Don’t Wait in Hospital: Cashless Insurance Claims in 2025 Have Now Become Faster!

Availing cashless insurance claims in 2025 has become easier. Health insurance is meant to make hospital visits easier, but delays in claim processing can be stressful. To improve your experience, the Insurance Regulatory and Development Authority of India (IRDAI) has introduced strict timelines for cashless claims. This ensures you spend less time waiting and more time focusing on recovery.

Expected Timeline of Availing Cashless Insurance Claims in 2025 

As per government data, about 87% of pre-authorisations and 97% of final approvals are processed timely. This means most policyholders can rely on quick approval and hospital discharge. 

As per the latest rules: 

• Pre-authorisation: Insurers must approve your request within 1 hour of receiving it.
• Final authorisation: The claim must be fully approved within 3 hours of the hospital sending a discharge request.

If there is any delay beyond these timelines, insurers are required to cover additional hospital charges. During treatment, if a policyholder dies, insurers must settle the claim immediately and release the body without delay.

When to Go to Bima Bharosa Portal?

Sometimes issues can arise, such as delayed approvals or disputes with the insurer. In such cases, you can file a complaint via the Bima Bharosa portal, which is linked to insurers’ complaint systems.

• Complaints must be resolved within 14 days.
• If you are not satisfied with the response, you can escalate the matter to the Insurance Ombudsman, either online or in person.

Using these channels ensures your complaint is tracked and addressed efficiently.

Read more: FM Nirmala Sitharaman Urges Global Cooperation on Tax Transparency Amid Digitalisation.

Conclusion

Time-bound cashless claim rules make hospital visits less stressful and speed up the insurance process. Knowing the timelines and using the Bima Bharosa portal when needed helps you get your claims settled smoothly. By being aware of your rights, you can focus on your health while insurers handle the financial side.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.