When you have a cashless policy, you don’t have to pay for medical treatment upfront at the hospital or worry about large bills later. This can be incredibly helpful in an emergency when your focus needs to be on the patient.

In cashless health insurance, the insurer is partnered with select hospitals that agree to let the company settle patient bills. A form signed by both parties — authorised by a doctor — is required before admission. The TPA then issues an Authorisation or Denial letter spelling out coverage for planned or emergency procedures.