People who are neither too rich to get a treatment from a high end hospital nor too poor to approach the health care schemes facilitated by the governments can now be benefited with a cashless insurance scheme in almost all good nursing homes. A new policy has been launched by the Association of Medical Consultants (AMC) under which insured patients do not need to visit tertiary-care hospitals to seek treatment for minor ailments such as an innocuous fever, treatment for piles and fissures, or surgery for hydrocele and hernia. The patients can get them treated at nearby health care center or a nursing home instead. The scheme is applicable to almost all nursing homes in Navi Mumbai, Bhayander, and Thane.
A cashless scheme helps patients avail best treatment for an ailment or disease without immediately paying the hospital bills during admission. The insurance company settles the dues and expenses with the hospital later on, on behalf of the patient. Health insurance companies usually have a tie up with renowned hospitals and good health care centers. The empanelled hospitals are termed Network hospitals. All the empanelled hospitals facilitate cashless schemes with a health insurance policy covering cashless mediclaim. The entire procedure is facilitated by the TPA (third party administrator) representing the insurance company who coordinates between the insurance company and the hospital. You need to have a word with your TPA Service to know the list of hospitals empanelled under your insurance company’s network. The TPA settles all claims between you, the hospital, and your insurance company for cash and cashless expenses. Prior to that, the TPA need to accept or deny your insurance claims.
You can even avail a cashless facility for the treatment of anorectal diseases. There are various Piles Doctors In Navi Mumbai who facilitate the cashless services for the patients admitted to their nursing homes. For this, the patients need to fill a pre-authorisation form providing details about the medical policy as well as policy number to the doctor. You can search for Best Piles Doctor In Mumbai to proceed your treatment with the cashless facility. Every cashless claim policy covers some basic expenses such as visitor’s fee for the Doctors, registration fee, cost of medication, charges for documentation, diet charges, toiletries, ambulance charges, and service charges. Also, your illness must be covered by your policy to claim an insurance.
You must keep the following things in mind while availing cashless facility for the treatment of anorectal diseases such as piles:
- Hospital should provide reasonable justification for the undergoing treatment
- Ensure that the hospital provides cashless services for piles treatment
- All documents must be submitted including all medical bills, lab reports, and discharge papers along with the claim form to the hospital before getting discharged
- Keep a copy of the documents with you for any future reference
- You can also apply for a reimbursement later from the insurance company
- You must read your cashless policy carefully to identify conditions excluding you from availing cashless facility