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Cashless treatment at any
hospital of your choice

What is Cashless Facility?

Previously, a medical emergency came with a momentous extra step: checking whether the nearest hospital is on your insurer's network list. If it was not, you paid upfront and chased reimbursements later. That’s definitely not ideal.

Cashless health insurance fixes that.

What It Is

A facility that allows cashless treatment at any hospital across India, not just hospitals on your insurer's pre-approved network list.

How Settlement Works

The insurer still coordinates directly with the hospital and settles the admissible bill. Your role stays the same: just present your policy details and get the pre-authorisation form filled.

What You Need to Do

Inform your insurer within the required timeframe (48 hours before a planned admission, 24 hours after an emergency), and ensure the hospital accepts the cashless facility.

Freedom from Network Hospital Limitations

Ended dealing with an emergency in a city you do not know, or rushed a family member to the nearest hospital at midnight: these are not situations where you have time to cross-check a network list. With Cashless Everywhere, you do not have to.

Whether it is a specialist centre your doctor referred you to, a hospital your family has always used, or simply the closest one in an emergency, the choice is yours with cashless insurance. Coverage travels with you, and the only requirement is that the hospital accepts the cashless treatment facility.

Your Preferred Hospital, Your Choice

Choosing where to get treated is a personal decision, and your cashless policy should support that, not restrict it. With Cashless Everywhere, you are not limited to a list when it matters most.

When hospitalisation is coming up or has already happened, open the IL TakeCare app and let the team know. That is really all the legwork on your end. The cashless benefit kicks in, and from there, the focus is entirely on treatment. At discharge, the bill goes straight to the insurer. You sign, you leave. That’s the beauty of cashless medical insurance!

Advantages of Choosing Cashless Everywhere Hospitalisation

The Cashless Everywhere facility extends the benefits of regular cashless health insurance with added provisions. Here’s how it helps:

  • No deposit required at admission

    Many hospitals ask for an upfront deposit before treatment begins. With Cashless Everywhere, that requirement is off the table.

  • Your hospital, your call

    Any hospital that accepts the cashless treatment works. No cross-checking a network list before making a decision.

  • No reimbursement paperwork

    The insurer settles directly with the hospital. There are no documents to collect, compile, or submit after discharge.

  • Works anywhere in India

    At home, travelling, or in a city you have never been to before: the benefit applies everywhere.

  • Faster discharge

    Without billing coordination on your end, the discharge process is quicker and less stressful.

  • One less thing to worry about

    When the financial side is handled, recovery gets your full attention.

How to Avail the ICICI Lombard Cashless Everywhere Service

The Cashless Everywhere service is available across all ICICI Lombard health insurance policies. Here is how to use it.

Note: The availability of the Cashless Everywhere facility depends on individual hospital terms and conditions and whether the hospital accepts it. Contact ICICI Lombard directly if you need help identifying suitable hospitals near you.

FAQs

What is pre-authorisation?

Pre-authorisation is the approval process where the hospital submits your treatment details to ICICI Lombard or their TPA before or at the time of admission. Once reviewed and approved, an authorisation letter is issued to the hospital confirming the coverage amount. For planned admissions, this should be initiated at least 48 hours in advance. For emergencies, it must be submitted within 24 hours of admission.

Is a cashless claim always approved?

A cashless claim is approved when the treatment is covered under the policy, the claim is filed within the required timeframe, and the information provided is accurate and complete. Claims can be rejected if the treatment falls under an exclusion, the waiting period has not been completed, or the pre-authorisation form contains incorrect or incomplete details.

What happens if a cashless claim is rejected?

If a cashless claim gets rejected, you can still pay the hospital bill upfront and file a reimbursement claim post your discharge. Keep all your documents, including medical bills, discharge summary, prescriptions, and investigation reports, ready for submission. If you think the rejection was wrong, you can raise a dispute through ICICI Lombard's grievance redressal process.

Do I need to inform the insurer before admission?

For planned hospitalisations, inform ICICI Lombard at least 48 hours before admission. For emergencies, do it within 24 hours of being admitted. Delayed intimation is one of the most common reasons cashless claims hit a snag, so flagging it early through the IL TakeCare App is always the better call.

Is cashless better than reimbursement?

A cashless claim is generally more convenient because the insurer settles the bill directly with the hospital, with no upfront payment required from the policyholder. Reimbursement claims require the policyholder to pay upfront and submit documentation after discharge, which can take longer to process. For most situations, cashless is the simpler and faster route, particularly in emergencies.

What documents are required for a cashless claim?

For cashless claims, your health insurance card or policy details are the essentials. The hospital fills in the pre-authorisation form and sends it to your insurer on your behalf.

    

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