Cashless Everywhere

Cashless Everywhere – Narayana Health Insurance Limited

What is the Cashless Everywhere Facility?

Cashless Everywhere is a feature that allows Narayana Health Insurance policyholders to avail cashless treatment at any hospital across India, even if it is not part of our pre-approved network.

Key Benefits

Pan-India Coverage

Seek treatment at any registered hospital in the country—public or private, networked or non-networked.

No Advance Payment

Medical expenses will be settled directly with the hospital, subject to the policy’s terms and admissibility criteria.

Emergency & Planned Treatments Covered

Whether it’s an unexpected admission or a scheduled procedure, this facility ensures a seamless experience.

Freedom of Choice

Even in towns or cities with no network hospital, you’ll still receive cashless care, provided eligibility conditions are met.

Exclusion Safeguards

Hospitals that are blacklisted, flagged by the IIB (Insurance Information Bureau), or fail to meet basic licensing standards are excluded from this facility.

Cashless Claim Process in Health Insurance

1
Pan-India Coverage

Pan-India Coverage

Seek treatment at any registered hospital in the country—public or private, networked or non-networked.

2
No Advance Payment

No Advance Payment

Medical expenses will be settled directly with the hospital, subject to the policy’s terms and admissibility criteria.

3
Emergency & Planned Treatments Covered

Emergency & Planned Treatments Covered

Whether it’s an unexpected admission or a scheduled procedure, this facility ensures a seamless experience.

4
Freedom of Choice

Freedom of Choice

Even in towns or cities with no network hospital, you’ll still receive cashless care, provided eligibility conditions are met.

5
Exclusion Safeguards

Exclusion Safeguards

Hospitals that are blacklisted, flagged by the IIB (Insurance Information Bureau), or fail to meet basic licensing standards are excluded from this facility.

How to Use the Cashless Everywhere Facility

Steps

Action

1

Planned Admission: Notify us at least 72 hours in advance via email to preauth@narayanahealth.insurance or call our helpline 1800 203 0234

2

Emergency Admission: Inform us within 24 hours of admission by phone or email with complete treatment and hospital details

3

The hospital must comply with the definition of a registered healthcare facility. A consent letter is required from non-network hospitals agreeing to process the cashless claim

4

Complete the Pre-Authorization Form, signed by both the insured and hospital, along with identity proof and supporting medical records

5

Our claims team will verify hospital credentials and review treatment details for admissibility

6

If eligible, the approved amount will be directly paid to the hospital. If declined, the policyholder can opt for a reimbursement claim post-discharge

Mandatory Documents

All documents must be legible, properly arranged, and submitted within the specified timelines.

Please submit the following at the time of cashless request:

S.No

Details

1

Photo ID proof of the insured (Aadhaar, PAN, etc.)

2

Doctor’s prescription on official letterhead with recommended treatment

3

Completed and signed Pre-Authorization Request Form

4

Consent letter from non-network hospital accepting cashless processing

5

Hospital registration and license details (if required)

Downloadable Forms

Claim Icon
Consent Letter – Cashless Everywhere
Claim Icon
Pre-Authorization Form – Cashless Everywhere

Important Notes

  • The hospital must not be blacklisted or under restriction as per the IIB or Narayana Health Insurance internal compliance systems
  • The facility is subject to medical necessity, coverage limits, and exclusions under your policy
  • Narayana Health Insurance reserves the right to approve or decline any request based on eligibility and documentation
Contact for Cashless Everywhere

Helpline: 1800 203 0234

Email: preauth@narayanahealth.insurance

Registered Office:

Narayana Health Insurance Limited

No. 258/A, Bommasandra Industrial Area, Anekal Taluk,

Bangalore – 560099, Karnataka, India