Cashless Claim Facility
When health comes first, finances shouldn’t get in the way. At Narayana Health Insurance, our cashless claim process ensures that you or your loved ones receive medical care without worrying about upfront payments at the hospital.
What is a Cashless Claim?
A cashless claim allows insured members to undergo treatment at any of our partner (network) hospitals without paying from their pocket. The hospital bills are settled directly by Narayana Health Insurance, in line with your policy terms and coverage.
How the Cashless Claim Process Works
Choose a Network Hospital Visit any hospital that is part of Narayana Health Insurance’s nationwide network.
Pre-Authorization Request
- For planned procedures, inform us at least 3–5 days in advance.
- In case of emergencies, the hospital’s insurance desk will immediately coordinate with us for fast-track processing.
Claim Review & Approval Our claims team will verify your policy coverage and send the hospital an approval (or request for further clarification).
Bill Settlement Once approved, the authorized claim amount is paid directly to the hospital. The insured pays only any non-payable or uncovered items, if applicable.
Cashless Claim Process in Health Insurance
Initiating
Insured contacts Network Hospital Insurance Desk with Health Card / Policy details
Submission
Hospital submits the duly filled Pre - authorization form to the Galaxy Health Insurance with policy details
Claim Processing
Claim processing as per policy terms and conditions
Decision
Approval / Query / Rejection / Denial
Claim Form
Cashless Claim Form
Need to initiate a cashless claim?
Click here to view and download the Cashless Claim Form