First, find a networked hospital through your insurance company's website.

Notify your insurer or third-party administrator (TPA) about your claim.

Fill out a pre-authorization form for cashless claims, available at the hospital or on the insurer's website.

For a cashless claim, you must have these documents kept ready:

Submit the pre-authorization form:

The hospital's TPA/insurance department manages the process.

It is only after the initial approval, does the treatment begin.

Ensure the hospital submits bills in advance to avoid any discharge delays.

The final approval is based on submitted documentation.

Once approved, pay any pending non-payable amounts directly to the hospital for discharge.

If the claim is denied, the insurer provides a reason, and you can file for reimbursement.