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Insurer shall grant final authorisation within three hours of the receipt of discharge authorisation request from the hospital.

The IRDAI stated that in emergency cases the insurers must decide on cashless authorisation requests immediately.

The circular said, "To decide on cashless authorization requests immediately and within one hour and final authorization on discharge from hospital within three hours of request from the hospital." This, as in many cases, hampered processing can delay the eventual discharge and could increase the cumulative fee on account of an extended stay.

The Insurance Regulatory and Development Authority (Irdai) revoked 55 previously issued circulars and has issued a master circular providing strict timelines fo

The Insurance Regulatory and Development Authority of India has released a comprehensive master circular to improve inclusive health insurance and empower policyholders. The circular mandates that insurers decide on cashless authorisation within one hour and final authorisation on discharge from hospital within three hours of request

IRDAI revamps health insurance norms for policyholder empowerment, seamless claims experience, wider product choices, and no claim bonuses.

IRDAI also said policyholders should be provided wider choices by the insurers by making available products/add-ons/riders by offering diverse insurance products.

The master circular on Health Insurance products repeals 55 circulars issued earlier and it is a significant stride towards reinforcing the empowerment of policyholders and bolstering inclusive health insurance, Irdai said in a statement

The master circular pitches for striving towards achieving facilitation of 100 per cent cashless claim settlement in a time bound manner.

An insurer is liable to pay Rs 5,000 per day to the policyholder in case ombudsman awards are not implemented within 30 days.