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Cashless Health Insurance Claims with Aditya Birla Health Insurance (ABHI)

Medical emergencies can be overwhelming. The last thing you should worry about is arranging money for hospital bills. With Aditya Birla Health Insurance (ABHI), our cashless claim process lets you get admitted to any of our network hospitals and focus entirely on your treatment while we directly settle the medical bills with the hospital.

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Cashless Claims

How to File a Cashless Claim with Aditya Birla Health Insurance

Here's a step-by-step guide to help you understand how cashless claims work, what documents are needed, timelines, and how to track your claim.

चरण 1
Inform Us About Your Hospitalization

Before admission, it's important to intimate your claim. This helps us coordinate with the hospital and avoid delays.

  • Planned hospitalization: Inform us at least 48 hours before admission.
  • Emergency hospitalization: Intimate within 24 hours of admission.

Way to inform ABHI:

  • Log in to the Activ Health App or ABHI Website
  • Click on Raise a Claim -> Claim Intimation
  • Select Type of Claim - "Cashless", Policy No, Member and Cover Name
  • Enter Hospital Details, Tentative Claim Amount, Name of Disease, Date of Admission & Tentative Date of Discharge and Submit.
  • Your Claim will get intimated, and you will get a Claim Intimation Number. You will be able to see this in Claims History
चरण 2
Get Admitted to a Network Hospital

Cashless claims are available in ABHI's network hospitals. Before admission, check if your hospital is part of our network through the Hospital Network Search Tool.

*But with Aditya Birla Health Insurance, you also get access to Cashless Anywhere – a feature that allows you to avail cashless treatment even at a non-network hospital, provided the hospital agrees to ABHI's terms and conditions.

This means you don't have to worry about upfront payments even if you're admitted outside our listed network.

At the hospital:

  • Go to the insurance desk
  • Provide your ABHI Health Card (eCard) [available in Activ Health App] and any valid government ID proof
  • Collect and fill in the Cashless Pre-Authorization Form (also downloadable from the ABHI website)
  • The hospital will submit this form and your initial medical reports to ABHI for approval
चरण 3
Pre-Authorization & Approval

Once the hospital submits your details:

  • ABHI verifies the request against your policy coverage
  • For planned admission: Approval is typically given within 1 hour
  • For discharge: Approval for final settlement is usually provided within 3 hours

You (or your family) will be updated via SMS/registered email about the approval status. You can also see the details of your Cashless Claim Status via Activ Health App.

चरण 4
Treatment & Billing
  • You undergo your treatment without paying upfront for covered expenses
  • ABHI settles eligible bills directly with the hospital
  • You only need to pay for : Any costs not covered by your policy T&Cs (expenses beyond your sum insured, or exclusions)

Tip: Always ask the hospital to explain which charges are covered under insurance and which are not.

चरण 5
Track Your Claim Status

Now you can know the live status of your claim anytime by tracking using:

Enter your Claim ID and your registered mobile number to check the live status.

आवश्यक दस्तावेज

To ensure a smooth process, the following documents are usually required at the time of admission:

Documents required at the time of admission:

  • Cashless Pre-Authorization Form (duly filled and signed)
  • ABHI Health Insurance Card (eCard) / Policy Number
  • Valid photo ID proof (Aadhaar, PAN, Passport, Driving License)
  • Doctor's consultation papers and admission note
  • Diagnostic reports supporting hospitalization

At the time of discharge, the hospital will send us :

  • Final hospital bill with detailed breakup
  • Discharge summary
  • Indoor case papers, nursing charts, and investigation reports

Claim Processing Timelines

To ensure a smooth process, the following documents are usually required at the time of admission:

Pre-authorization approval

Within 1 hour for admission requests

Interim requests

Within 1 hour

Discharge approval

Within 3 hours of receiving final bill from hospital

Why Choose Cashless Claims

लाभWhat it Means for You
No upfront payment with hospitalNeed to arrange large sums at admission — ABHI settles directly with hospital
Quick ApprovalsAdmission approval in 1 hour, discharge within 3 hours
Minimal PaperworkHospital shares most documents directly with ABHI
Transparent trackingReal-time updates via Active Health App, Website & notification via SMS & Email

Tips for a Hassle-Free Experience

  • Always check if your hospital is in ABHI's network before admission
  • Keep your ABHI eCard ready on the Activ Health App or fetch it through WhatsApp
  • Fill in the pre-authorization form accurately and completely
  • Carry valid photo ID proof of the insured person
  • Understand your policy inclusions and exclusions to avoid surprises

सहायता चाहिए?

ABHI is available 24x7 to guide you.

WhatsApp
8828800035
Phone
1800 270 7000

Activ Health App: Submit, track, and manage claims anytime

अक्सर पूछे जाने वाले प्रश्न

What is a cashless claim?

A cashless claim allows you to get treated at an ABHI network hospital without paying upfront. We settle the bills directly with the hospital.

What if my hospital is not part of the ABHI network?

In that case, you can still get your expenses reimbursed through the reimbursement claim process.

How fast is a cashless claim approved?

Typically, admission requests are approved within 1 hour, and discharge approvals are processed within 3 hours.

Do I need to submit documents myself?

For cashless claims, the hospital coordinates with ABHI directly. You only need to provide your ID, health card, and pre-authorization form.

What is Cashless Anywhere?

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