Cashless Claim | IRDAI Health Insurance New Circular 2024 Details Update | Health insurance cashless claims will be cleared within 3 hours: Insurance company will bear the expenses on delay in discharge, rules for health insurance claims changed.


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  • Cashless Claim | IRDAI Health Insurance New Circular 2024 Details Update

New Delhi1 hour ago

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Suppose you have been in the hospital for a few days. The doctor comes on rounds and declares you fit for discharge. Now you pack your bag to go home, when the hospital staff asks you to wait for some more time.

It turns from afternoon to evening, but you are not able to be discharged from the hospital because your health insurance claim has not been cleared yet. The staff says the hospital will not discharge you until the insurer signs the bills.

The staff says if it takes a few more hours you will have to spend another night in the hospital. This will also increase your hospital bill. This happens to many people every day. People become fit, but have to wait for hours for discharge.

IRDAI issued master circular
In view of this problem, Insurance Regulatory and Development Authority of India (IRDAI) has issued a master circular today i.e. on 29th May. In this, by repealing 55 circulars, all the rights of the policy holder in health insurance have been brought at one place.

IRDAI said that the insurance company will have to give final authorization within 3 hours of receiving the discharge request from the hospital. Due to this, under no circumstances can the policy holder be made to wait for discharge from the hospital.

If there is a delay of more than 3 hours in discharging the policy holder and the hospital charges extra, then the insurance company will bear that charge. The burden of this cannot be put on the policy holder.

The regulator said that in the event of death of the policyholder during treatment, the insurer:

  • Quickly process requests for claim settlements.
  • Get the dead body released from the hospital immediately.

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