made so far and there has not been any hassles so far.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 03, 2018
    • Cigna TTK Health Insurance
      "Worst fraud company "
      0.5 0.5/5 "Unacceptable"
      IT professional pls dnt buy this policy it's total waste and you will end up losing ur money at the end of the day. Cash less payment it's all fake. You will end up paying extra amount in hospital. If u say cashless treatment pls do not buy this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 01, 2018
    • HDFC Ergo Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken health insurance form Hdfc ergo .Am satisfied with the premium amount which am making the payment yearly . Their customer representative explained the benefits and features of the policy . They have given the list of network hospitals and health card also. This policy covers cashless hospitalization and pre disease coverage . I make the payment through net banking .
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 25, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have chosen this health insurance from Hdfc ergo 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 satisfied , Am making the payment through online
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Aug 25, 2018
    • National Insurance Health Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      I have chosen this health 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 satisfied , Am making the payment through online
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 22, 2018
    • Star Health Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      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? 2
      , coimbatore
      Reviewed on Aug 22, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From Religare health insurance i have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospitals . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 22, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with ICICI Lombard from last 121 years and it is one of the good policy to use. I pay a premium of Rs 5800 for this insurance policy and it covers only individual. My claim experience was good, they covered 90% and it was cashless treatment. The coverage valye is up to Rs 4-5 lacs.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 21, 2018
    • United India Health Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with United India Insurance. The policy is for my family and I and there are no hassles to buy the policy. I have had claim experience as well and there is a cashless facility as well. The premium is also good. Overall no issues.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Aug 21, 2018
    • review Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the Aditya Birla health Insurance Co. I am paying a premium of 4000, this policy is only for me as I have employer provided group medi-claim for the entire family. I do have a claim experience with the policy where I availed a cashless hospitalization benefits of 2 lacs.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 13, 2018
    • Bajaj Allianz Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Bajaj Allianz from last 2 years, i am happy with the coverage value of this insurance policy. They cover up to Rs 5 lakhs for this insurance. My claim experience was good and they covered 40% of the billed amount and it was a cashless treatment.
      Was this review helpful? 1
      , pune
      Reviewed on Aug 09, 2018
    • Apollo Munich Health Insurance
      "Very Good policy"
      0.5 5.0/5 "Blown Away!"
      They are very good in settlement and i have never had any claim experience so far. I can claim the money upto Rs. 4 lakhs. I have taken the policy for me and my family. The hospital list mentioned in the policy is good and the maximum hospitals covered by this policy. Cashless treatment is also available. Premium amount is paid by my company.
      Was this review helpful? 0
      , jaipur
      Reviewed on Aug 02, 2018
    • Oriental Insurance Health Insurance
      "Satisfied health insurance policy"
      0.5 5.0/5 "Blown Away!"
      They have provided the very good services. They have not deducted any un-respected amount. I can use the policy upto 85000. I had a claim experience with oriental insurance in the year of 2016. I'm paying the premium of Rs. 16000 per day for my family. The customer care people also given a proper response. The hospital list was good and the cashless treatment also available.
      Was this review helpful? 2
      , mumbai
      Reviewed on Aug 01, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Royal Sundaram from last 1 year, I pay a premium of Rs 7500 for this insurance policy. The coverage value of this insurance policy is 3 lakhs. My claim experience was good and they covered 75% of the billed amount but it was not cashless.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 31, 2018
    Common Loader Icon
    Page 1 of 48 1 2 3 4 5

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.