Depending on the situation and your policy coverage, you can make two types of health insurance claims:
Cashless: The essence of cashless hospitalization is that the insured need not make an upfront payment to the hospital at the time of admission. You may not have any out-of-pocket expenses towards hospitalization in this scenario. Cashless hospitalization can be availed only at a Medi Assist network hospital and upon approval of your pre-authorization application.
Reimbursement: A reimbursement claim is one where you pay all the expenses related to the hospitalization of the insured and claim a reimbursement of your expenses after discharge. Reimbursement claims may be filed in the following circumstances:
- Hospitalization at a non-network hospital
- Post-hospitalization and pre-hospitalization expenses
- Denial of pre-authorization for the cashless facility at a network hospital.
