A cashless claim is a health insurance claim settlement process where, if you're treated at a hospital within your insurer's approved network, the insurer settles your medical bills directly with the hospital, meaning you don't have to pay the treatment cost out of your own pocket upfront and then seek reimbursement afterward.
This is generally far more convenient than a reimbursement claim, especially during a medical emergency, since it removes the immediate financial burden of arranging a large sum of money at short notice. To use this facility, it's important to check in advance whether your preferred hospitals are part of your insurer's network, and to keep your health insurance card or policy details handy, since cashless claims typically require prior authorisation from the insurer before or shortly after admission.