Cashless garages and network hospitals
In a cashless claim the insurer pays the garage or hospital directly, so you pay only what your policy doesn't cover, such as the deductible or non-payable items.
Cashless or reimbursement
Every claim is settled one of these two ways. Which one you can use depends on where you go.
Cashless
The insurer settles the bill with the garage or hospital directly. You pay only the parts of it your policy doesn't cover.
- Only at a garage or hospital in your insurer's network
- Needs the insurer's approval before the bill is settled
- You don't have to fund the repair or treatment yourself
Reimbursement
You pay the bill and claim the amount back from the insurer afterwards.
- Works anywhere, including outside the network
- Keep every original bill, report and receipt
- The insurer pays you once it has assessed the claim
How a cashless claim runs
Four steps, whether it is a garage repair or a hospital admission.
Call us first
Before you admit a patient or leave a vehicle for repair, check that the place is in your insurer's network.
Show your policy
Give the hospital or garage your policy number and photo ID so they can raise the cashless request.
Wait for approval
The insurer approves an amount in writing. Planned hospitalisation is usually pre-approved; emergencies are approved after admission.
Pay the rest
You pay only the amounts the policy doesn't cover. We check the deductions with you before you settle.
What a cashless settlement usually does not cover
These are general examples, not a list of exclusions. What applies to your claim is set out in your policy wording, and we go through every deduction with you before you settle.
Consumables
Items used up during the work: for a vehicle, things billed as consumables such as lubricants and small fittings; in hospital, items billed the same way. Some policies add them back through an add-on.
Your deductible or compulsory excess
The fixed amount the policy says you pay on every claim. It comes off the settlement whether the claim is cashless or a reimbursement.
Depreciation on replaced parts
Unless the policy includes zero-depreciation cover, the insurer deducts depreciation on the parts replaced and pays the rest.
Non-medical items in a health claim
Charges that are not treatment, such as administrative or registration items and personal expenses during the stay.