Cashless insurance ka matlab ye nahi ki sab kuch free hai. Discharge ke waqt non-medical charges aur room rent cap ki wajah se bade bills ka jhatka lag sakta hai. Emergency se pehle policy ka fine print samajhna bahut zaroori hai.
Bahut se log 'cashless' insurance ko ye samajhte hain ki hospital ka sara kharcha insurance company uthayegi. Lekin sach ye hai ki ye sirf ek payment ka tarika hai, full cover ka guarantee nahi. Isme insurance company direct hospital se settle karti hai taaki aapko apni jeb se paise na nikalne pade, par ye sirf unhi kharchon par apply hota hai jo aapki policy mein cover hote hain.
Billing counter par milta hai jhatka
Discharge ke time patient ko tab shock lagta hai jab unhe pata chalta hai ki bahut saare charges insurance company pay nahi kar rahi. Isme PPE kits, masks, gloves, aur registration fees jaise 'non-medical' items hote hain. Ye cheezein treatment ka part nahi maani jaati, isliye aapko apni pocket se pay karni padti hain.
Room rent ka game
Zyada tar policies mein room rent par cap hoti hai, jaise sum insured ka 1%. Agar aapne usse mehenga room liya, toh insurance company Proportionate Deduction rule laga deti hai. Iska matlab hai ki surgeon fees aur medicine ke kharche bhi ussi ratio mein kat jaate hain. Result? Aapka claim amount kaafi kam ho jata hai.
Deposit aur settlement ka chakkar
Cashless facility hone ke baad bhi hospitals admission ke time deposit maangte hain, kyunki unhe risk rehta hai ki claim reject na ho jaye ya bill limit se bahar na chala jaye. Jab final bill banta hai aur insurance company kam pay karti hai, toh wo bacha hua paisa patient ko hi bharna padta hai.
Seekh kya hai?
Emergency mein tension se bachne ke liye pehle hi apni policy check karein. Co-payment (jahan aapko bill ka kuch percent khud dena padta hai) aur Deductibles (fixed amount jo aapko pehle pay karna hota hai) ke baare mein zaroor jaanein. Cashless facility sirf ek convenience hai, apna contingency fund hamesha ready rakhein.