Health Insurance Claims Demystified: Cashless vs. Reimbursement
Cashless Claims vs. Reimbursement Claims in Health Insurance
In health insurance, claims can be processed through cashless claims or reimbursement claims:
Cashless Claims allow policyholders to receive treatment at network hospitals without upfront payment. The insurer directly settles the bill with the hospital, providing immediate access to healthcare services.
Reimbursement Claims require policyholders to pay for medical expenses upfront. After treatment, they submit a claim to the insurer along with necessary documents (like bills and discharge summaries) to get reimbursed for eligible expenses.