After clamping down on hospitals allegedly overcharging patients holding cashless mediclaim policies, insurers have started restoring such facilities selectively. Still, the incident highlights the need to be careful while selecting a health policy which offers cashless hospitalisation. Currently, insurance companies and hospitals are attempting to standardise the rates charged by hospitals. In regular health insurance, the hospital issues a bill, which is settled by the patient, and the insurance company reimburses the amount later. In cashless mediclaim, patients can be hospitalised and treated without any cash payment. The insurance company pays the sum directly to the hospital. Hospitals which are ...

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