New health insurance rules: Cashless treatment now available at all hospitals!

Recent updates to health insurance regulations have significantly enhanced access to cashless treatment, now allowing policyholders to receive care at both network and non-network hospitals without upfront payments. Key changes include a streamlined claim process with a one-hour limit at admission and a three-hour limit at discharge, ensuring faster access to funds.

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The waiting period for pre-existing conditions has been reduced from four years to three, facilitating quicker coverage for chronic diseases. Additionally, Ayush treatments, including Ayurveda and Homeopathy, are now covered under health insurance policies, expanding treatment options for patients.

To avail these benefits, policyholders should first verify their health insurance plans for compliance with the new rules. The pre-authorization process remains crucial for cashless treatment; individuals must notify their insurer upon admission with necessary documentation, including medical reports and treatment estimates. In emergency cases, post-treatment authorization is available, requiring notification within 24 hours of hospitalization.

Furthermore, if you hold multiple health policies, you can combine them to cover a single hospital bill, maximizing financial coverage. These changes aim to provide better flexibility, reduce waiting times, and improve overall healthcare experiences for individuals and families, particularly in areas with limited access to network hospitals.