Health insurance helps reduce your medical expenses by covering costs from planned or emergency hospitalisations. Claims can be made in two ways: Cashless or Reimbursement, depending on the hospital and policy terms.

A medical insurance claim is a formal request to your insurer (Bimakart) for policy benefits. You can opt for a reimbursement claim or use the cashless facility at partner hospitals for direct settlement.

In a cashless claim, Bimakart pays your hospital bill directly, provided you are admitted to a network hospital. This saves you from paying upfront and speeds up the treatment process.

With reimbursement claims, you first pay the hospital expenses yourself and later claim the amount from Bimakart. Reimbursement is processed based on your submitted documents and policy terms.