National Insurance Network Hospital

National Health Insurance network hospital - list is a comprehensive list of cashless (public-private network) hospitals across India. The list is available on the official website of the National Insurance Company.

By default, every Health Insurance Companies has a tie-up with multiple hospitals across the country for cashless facilities. A cashless facility is a feature under which you, as a policyholder, are not required to pay for the treatment expenses, medical bills, and hospitalization expenses from your own pocket. The entire bill is settled directly with the insurer via the Third Party Administrator or the company’s in-house claim settlement team. The Third Party Administrator or TPA is the intermediary between you and the network hospital.

Majorly there are three types of health insurance policies in India that see:

• Cashless Individual Health Insurance - This is a health policy cover that provides a cashless insurance facility to individual policyholders only. It can be availed across any network hospital as mentioned in the policy document.

• Cashless Family Health Insurance - As the name suggests, this is a health insurance cover that provides cashless features to the policyholder's entire family. Anyone of the family members can avail of the cashless facility at a network hospital by simply furnishing the insurance company's health card.

• Senior Citizen Cashless Health Insurance - A senior citizen, health insurance coverage policy, is designed for individuals over and above 65 years. Senior citizens have special needs. Keeping this in mind, this plan provides a cashless facility to all senior citizens with a senior citizen healthcare plan.

The scope of cover under a cashless facility varies from one insurance provider/plan to another. Here is a standard list of things that are part of a cashless facility.

• Covers expenses related to in-patient hospitalization for more than 24 hours
• You do not have to pay a single penny from your own pocket, provided you are admitted to a network hospital

• The cashless facility comes with No Claim Bonus

• Includes expenses related to emergency ambulance transportation and evacuation

• Offers hospital daily cash benefit

• Covers expenses related to pre and post hospitalization expenses, up to a certain period of time

• Provides cover for domiciliary treatment and organ donor/transplant expenses

Cashless facilities for National Health Insurance can be of great help in case you or any of your family members meet with an accident that requires emergency hospitalization. There might be an instance where you may not have sufficient money in your account to meet the hospital bills. Lack of funds means that you will have to take a loan and incur financial debt for the rest of your life. This can be avoided with the help of a cashless health insurance policy. It will help you make good use of your health cover and sum insured.

Note: All information has been sourced from the official website of the respective health insurance provider.

National Insurance Company has an extensive list of cashless network hospitals across India in the following cities:

1. Ahmedabad
2. Bengaluru
3. Chandigarh
4. Chennai
5. Coimbatore
6. New Delhi
7. Hyderabad
8. Indore
9. Jaipur
10. Kolkata
11. Mumbai
12. Pune

You can access the complete list (City-wise list of Private Public Network Hospitals) here: nationalinsurance.nic.co.in/en/health-insurance/city-wise-list-ppn-hospitals

National Insurance Company of India is one of India's oldest and leading public sector (state-owned) insurance providers. The company offers a wide range of insurance products such as Motor Vehicle Insurance, Personal Accident Cover, Householders' Insurance, Shopkeepers' Insurance, Life Insurance, Agricultural implements, Rural Insurance covering Livestock, Industrial & Commercial Insurance, Protection against fire and natural calamities and more.

Articles on National Insurance

• All About National Health Insurance Company
• Difference between National Insurance Parivar Mediclaim and Mediclaim Policy
• Claim process of National health insurance

To help you understand the same, we have created a step-by-step guide that will help you with the entire process of making a cashless claim at your nearby PPN hospital.

• A cashless claim can be availed in case of an emergency hospitalization or a pre-planned hospitalization

• You need to get admitted at a network hospital and furnish your cashless card and KYC details for pre-authorization by the insurer or its authorized TPA

• You have to duly fill the cashless claim application form with details from the network hospitals and TPA and send it to the insurer for authorization

• Your insurer will go through the relevant documents along with the medical information and cashless claim application form. Post verification, the pre-authorization letter will be issued to the hospital

• Once your treatment is complete, you only need to pay for non-medical and inadmissible expenses and sign the discharge card

• Note: If you are unable to provide the necessary medical bills and documents, the insurer has every right to reject your cashless claim application

In Simple Words,

A cashless health insurance policy cover will ease your financial burden. It is designed to help you in the toughest of times. With a cashless facility, you need not dip into your life-savings. In short, it is advisable to purchase a comprehensive national health insurance policy that comes with a cashless facility.