- Cashless Hospitalization: This option enables customers to save time spent on rushing around to arrange funds for the treatment. Customers do not have to spend money out of their pocket. Apollo Munich tie-up with network hospitals so that when a policyholder is hospitalized, he/she can focus on healthcare and not the cost involved in it. The insured can get treated by just flashing his/her ‘Healthcard’. The medical centre then contacts Apollo Munich Health Insurance or the TPA directly and settles the payment liable.
- Claim Reimbursement: Apollo Munich also offers compensation of the amount spent by the individual/family on the treatment acquired. The individual has to fill up certain forms, and then submit several documents to the TPA after which Apollo Munich would settle the claim on the basis of the health insurance policy terms and conditions. Details of the documents to be submitted are available on the company website, and so is the claim form.
In case any help or guide is needed while filling out the forms, or while trying to avail cashless hospitalization, one can call the Apollo Munich helpline (number is given on their website). Claims are settled in accordance with the terms and conditions of the policy. The time taken to settle claims is minimal.
Sometimes pre-authorization can be taken. This only further speeds up the process, and ensures that the customer is not mislead and has not misunderstood the terms and conditions governing this form of claim reimbursement.
my friend has claimed from Apollo Munich. and i know that he found it very easy. he could not use a network hospital for some reason and so went to his regular hospital where he had his operation. later he got the claim settled.
ReplyDeleteI always prefer to go for cashless hospitalizatin,as it keeps me away from raising cliams. Apollo Munich has a wide network of hospital. so, its cutsomers would not face any problem at the time of availing medical treatment.
ReplyDeleteI like the idea of cashless treatment. Will use it when I have to. I too have an Apollo Munich plan. and the cashless option was one of the reasons i bought it.
ReplyDeletei have claimed from Apollo Munich twice, and both times it was easy and fast...
ReplyDeleteCashless facility is very convenient, I have used it myself. But I ahve heard from my friend that Apollo Munich is very efficient with its reimbursement also.
ReplyDeleteI have used cashless. Felt as if I am getting free treatment, as I didnt even have to look at the bills.
ReplyDeleteGood information to share.
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