Cashless vs reimbursement: what to choose at admission
By Editorial Team· 2 June 2026· 4 min read
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
- Inform the insurer or policyVent's claim helpdesk before admission (or within 24 hours of an emergency).
- The hospital fills the pre-authorisation form and faxes/emails it to the insurer's TPA.
- The TPA approves an initial cashless limit — usually within 30-60 minutes.
- The hospital bills the insurer directly. You only pay for non-medical items (food, attendant, deductible).
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Editorial Team
Independent insurance writers and former product managers from leading insurers — focused on plain-English explainers, no marketing fluff.
Published 2 June 2026· 4 min read
