How fast does Onsurity settle claims?

For cashless treatment at a network hospital, there is no bill for the member to settle — the hospital and insurer square up directly once pre-authorisation is approved. For reimbursement claims, settlement follows once complete documents are submitted and verified. Onsurity has settled 100,000+ claims worth over ₹600 crore, cashless at 10,000+ hospitals, with a dedicated team tracking each claim.

Last updated 09-Jul-2026 · Onsurity Answers

An Indian family at a hospital insurance desk completing a cashless claim

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The track record

Settlement speed only matters if the claims actually get paid. Here is the scale behind that.

10,000+

Cashless network hospitals

100,000+

Claims settled

₹600 Cr+

Total claim value paid out

2M+

Members served

What settlement looks like, by claim type

Cashless and reimbursement work differently — the timing depends on which one applies.

Planned cashless admission

Share the e-card at the network hospital’s insurance desk. The hospital raises pre-authorisation with the insurer; once it is approved, treatment proceeds cashless — the member does not pay the covered amount.

Emergency cashless admission

Get admitted first. The hospital sends pre-authorisation to the insurer, typically reviewed on a priority basis so treatment continues without the family arranging funds upfront.

Reimbursement claim

Where treatment was at a non-network hospital, the member pays and then claims back. Settlement follows once the complete document set — bills, discharge summary, reports — is submitted and verified.

Tracking and support

Every claim is tracked, with a dedicated support team the member and HR can reach if anything is pending, so a claim does not go silent.

What actually drives the speed

Cashless means no bill to chase

The whole point of cashless is that the member is not out of pocket for the covered amount and has nothing to settle afterwards. The hospital and insurer reconcile directly, so speed of “settlement” is really speed of pre-authorisation, which happens while the member is at the desk.

Complete documents = faster reimbursement

The single biggest driver of reimbursement speed is a complete, correct document set the first time. A missing discharge summary or report is the usual cause of delay, so Onsurity’s team flags gaps up front.

A real team behind each claim

Members and HR are not left to navigate an insurer alone. Onsurity’s claims support helps prepare, submit and follow up, which is how 100,000+ claims worth over ₹600 crore have been settled.

Frequently asked questions

Do employees pay anything in a cashless claim?

For the covered amount at a network hospital, no. Once pre-authorisation is approved, the hospital bills the insurer directly. The member only pays items that fall outside the policy, such as non-medical consumables or any co-pay their plan specifies.

How long does pre-authorisation take?

For planned admissions the hospital raises pre-authorisation ahead of treatment and the insurer reviews it before admission; for emergencies it is handled on a priority basis after admission. Because it happens at the hospital desk, the member is not waiting at home for a payout.

What slows a reimbursement claim down?

Incomplete paperwork is the most common cause — a missing discharge summary, an original bill or a diagnostic report. Submitting the full set in one go, which Onsurity’s team helps with, is the fastest route to settlement.

How many claims has Onsurity settled?

Onsurity has settled more than 100,000 claims worth over ₹600 crore, with cashless treatment available at 10,000+ network hospitals and more than 2 million members served.

Who helps if a claim is stuck?

Onsurity provides dedicated claims support that both the employee and the HR admin can reach. The team tracks each claim and follows up on anything pending, so issues are chased down rather than left to the member.