Cashless vs reimbursement: what to choose at admission

Cashless is the default for any planned hospitalisation at a network hospital. Reimbursement kicks in for emergency admissions or non-network hospitals — you pay out-of-pocket and submit bills later.

Cashless flow

1. Inform the insurer or policyVent's claim helpdesk before admission (or within 24 hours of an emergency).
2. The hospital fills the pre-authorisation form and faxes/emails it to the insurer's TPA.
3. The TPA approves an initial cashless limit — usually within 30-60 minutes.
4. The hospital bills the insurer directly. You only pay for non-medical items (food, attendant, deductible).