Cashless everywhere: General insurance Council initiative for a seamless insurance experience

The General Insurance Council Initiative has introduced – "Cashless Everywhere" - a transformative move towards enhancing healthcare accessibility and affordability. At the heart of this initiative is providing access to a vast network of hospitals across the country for policyholders and redefining the way individuals experience health insurance. Let's understand more about "Cashless Everywhere" and its benefits.

Revolutionising healthcare with cashless everywhere

Below are some key points for revolutionising healthcare with cashless everywhere:

Streamlined hospital admission

Customers can now go to the choice of their hospital to avail treatment without being worried about its network status or pay out of pocket under reimbursement. Cashless facility can now be extended to the hospitals which are not in company’s network at the time of admission.

Gone are the days when traditionally policyholders had to worry about arranging funds for hospital admissions. Now, policyholders can access an extensive non-network of hospitals where they can avail of cashless services with the cashless everywhere initiative. This means that individuals can check into a non-network hospital without the need for immediate out-of-pocket expenses in the event of a medical emergency or planned hospitalisation.

Ease of cashless transactions

Cashless everywhere simplifies the payment process within and outside network hospital. Instead of the traditional model this initiative ensures a seamless and cashless transaction at the point of service. The insured individual will simply present their health insurance card at hospital and the intimation should be sent to the insurer/TPA 48 hours prior to the proposed date of admission and within or after 48 hours of admission in case of emergency treatment.

Expanding the hospital coverage

This expansion ensures access to quality healthcare services across a wide geographic area for policyholders. There are around 40,000 hospitals under the common network facilitated by GIC where insurer can provide cashless facility to the customer. The hospital details are available on our website. Please note the cashless facility is not applicable to excluded hospitals.

Reducing financial stress

Medical emergencies are often unpredictable and the last thing individuals need during such times is the stress of arranging funds for hospitalisation. Cashless everywhere addresses this concern by providing financial protection and the ability to provide access to cashless healthcare services for policyholders to focus on their health and recovery without worrying about immediate financial burdens.

Advantages of cashless everywhere for policyholders

Immediate medical attention

In critical situations, cashless everywhere help policyholders receive immediate medical attention without the delay associated with arranging funds. This swift access to healthcare services can significantly influence the outcome of medical treatments.

Enhanced affordability

The cashless everywhere not only eliminates the need for upfront payments but also enhances the overall affordability of healthcare. By promoting a proactive approach to healthcare management policyholders can confidently seek medical care without worrying about financial challenges.

Transparent billing process

The cashless everywhere initiative promotes transparency in healthcare billing. Policyholders receive detailed information about the services provided and the corresponding costs. This transparency builds trust by ensuring clarity in financial transactions.

In conclusion

Cashless Everywhere's integration represents a positive shift in Indian health insurance. This initiative is not only revolutionising the insurance sector but also encouraging a healthier and more secure society by empowering policyholders with immediate access to quality healthcare services without financial barriers. It holds the promise of transforming the healthcare experience for millions as the initiative evolves, making quality medical care an accessible and stress-free reality.

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