Cashless medical insurance provides excellent benefits. it's become more helpful, when an individual must be hospitalized in an emergency condition. Although, there are some non-medical part which the patient's party will need to pay, but not in such crucial time, it'll be paid during the time of discharge, after sanctioning the remainder of the quantity by the insurance firm the maximum amount as possible. But, before the whole payment, a previous approval from TPA is taken.

Let's discuss about the process of getting Cashless Treatment

Process of Cashless facility:-
Planned Hospitalization

In this type of case, there's a bit or enough time for you, to decide on the hospitals within your network chain, as during this case your physician provide a previous advice to you regarding your admission within the hospital. In planned hospitalization, the patient has enough time near about 3 or 4 days minimum, to finish the required formalities regarding admission within the hospitals like filling up Pre Authorization Form.

Things you need to keep in your mind

*Go through the list of Network Hospitals which is attached to the policy documents. If it seems as a posh task, it'll be suggested to call in the toll free number which is inscribed on your Insurance card. It helps you to attach with adjacent and conducive network hospitals.
*Submit insurance card then complete
*Pre Authorization Form- is a data sheet, which is out there at a hospital's insurance desk or within the website of Insurance company- TPA. Once this form is filled first by the patient and so by hospital representative, then it's assigned to undergo the TPA then TPA either approves or denies as per the previous rules and norms.
*After that the remainder of the form are going to be completed by the associate physician or medical professional.
*Then, insurance desk on the behalf of hospital authority will fax it (the form) to TPA.
*The TPA will approve or reject the appliance, consistent with their rules and regulations.
*Now, you would like to attend for the response of TPA.
*If the form is accepted by TPA, an authorization letter alongside some initial amount are favoured to the hospital.

In Emergency Hospitalization

While it's a crucial time, then the treatment is important as early as possible. In such cases, there's a previous permission to start out the whole procedure within each day span to avail cashless facility.
Things you need to keep in your mind

Quite almost like Planned Hospitalization, as during this case also, you would like to present insurance card and submit others document including in the pre-authorization form.
The insurance desk, then submit the whole documents for approval. If there's not enough time in some critical cases, then it's advised to deposit cash at that point then reimburse the expense later.
Naturally, 6 hours were taken to approve such emergency case and at that point it's the hospital's responsibility to stay constant track unless getting status from TPA.