← How Insurance Claims Work · Lesson 1 of 3
Health claims: cashless and reimbursement
Cashless (network hospital):
1. Show the health card and ID at the hospital's insurance/TPA desk.
2. The hospital sends a pre-authorisation request to the insurer.
3. The insurer approves; at discharge, it settles the approved amount with the hospital.
Reimbursement (other hospitals): you pay the bills and submit the claim form, bills, reports, prescriptions and discharge summary within the time limit.
Inform the insurer or TPA as early as possible, usually within 24 hours of an emergency admission (check your policy).
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