How it works

The problem

A cashless claim fails at the worst possible moment. You arrive at a hospital believing your policy is accepted, and the insurance desk tells you the arrangement lapsed, or that your procedure is excluded, or that pre-authorisation needed to be filed a day earlier. By then you are already there, already admitted, and paying out of pocket.

Insurers publish network lists, but they go stale, they rarely say what is excluded, and they never say when the entry was last checked. Hospitals publish even less. The information exists — it is simply scattered, undated, and written for the insurer rather than the patient.

What we do

We collect hospital–insurer relationships from insurer network lists, hospital insurance desks, and reports from people who have actually presented a card. Each relationship is stored as its own record with its own verification date, source and confidence score — because a hospital being well-documented overall says nothing about whether the claim on one specific insurer is current.

What the labels mean

Every hospital–insurer pair carries one of five cashless states:

• Cashless available — we have confirmation that this hospital accepts this insurer for cashless treatment.
• Partially cashless— cashless applies to some admissions only. The exclusions are shown alongside, in the source's own words.
• Not cashless — we have confirmation that cashless is not available. You would pay and claim reimbursement afterwards.
• Cashless suspended — an arrangement existed and is currently withdrawn, usually over a billing dispute. These are reinstated as unpredictably as they are pulled.
• Unknown — we do not have confirmed information.

That last state matters more than the others. “Unknown” is never rendered as “no”. A missing record and a confirmed refusal are entirely different facts, and collapsing them is how someone skips a hospital that would have taken their card.

Confidence and freshness

Each record shows a confidence score from 0 to 100 and the date it was last checked. A record verified nine months ago is not evidence about today, so after ninety days we stop presenting a check as current and label it “may be outdated”.

Confidence rises with corroboration: an insurer's own published list, a hospital confirmation, and consistent reports from patients each raise it. A single unverified report does not.

What this cannot tell you

Nothing here is a guarantee of cover on the day you arrive. Hospital–insurer agreements end without notice and neither side announces it. Your policy also has terms we know nothing about — waiting periods, sub-limits, room-rent caps, exclusions specific to your plan, and whether your premium is current.

This directory tells you where to look and what to ask. The hospital insurance desk and your insurer's toll-free line are the authorities. Call before you travel — that is the single most useful thing this site can tell you to do, and it is why the desk number sits at the top of every hospital page.

Corrections

If something here is wrong, telling us fixes it for the next person, who may be reading it in a hospital lobby. Write to support@cashlessundo.com or use the contact page.