Cashless Health Insurance Online in India

Choose from Digit’s 6400+ Network Hospitals for your Cashless Treatment

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What is a Cashless Health Insurance?

A cashless health insurance refers to a health insurance that gives you the choice to opt for your required treatment, without having to pay any cash out of your own pocket. The costs of the same are directly taken care of between the hospital and your health insurer (us!)

For example: If you or a family member is affected with the coronavirus and needs to be admitted for treatment, a cashless medical insurance will ensure you don’t need to pay upfront for the costs of the same.

All you need is an approval from your health insurer or third-party administrator and the rest will be taken care of by your health insurer!

Cashless Health Insurance – Simplified further

Let’s understand this better with some context. So, usually what happens in a health insurance in India is that, when you need to make a health insurance claim because of an illness or accident - you can either opt for your treatment and later get your hospital bills reimbursed from your health insurer or, instead get approvals beforehand or at the time of admission (in case of an emergency) and go for a cashless claim; this means you don’t need to pay any cash up front and your hospital will directly take care of it with your health insurer.

Think of it like getting your hotel stay covered for by your company due to a partnership between your company and the hotel. Similarly, in a health insurance too, only hospitals that are part of your health insurer’s network (a.k.a have a tie up with your insurer), give you the option of cashless treatments.

At Digit, we have about 6400+ cashless hospitals across India where you will be able benefit from your cashless health insurance to opt for cashless treatments.

How does a Cashless Health Insurance work?

A cashless health insurance primarily comes to play when you need to make a claim. Here’s a glimpse through how it works, and how you can make a cashless claim in your health insurance.

Note: The following process is specific to Digit and the same may differ from insurer to insurer.

When you need to make a health insurance claim, choose any one of our 6400+ network hospitals as these are the only hospitals, you’ll be able to claim for a cashless treatment. Don’t worry though, cause we have a range of hospitals across India to choose from!
Let us know at least 72-hours in advance if you’re going for a planned hospitalization or within 24-hours in case of a medical emergency.
When you’re at one of our network hospitals, you will need to share your health e-card and ID proof with the hospital authority and get your pre-authorization form from the hospital.
After your forms are all filled and signed, ensure the hospital shares these forms to the Third-Party Administrator (mediator between the hospital and your health insurer)
The rest will be taken care of by your health insurer, i.e. us!

Digit's Cashless Network Hospitals

List of 6400+ Network Hospitals

What’s great about Digit’s Cashless Health Insurance?

Easy Online Processes - From the process of buying a cashless health insurance to making claims is simple, quick and hassle-free!
Additional Sum Insured Available - Specifically, for Accidental Hospitalizations and Critical Illnesses, at zero cost!
Covers Pandemics - The COVID-19 is growing multifold in India and we understand the risks it can pose to you and your family. Despite being a pandemic, the coronavirus is covered in our cashless health insurance.
No Age Based Copayment - Our cashless medical insurance comes with no age based copayment. This means, during your cashless claims- you need not pay anything from your pocket.
No Room Rent Restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent capping. You can choose any hospital room you prefer.
2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
Cumulative Bonus - A reward for staying healthy! Get yearly cumulative bonus for claim-free years!

What’s covered in a Cashless Health Insurance by Digit?

Hospitalization due to illnesses & diseases including the COVID-19	✔
Critical illness related hospitalization	✔
Hospitalization due to accidents	✔
Daycare procedures like cataract surgery, chemotherapy & radiotherapy	✔
Complimentary health checkups	✔
Organ donation required due to an illness	✔
Home hospitalization (domiciliary care)	✔
Psychiatric Illnesses	✔
Bariatric Surgeries	✔
Maternity – natural delivery and c-section operations Covered, If opted for this add-on in your health insurance policy.	✔
Alternate treatments (AYUSH) Covered, If opted for this add-on in your health insurance policy.	✔

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What are the advantages of a Cashless Medical Insurance?

No upfront cash payments!

The biggest and most important advantage of a cashless health insurance is the fact that, during health insurance claims you need not pay from your pocket. Otherwise, you’d have to shell out the money from your pocket and wait for reimbursements to process weeks later! When you or a family member is already preoccupied with an illness or medical emergency, the last thing you should have to worry about is the money, and a cashless health insurance helps you with just that.

No uncertainty

Since cashless health insurance claims require you to take an approval from before, this ensures that your claim is approved by your health insurer. However, in the case of reimbursement process – documents are only submitted post the treatment and bills are processed and there could be a possibility that the claim is not approved completely and hence there’s always the uncertainty whether you will receive the complete reimbursement or not. With a cashless health insurance claim, there’s no uncertainty involved.

Quick and hassle-free process!

While both cashless claims and reimbursement claims can be hassle free depending on the insurer and the processes involved, reimbursement claims in comparison do take slightly more time to get through. This is because unlike cashless claims, reimbursement claims are taken care of post whilst cashless claims are approved and taken care of right at the time of admission.

Difference between a Cashless claim and a Reimbursement claim?

As mentioned above, in a health insurance- there are two types of processes you can opt for during claims. A cashless claim or a reimbursement claim. Here’s a quick table to help you understand the key differences between the two!

	Cashless Claim	Reimbursement Claim
What does it mean?	A cashless claim means your health insurer will take care of the bills, right from the start with the network hospital. You don’t need to pay any cash up front.	In a reimbursement claim, you will have to first make all payments for your hospital bill and post hospitalization, your medical documents will need to be submitted for your claim approval and reimbursement.
Do you need prior approvals for claims?	You need to get your claim approved beforehand. At least 72-hours before in case of a planned hospitalization, and within 24-hours in case of a medical emergency.	You don’t necessarily need to get your claim approved beforehand. However, it is recommended to check with your insurer if your treatment will be covered or not, just to be sure. The reimbursement process is initiated after your treatment. Typically, the timeline to get all the formalities done is between 2 to 4 weeks.
Is it applicable in all hospitals?	Cashless claims are only applicable with your insurer’s network hospitals.	Reimbursement claims can be done through any hospital. It doesn’t matter if it is part of a network hospital or not.

FAQs about Cashless Health Insurance in India

✓ Do I need to opt for a cashless health insurance while buying a health insurance policy?

No, you don’t need to opt for it. It will already be included as a claim option within your health insurance policy.

✓ How to choose the best cashless medical insurance in India?

One of the primary reasons people buy a health insurance is because of the benefit of cashless claims. To choose the best cashless medical insurance, always look for features such as claim settlement process (to get an idea of how efficient your insurer is with cashless claims), number of network hospitals (more than the number, also check if hospitals you prefer are available in their network or not), processes (how simple or complicated it is), copayment (see whether your claims will be completely cashless or do you have to pay a percentage of the bill or not) and finally, check for the brand’s overall reviews and reputation and you’ll be able to make the right choice.

✓ How many network hospitals does Digit Insurance have?

Digit’s Health Insurance has 5900 network hospitals available across India for cashless claims.

✓ Do I have to pay anything from my pocket during a cashless claim?

This depends whether your health insurance comes with copayment or not. If it comes with a percentage of copayment, then at the time of claim you will have to pay a small amount from your pocket depending on your hospital bill (for example; if your copayment is 10%, you will have to pay 10% at the time of discharge and rest 90% will be cashless). However, if your health insurance has no copayment then you don’t need to pay anything from your pocket, as long as your hospital bill is less than your total sum insured available.

✓ Is OPD covered in cashless health insurance?

This depends on your health insurance policy chosen since some health insurers provide OPD benefit while some don’t.