Insurance company will reimburse the hopitalisation cost in a non-network hospital subject to all documents being in order and only up to 70%
In case of multiple covers or even individual policies, it's better to go for cashless facility. Pick an insurer with wide scope of network hospitals
Insurance companies use third party administrators to settles cashless claims availed by the policyholders during planned or emergency hospitalisation
TPAs have a helpline number that can be availed by policyholders or family members for any queries related to claim filing.
Makes sure to collect your unique TPA card from the employer after the health insurance policy is issued under your name