List of Network Hospitals Eligible for Cashless/Direct Payment Facility: Click Here
Lifestyle Benefit Network (up to 45% Discount on selected services): Click Here
WHAT IS COVERED
WHAT IS NOT COVERED (EXCLUSIONS)
Medical expenses incurred for conditions having a waiting period of 24 months of continuous coverage:
*Please read the policy wording document for detailed terms and conditions of this insurance policy.
Claim submission guideline: Download
1. Cashless/Direct Payment Process
Cashless/Direct Payment will be applicable only at the network hospitals of the insurance company.
If you receive treatment from a network hospital, the insurance company will pay pre-authorized eligible treatment charges directly to the hospital. You do not need to worry about the bill payment. You will only need to pay any costs or fees not covered under your insurance policy.
To enjoy a cashless/direct payment facility, you must notify the insurance company before admitting to the hospital. If the hospitalization is due to an emergency medical condition, you should inform the insurance company within 48 hours of admission.
Send an email to ihealth@pragatilife.com by providing the following information to raise a Guarantee of Payment:
2. Reimbursement Process
When your treatment cost is not pre-authorized, or there is any out-patient or pre and post-hospitalization cost, in that case, you need to pay for the charge by yourself and then claim the expense for reimbursement. You should submit reimbursement claims within 7 days of discharge from the hospital.
Fill up the claim form and submit it to the insurance company/Bimafy for reimbursement.
Claim form: Download