Cashless Health Insurance
Cashless health insurance is a convenient and efficient way to manage medical expenses without the need for upfront payments. Under this system, the insurance company directly settles the hospital bills with the network hospital, allowing policyholders to focus on their recovery rather than financial concerns. This type of insurance is particularly beneficial during emergencies, as it eliminates the hassle of arranging funds or dealing with reimbursement processes. Cashless health insurance plans typically cover a wide range of medical expenses, including hospitalization, daycare procedures, and pre-and post-hospitalization costs. By opting for a cashless health insurance policy, you can ensure access to quality healthcare without the stress of immediate financial burdens.
Why Choose Star Health Insurance?
<p>As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.</p>
Star Advantages
Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
Claims
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2hrs and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Hospitals
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. Approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situation/accident expenses are covered up to stabilisation.
Star Advantages
Claims
Hospitals
Cashless Health Insurance
A medical emergency can seriously affect your finances. In addition to the emotional pain, you may have to fork out your savings for hospitalisation and medical care expenses. This is where the Health Insurance plan will come to your rescue during a medical emergency and comes in handy.
What is cashless Health Insurance?
Cashless health insurance plans for family eliminates the need to pay cash at the hospital when you or your family member is hospitalised, and the claim is admissible/payable as per the policy terms. The Insurance company takes the onus to ease your burden of hospital bills and ensures the payment directly to the hospital.
Types of Cashless Health Insurance
Individual Health Insurance: This policy is designed to cover a single individual against medical expenses due to illness, injury, or hospitalisation. It includes benefits like hospitalisation, pre and post-hospitalisation expenses, and ambulance charges.
Family Floater Health Insurance: A single policy covers the entire family under this plan. It includes the policyholder, spouse, children, and sometimes dependent parents. The total sum insured is shared among all members.
Senior Citizen Health Insurance: Specifically designed for individuals aged 60 and above. This plan takes into account the unique healthcare needs of seniors, including coverage for pre-existing conditions, higher hospitalisation benefits, and critical illness cover.
Group Health Insurance: Usually provided by employers to their employees. This plan covers a group of people under one policy and offers benefits like hospitalisation, pre and post-hospitalisation expenses, and sometimes maternity coverage.
Critical Illness Insurance: This policy provides a lump sum payment if the insured is diagnosed with a specified critical illness like cancer, heart attack, or stroke. The payout can be used for treatment, recovery, or any other expenses.
Maternity Health Insurance: Covers maternity-related expenses, including delivery charges, prenatal and postnatal care, and newborn baby cover. Some plans also cover expenses related to complications during pregnancy. Check complete information on maternity insurance here.
How does Cashless Health Insurance work?
Mr Raj having a Health insurance policy, met with an accident and was admitted in a network hospital for the treatment of an accidental injury. Upon hospitalisation, he shares the policy details and valid ID proof with the Insurance desk in the hospital to avail Cashless facility. On the admissibility of the claim and approval given to the hospital, Mr Raj leaves the hospital peacefully without the burden of paying the hospital bill.
Network Hospitals
Network Hospitals are the major aspect of a cashless Insurance Policy. Insurance companies have a direct network with a particular set of hospitals. The policyholder is not eligible for cashless hospitalisation for that specific treatment if they receive medical care at a hospital that is not included in the list of Network Hospitals.
Hospitals empanelled with the Insurance company are called Network hospitals, and the insured can avail cashless facility for inpatient hospitalisation.
Key differences between cashless claims and reimbursement claims
| Aspect | Cashless Claims | Reimbursement Claims |
| Payment Process | The insurer directly settles the bill with the hospital. | The policyholder pays the hospital bill and claims a refund from the insurer. |
| Ease of Access | Quick and hassle-free, especially in emergencies. | Requires substantial paperwork and waiting. |
| Advance Payment | No advance payment needed from the policyholder. | Full bill payment in advance to be paid by the policyholder. |
| Cash Flow | Does not affect the policyholder's cash flow. | Affects the policyholder's cash flow initially. |
| Hospital Network | Limited to network hospitals tied up with the insurer. | Can avail treatment at any hospital, network or non-network. |
| Documentation | Minimal documentation at the time of hospitalization. | Extensive documentation required during the claim process. |
| Claim Approval | Pre-authorization required before treatment. | Claim approval is done after submitting documents post treatment. |
| Time Factor | Immediate access to treatment with pre-authorization approval. | Potential delay in processing and reimbursement. |
| Suitability | Ideal for emergency and planned treatments in network hospitals. | Suitable when treated in non-network hospitals or when policyholder has cash. |
Benefits of Cashless Health Insurance in India
1.Immediate Access to Healthcare: With cashless health insurance, you can get treated immediately without worrying about paying hospital bills upfront. This is crucial during emergencies when every second counts.
2.Financial Relief: Medical treatments can be expensive. Cashless insurance takes away the stress of arranging funds for hospital deposits or immediate payments, reducing the financial burden on you and your family.
3.Hassle-Free Process: Cashless insurance simplifies the entire process. The insurer directly settles the bill with the hospital, so you don't have to deal with paperwork, save for some minimal documentation.
4.Wide Network of Hospitals: Most insurers have a vast network of hospitals across India. This means you have multiple options to choose from, ensuring that you receive quality care wherever you are.
5.Cost-Effective: Cashless policies often cover more than just hospital bills, including pre and post-hospitalisation expenses, ambulance charges, and even check-ups, making it a comprehensive and cost-effective option.
6.Peace of Mind: Knowing that you have coverage that takes care of financial aspects allows you to concentrate on recovery and well-being without constant worry about expenses.
The Hidden Pandemic: Financial Stress from Medical Bills
In recent years, financial insecurity caused by medical expenses has been a silent epidemic in India. According to reports, over 60% of Indians dip into their savings or borrow money when faced with a medical emergency. Even though insurance has been available for decades, it is only now that the pressing need for accessible, reliable coverage has hit home.
For millions of families, the question isn't whether they should buy insurance—it's about the type of health insurance that can safeguard them during a crisis. Enter cashless medical insurance. This system has evolved from an essential convenience to a cornerstone of financial planning, especially for middle—and lower-income households.
The Shift in Healthcare Philosophy
Cashless medical insurance isn't just a product; it's a paradigm shift in how we think about healthcare. Traditionally, many viewed health insurance as a safety net for significant surgeries or hospitalisations. However, the ongoing pandemic and the rise of chronic diseases have led to a new narrative. Now, it's not just about catastrophic events—it's about protecting your future health sustainably and hassle-free.
In the wake of the COVID-19 crisis, we witnessed firsthand how financial strain compounded the suffering caused by health problems. The very act of paying upfront for hospitalisation and treatment—something most people don't budget for—became an obstacle that delayed or even denied access to vital care. This is where cashless medical insurance has demonstrated its relevance.
How Cashless Medical Insurance is Changing the Landscape
While the process of cashless insurance itself may seem straightforward—hospital bills are settled directly by the insurer to network hospitals—what's truly revolutionary is how it aligns with emerging trends:
Digitization of Healthcare: The digital transformation of healthcare has made it easier for people to access medical records, consultations, and treatment histories online. Cashless medical insurance benefits from this transformation, streamlining the claims process. Hospitals and insurers use digital platforms to process claims quickly, reducing paperwork and improving transparency. This allows policyholders to receive medical treatment across India without worrying about financial logistics.
Telemedicine and Remote Monitoring: The pandemic accelerated the growth of telemedicine, but it also changed the scope of medical insurance. For example, telemedicine consultations are often covered under many cashless policies. For chronic patients, the rise of wearable health monitoring devices (like heart rate monitors and glucose trackers) means that cashless insurance doesn't just cover the physical hospital visit—it extends to real-time health management, making it a holistic solution for individuals.
Mental Health Awareness: Most insurance plans once neglected mental health services. However, as awareness about mental health increases, insurance companies are starting to include mental health coverage in cashless plans. This marks a departure from traditional health insurance models, ensuring that policyholders get access to necessary treatments without the burden of paying upfront.
Integration with Wellness Programs: Beyond hospitalisation, some cashless policies include preventive health services—vaccinations, wellness check-ups, and health screenings are now part of many packages. By integrating insurance with wellness initiatives, cashless medical insurance is transitioning from a reactive tool to a proactive one that helps policyholders avoid potential health issues.
Why Cashless Medical Insurance is Critical for India's Future
Rural Outreach: Historically, rural India has faced challenges accessing quality healthcare due to infrastructure gaps and the inability to afford treatment. With its expanding network of hospitals, cashless medical insurance enables individuals in remote areas to access quality healthcare without the upfront financial burden. More than 70% of hospitals are now part of the network of major insurers, meaning rural citizens no longer have to worry about whether they can afford treatment. This is a massive leap forward in equity and accessibility.
Improved Hospital Infrastructure: The surge in demand for cashless treatment has led hospitals to enhance their infrastructure and processes. The increasing involvement of insurance companies has made hospitals more accountable, pushing them to ensure quicker approval and transparency in billing. This, in turn, benefits policyholders, who now experience more streamlined service.
Adaptation to Post-COVID Healthcare Needs: The pandemic highlighted gaps in public healthcare systems and the importance of having private insurance as a backup. COVID-19 cases saw hospitals swamped, with patients sometimes facing huge bills due to extended treatment durations. Cashless medical insurance played a pivotal role by allowing immediate treatment without the patient worrying about finances—especially for those not covered under government schemes.
Financial Planning and Security: In today's uncertain world, health insurance is no longer a mere add-on but a necessary financial tool. Families, particularly the younger generation, recognise the long-term security of cashless medical insurance. With rising healthcare costs and longer life expectancy, young adults are increasingly investing in plans that will cover their healthcare expenses well into their old age, as it provides financial security and peace of mind.
What Needs to Improve?
Despite the apparent advantages, there's still room for improvement in the cashless insurance sector. Awareness remains a significant challenge; many individuals still don't fully understand the specifics of their policies. Also, network hospital limitations can sometimes be a barrier in rural areas, even though efforts are being made to broaden these networks. Finally, integration with non-hospital care, such as home healthcare and outpatient treatment, could be the next frontier in making cashless medical insurance comprehensive.
The Road Ahead
The future of cashless medical insurance lies in its continued evolution. As health systems become more interconnected and digitised, insurance models will become more integrated with tech-based solutions, offering quicker, more comprehensive patient care. Cashless medical insurance is positioned to be at the heart of India's healthcare revolution, whether through AI-enabled claim processing or the broader inclusion of outpatient services. In a post-pandemic world, where healthcare will continue to be a focus of government and private initiatives, cashless medical insurance is not just a trend but a revolution in how we think about health security.
Ways to avail a cashless Health Insurance Policy
On submission of the valid policy copy and ID proof to the Insurance desk, the hospital will provide further information and the treatment details in the Pre-authorisation form and send the same to the Insurance for processing cashless. Policyholders can file cashless health insurance claims for planned and emergency hospitalisations.
1. Planned Hospitalisation
When the Insured has been advised for Surgery which is planned for a future date, the insured can go to the Network Hospital and share the policy details and the necessary documents with the Insurance desk. The hospital will further send the documents along with the duly filled Pre-authorisation form to the Insurance company, and cashless approval will be authorised subject to the claim is admissible, and the approval is valid for 7 days from the date of approval.
2. Emergency Hospitalisation
When the Insured person is admitted for any unforeseen or unexpected illness in the Network Hospital and shares the policy details and the necessary documents with the Insurance desk. The hospital will further send the documents along with a duly filled Pre-authorisation form to the Insurance Company, and cashless approval will be authorised subject to the claim is admissible.
Common Exclusions in Cashless Health Insurance
1.Pre-existing Conditions: Many policies do not cover pre-existing conditions immediately after issuance of the policy. Coverage usually starts after a waiting period.
2.Cosmetic Treatments: Procedures like cosmetic surgery, weight loss treatments, hair transplants, and dental treatments not resulting from an accident are generally excluded.
3.Non-Medical Expenses: Items like registration fees, admission fees, toiletries, and other non-medical expenses incurred during hospitalisation are not covered.
4.Self-Inflicted Injuries: Injuries resulting from self-harm or attempted suicide are excluded from coverage.
5.Injuries Due to Alcohol or Drug Use: Any medical expenses arising from injuries or illness due to substance abuse are typically not covered.
6.War and Acts of Terrorism: Injuries or illnesses arising out of wars, acts of terrorism, or civil unrest are excluded from most policies.
7.Participation in Dangerous Activities: Injuries sustained while participating in adventure sports or hazardous activities are not covered.
8.Fertility Treatments: Expenses related to fertility treatments, such as IVF, are usually excluded from cashless health insurance plans.
9.Pregnancy and Childbirth: Normal delivery and prenatal and postnatal expenses might not be covered unless specified in the policy. However, complications arising from pregnancy might be covered by some plans.
10.Experimental Treatments: Treatments that are considered experimental or not yet accepted as standard medical practice might be excluded.
11.Over-the-Counter Medications: Non-prescribed medicines and other over-the-counter medications are typically not covered.
12.Alternative Therapies: Treatments such as Ayurveda, Homeopathy, Naturopathy, and other alternative therapies are often excluded unless specifically mentioned in the policy.
Beaware of exclusions
All the Health Insurance policies are subject to waiting periods for specified diseases / Conditions, for 1 year / 2 years, of pre-existing illnesses 36 Months, 24 Months, 12 Months and 6 months according to the policy opted by the Insured. Pre and Post-hospitalisation expenses are covered for specific days as stated in the policy.
Also check:- 25 Lakh Health Insurance Plan
Key considerations to keep in mind when filing a cashless health insurance
Know Your Network Hospitals: Always opt for treatment at hospitals that are part of your insurance provider's network to avail of cashless benefits.
Pre-Authorisation: Inform the insurance desk at the hospital and get a pre-authorisation form filled out. Submit this to your insurer at least 48 hours before a planned admission or within 24 hours of an emergency.
Keep Documents Ready: Ensure you have all necessary documents like your identity proof, policy card, pre-authorisation form, and any previous medical records ready for submission.
Check Coverage: Verify that the treatment you seek is covered under your policy. Some treatments and procedures may have waiting periods or need prior approval.
Coordinate with the TPA: Understand the role of the Third Party Administrator (TPA), and stay in touch with them for smooth processing and approvals.
Stay Within Policy Limits: Be aware of your sum insured and sub-limits for specific treatments to avoid out-of-pocket expenses.
Read Policy Terms: Thoroughly go through your policy's terms and conditions. Knowing inclusions, exclusions, and policy limits will save you from surprises later.
Follow-Up: Always follow up with both the hospital insurance desk and your insurer to ensure that there are no delays or issues with your claim processing.
Maintain Communication: Constant communication with your insurer and hospital can help resolve any unforeseen issues.
Expense Transparency: Keep a track of all expenses and ensure that they match what is billed to the insurer. In case of discrepancies, address them immediately.
Know more about:- 50 Lakh Health Insurance
Conclusion
Star Health Insurance has a huge network of 14,000+ hospitals across India. When you buy a Health Plan from Star Health Insurance company, you can avail cashless facility for admission in any network hospital across India. Over 97% cashless final approvals within 3 hours.
Enjoy peace of mind with health insurance cashless everywhere, ensuring coverage no matter where you are.
OUR CUSTOMERS
‘Happily Insured!’ with Star Health
<p>We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.</p>
Get Insured
Get Insured
Get Insured
Get Insured
Get Insured
My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
Tiji K Oommen
Thiruvananthapuram
Get Insured
https://web1.starhealth.in/customerportal/instant-buy
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
Vanishree
Bengaluru
Get Insured
https://web1.starhealth.in/customerportal/instant-buy
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Ramachandran
Chennai
Get Insured
https://web1.starhealth.in/customerportal/instant-buy
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
Shaila Ganachari
Mumbai
Get Insured
https://web1.starhealth.in/customerportal/instant-buy
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
Sudhir Bhaiji
Indore
Get Insured
https://web1.starhealth.in/customerportal/instant-buy
Looking for something else?
View all Plans
HELP CENTRE
Confused? We’ve got the answers
<p>We’re Star Health. We offer the coverage that’s designed to help keep you healthy. It's the care that comes to you, and stays with you.</p>
GET STARTED
Be Assured of the Best
<p>Get your future secured with us.</p>
Get a Call
Get Insured
Want more information?
Get a Call
/
Ready to get your policy?
Get Insured
https://web1.starhealth.in/customerportal/instant-buy
Related Health Insurance Products
Waiting Period For Health Insurance
/health-insurance/waiting-period-in-health-insurance/
Arogya Sanjeevani Policy
/health-insurance/arogya-sanjeevani/
Health Insurance 1 Crore
/health-insurance/1-crore-health-insurance/
Restore Benefit In Health Insurance
/health-insurance/restoration-benefit-in-health-insurance/
Health Insurance For Pre Existing Disease
/health-insurance/health-insurance-for-pre-existing-conditions/
Health Insurance Policy For Parents
/health-insurance/health-insurance-for-parents/
Health Insurance Emi Option
/health-insurance/health-insurance-on-emi/
Health Insurance Card
/health-insurance/what-is-health-insurance-card/
Is Piles Covered Under Health Insurance
/health-insurance/piles-cover-in-health-insurance/
Diabetes Health Insurance
/health-insurance/diabetes-health-insurance/
Fertility Insurance Coverage
/health-insurance/assisted-reproduction-treatment-in-health-insurance/
What Is OPD In Health Insurance
/health-insurance/opd-health-insurance/
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.