Health insurance plays a vital role in protecting your finances during medical emergencies. But
when it comes to making a claim, many people are confused about the different types of health
insurance claims and how they work. Knowing the right process ensures a smooth health
insurance settlement without delays.
At Jisha Finserv, we simplify financial solutions and help policyholders understand the
insurance claim process in detail. Let’s take a closer look at the main types of health
insurance claims you should know.
What is a health insurance claim?
A health insurance claim is a formal request made to the insurance company to cover medical
expenses as per the policy terms. Once approved, the insurer either pays the hospital directly or
reimburses the policyholder.
Types of health insurance claims
There are mainly two types of claims in health insurance:
1. Cashless Health Insurance Claim
- The policyholder does not have to pay the hospital bills directly.
- The insurance company settles the expenses with the network hospital.
- All you need to do is show your health insurance card and get pre-authorization.
- Ideal for planned treatments and emergencies in network hospitals.
Benefits of Cashless Claim:
✔ No out-of-pocket expense at the time of treatment
✔ Hassle-free settlement between hospital and insurer
✔ Quick and smooth process
2. Reimbursement Health Insurance Claim
- The policyholder pays all medical bills initially.
- Later, the bills and required claim documents are submitted to the insurance company.
- After verification, the insurer reimburses the expenses as per the policy coverage.
Benefits of Reimbursement Claim:
✔ Freedom to choose any hospital, not just network hospitals
✔ Claim applicable for both emergency and planned treatments
✔ Flexibility in getting treatment across locations
Step-by-step insurance claim process
- Notify the Insurance Provider – Inform the insurer immediately about hospitalization.
- Choose Claim Type – Cashless (if in network hospital) or reimbursement.
- Submit Documents – Bills, reports, prescriptions, and claim form.
- Verification by Insurer – The company reviews and validates the claim.
- Settlement – Direct payment to hospital (cashless) or reimbursement to policyholder.
How Jisha Finserv assists in health insurance claims
At Jisha Finserv, we guide clients through every step of the insurance claim process.
Whether it’s a cashless claim or a reimbursement claim, our experts ensure quick approvals,
proper documentation, and hassle-free claim settlements.
We aim to provide financial security and peace of mind when you need it most.
Conclusion
Understanding the types of health insurance claims helps policyholders make better
decisions during medical emergencies. Whether you prefer the convenience of a cashless
claim or the flexibility of a reimbursement claim, knowing the process ensures stress-free
treatment.
For expert support in filing your health insurance claims, trust Jisha Finserv — your reliable
partner in financial services.
