Is Cashless Treatment Available Under Oriental Insurance?

Hello,

Yes, cashless treatment is available under Oriental Insurance. The company operates a network of empanelled hospitals across India where policyholders can access medical care without paying the entire admissible hospital bill upfront, subject to policy terms and approval.

HexaHealth can help you connect with hospitals for your treatment. Please share your treatment requirement and city so we can help you find a suitable hospital.

How to Avail Cashless Treatment Under Oriental Insurance

1. At Network Hospitals

• Planned Hospitalisation: Inform the TPA or the hospital's insurance desk at least 48 hours before admission.
• Emergency Hospitalisation: Inform the TPA or the hospital counter within 24 to 48 hours of admission.
• Documentation: Submit your Oriental Insurance cashless card or policy copy along with the patient's valid photo ID at the hospital's TPA desk.

2. At Non-Network Hospitals (Cashless Everywhere)

If you want treatment at a hospital outside the standard network, you must inform Oriental Insurance 48 hours before a planned admission or within 48 hours of an emergency admission. The insurer will review the request and may arrange a temporary cashless facility if the hospital agrees to its terms.

Key Benefits and Guidelines

• Pre-negotiated Rates: You benefit from treatment costs negotiated between the insurer and network hospitals.
• Approval Timelines: Under IRDAI guidelines, cashless authorisation decisions are processed within prescribed timelines, and final discharge approvals are handled within the applicable time limits.
• Exclusions: Cashless approval covers only admissible medical expenses. Personal comfort items, documentation fees and other non-medical expenses excluded under your policy may need to be paid directly to the hospital.

How to Check Oriental Insurance Network Hospitals

Visit the official Oriental Insurance Network Hospital Locator to check the available network hospitals.

Cashless treatment depends on your policy coverage, hospital network status and insurer approval. Cashless treatment at a non-network hospital is not guaranteed.

Wishing you and your family good health always.
Warm regards,
Team HexaHealth