Aditya Birla Health Insurance Co. Limited

The very first thing that you need to do is to locate a network hospital of the insurance company. Every insurance company has tied up with health providers in which you can avail cashless treatment. You can locate the network hospital on the website of the company or by contacting Paybima. Aditya Birla Health Insurance has tied up with leading hospitals which will help you to locate one very easily

After locating a network hospital, you can get yourself admitted to the hospital by showing your health card and ID proof.

For the approval of your cashless claim, you are required to fill, sign and submit a pre-authorisation claim form to the insurance company to initiate the claim process. You can download the pre-authorisation claim from the website of the insurance company or can take it from the insurance desk of the hospital. The pre-authorisation claim form is to be filled with correct details so that there would be no issues at the time of settlement of the claim. Submit a pre-authorisation claim form at least 3 to 4 days before your plan admission to the hospital. You can submit a pre-authorisation claim form within 24 hours in case of emergency hospitalization

The insurance company will verify your details and approve your cashless settlement of claim if all your documents and details are correct. The insurer can reject the cashless settlement of the claim in which case you can file for reimbursement.

Once approval has been received by the hospital, the hospital will proceed with the treatment and all the bills will be directly settled by the insurance company.

If your cashless claim has been rejected or if you get hospitalized in a non-network hospital then your claim would be settled on a reimbursement basis. In such cases, you will have to inform the insurance company about the claim before your planned hospitalization. In case of emergency, you can inform after admission but before discharge from the hospital. All the hospital bills are to be settled by you which on discharge are to be submitted to the insurance company along with the claim form. The company would access your claim and reimburse the costs incurred.