What is Cashless Medical Insurance?
As the name suggests cashless medical insurance is the kind of policy where the policyholder can receive good quality healthcare services without paying cash for the treatment. The hospitalisation expenses are taken care of by the insurance provider. The hospital and the insurance provider settle the bills between themselves. However, you can avail the cashless claim facility only if you are seeking medical treatment in one of the network hospitals of the insurance provider. If the hospital where you are seeking medical treatment doesn’t come under the network hospitals of the insurance provider, then you don’t have to follow cashless mediclaim procedure. In this case, you have to shell out money out of your pocket and the amount will be reimbursed by the insurance provider later on. You have to collect all the necessary bills and fill up the required forms and then submit to the insurance provider.
SBI General Medical Insurance policy is a cashless insurance policy that provides wide coverage at an affordable cost. It also offers a family floater option with which you get coverage for the full family under one mediclaim insurance policy.
Key highlights of the SBI General Medical Insurance policy:
●It offers wide coverage from Rs.50,000 to Rs.500,000.
●The SBI General medical policy offers cashless claim facility at over 6,000 network hospitals in 110 cities across India. The cashless mediclaim procedure is very simple. You just have to intimate SBI General and fill up a pre-authorisation form and give it to the hospital’s insurance desk. The hospitalisation at any of our network providers will be paid by SBI General directly. Here is the list of network hospitals where you can avail cashless claim facility. You can also call the call centre to find out the nearest network hospital.
●The insurance policy covers hospitalisation expenses which include room rent, boarding expenses and pre and post-hospitalisation expenses up to 30 and 60 days respectively.
● SBI General also offers family floater options with which you can get your whole family covered under one plan.
●No medical test required for people up to 45 years of age and without any medical history
●Tax benefits under Section 80D of the Income Tax Act, 1961
By buying SBI General health insurance policy, you will get wide health coverage, cashless claim facility, hassle-free settlement and many other benefits like lifetime policy renewal. To buy SBI General health insurance policy, visit https://www.sbigeneral.in/portal/health-insurance/health-insurance and click on ‘Buy policy’.