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A STUDY ON CASHLESS INSURANCE CLAIM

Mrs. Suji U 1, Ms. Neethu M 2

1Assistant professor, Department of hospital administration, Dr. N. G. P. Arts and science college, Coimbatore, India

2Student, Department of hospital administration, Dr. N. G. P. Arts and science college, Coimbatore, India

Abstract: Cashless insurance claim systems have revolutionized the healthcare and insurance sectors by offering a streamlined and hassle-free process for policyholders to receive medical treatment without the need for upfront payments. This system enables insured individuals to avail of healthcare services at network hospitals, where expenses are directly settled by the insurance provider. The primary objective of a cashless insurance claim system is to minimize the financial burden during medical emergencies, reduce paperwork, and improve the overall efficiency of claims processing. This abstract outlines the key components of such systems, including third-party administrators (TPAs), insurer-hospital networks, pre-authorization procedures, and digital claim tracking. The study also highlights challenges such as policy exclusions, delayed approvals, and the need for technological integration to ensure transparency and faster service delivery. As digital healthcare advances, the cashless claim process is expected to become even more user-centric, making healthcare more accessible and less stressful for patients.

Keywords: Healthcare, Insurance, Insurance provider.