New IRDAI health insurance rules for cashless claims:

Here are ten key points from the article on the new IRDAI health insurance rules for cashless claims:

1. *100% Cashless Claims*: The Insurance Regulatory and Development Authority of India (IRDAI) is implementing a system for 100% cashless health insurance claim settlements nationwide. This eliminates the need for policyholders to pay out-of-pocket and seek reimbursements later.

2. *Faster Settlement Time*: The new rule mandates that cashless claims be settled within three hours of receiving the request, significantly speeding up the current process.

3. *Universal Implementation*: The goal is to ensure this system is available at all hospitals, including those in tier II and rural areas, increasing accessibility and convenience for all policyholders.

4. *Reduction of Waiting Periods*: The waiting period for pre-existing diseases has been reduced from four years to three years, allowing earlier access to coverage for these conditions.

5. *Inclusive Coverage*: Insurers are now prohibited from denying policies to individuals with severe pre-existing conditions like heart disease and cancer, promoting inclusivity in the health insurance sector.

6. *Support for Senior Citizens*: Insurers are required to offer customized plans and a dedicated support channel for senior citizens to address their specific needs and grievances.

7. *No Sub-limits on AYUSH Treatments*: The new regulations remove sub-limits on AYUSH treatments, allowing full claim amounts for treatments under Ayurveda, Yoga, Naturopathy, Siddha, Unani, and Homeopathy.

8. *Moratorium Period Reduction*: The moratorium period has been reduced from eight years to five years, after which insurers cannot deny claims based on non-disclosure or misinterpretation of pre-existing conditions, unless fraudulent.

9. *Multiple Claims Allowed*: Policyholders can now file multiple claims across different insurers, provided they have benefit-based policies, enhancing flexibility and coverage options. 

10. *Promotion of Universal Health Coverage*: The IRDAI's initiative is part of a broader strategy to achieve universal health insurance coverage by 2047, aligning with India's centenary of independence.

These changes by IRDAI aim *to streamline the claims process, increase transparency, and enhance the inclusivity and reliability of health insurance in India*.

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