Cashless Claims

As per the updated IRDAI guidelines, cashless claims are no longer restricted to network hospitals. You can now get cashless treatment at any hospital, including non-network ones, provided the hospital is not delisted or excluded and agrees to the insurer’s terms.

Cashless pre-authorisation is the process where a policyholder submits a pre-authorisation form to the insurer or TPA (Third-Party Administrator) to get approval for cashless treatment.

The insurer or TPA reviews the medical details provided and processes the request after verifying the information related to the illness or injury. Based on the evaluation, they confirm the approval or rejection of cashless treatment in writing or through other communication channels.

As per the latest IRDAI guidelines, insurers are required to decide on a request for cashless authorisation immediately, and not more than one hour from the time they receive the request. This ensures faster access to treatment and minimises delays during hospitalisation.

You can easily track your cashless claim by following these simple steps - 

• Visit our health claim status page.

• Enter your policy or claim number, date of admission/incident/loss and the captcha code.

• Click on "Track Now" to see the current status of your claim.

Yes, cashless claims can be rejected for various reasons, including incomplete/incorrect documentation, non-covered treatments or delays in pre-authorisation.

To avoid this, understand your policy, choose eligible hospitals and submit a duly filled pre-authorisation form. If rejected, you can still opt for reimbursement by submitting the required documents to us for claim processing.

In a cashless claim, your insurer settles the hospital bill directly with the hospital so you do not pay upfront (except for non-covered expenses). In a reimbursement claim, you pay the hospital first and later submit the required documents to the insurer to get your money back. Cashless claims are faster and more convenient, especially during emergencies.

Yes, cashless health insurance premiums qualify for tax deductions under Section 80D of the Income Tax Act. You can claim up to ₹25,000 for premiums paid for yourself, your spouse and dependent children. If you are a senior citizen, this limit increases to ₹50,000.

You can also claim an additional deduction of up to ₹25,000 for premiums paid for parents, irrespective of their dependence status. If your parents are senior citizens, this limit increases to ₹50,000.

Pre-existing conditions may be covered after a waiting period, depending on the terms of your policy. All our plans impose a certain waiting period before you can claim your IndusInd Health Insurance for treatment of pre-existing illnesses.

We advise you to review your specific health insurance policy documents to determine the waiting period for your plan. This can help you determine your eligibility for coverage for pre-existing conditions.

Yes, under the Insurance Regulatory and Development Authority of India (IRDAI) guidelines, you can port your health insurance policy to another insurer. The new insurer must provide coverage without a loss of benefits, such as the waiting period for pre-existing conditions, but certain conditions apply.