What are the substitutes for Cashless facility of health Insurance sector ?

Yes, there are alternative solutions for the cashless facility of health insurance that offer similar benefits. Here are some examples:

Reimbursement-based policy:
Instead of offering cashless facility, health insurance companies can offer reimbursement-based policies. In this type of policy, the policyholder pays for the medical treatment and later submits the bills to the insurance company for reimbursement. While this may require the policyholder to have sufficient funds upfront, it can reduce the administrative burden for hospitals and insurance companies.
Direct billing:
Some insurance companies offer direct billing, which is a variation of the cashless facility. In this model, the hospital directly bills the insurance company for the medical treatment, and the policyholder pays only the deductible or copay. This can reduce the administrative work for hospitals and policyholders, and provide quicker access to medical services.
Group insurance:
Employers or other organizations can purchase group insurance policies for their employees or members. These policies often offer cashless facility and may provide a wider range of coverage options at a lower cost. This can benefit both the policyholders and hospitals, as the insurance company can negotiate better rates with hospitals due to the higher volume of patients.
Health savings accounts (HSAs):
HSAs are tax-advantaged accounts that can be used to pay for medical expenses. Policyholders can contribute pre-tax dollars to their HSA account and use the funds to pay for medical treatment. This can provide a level of financial flexibility for policyholders and reduce the burden on hospitals and insurance companies.

Overall, there are alternative solutions available to the cashless facility of health insurance that can provide similar benefits. The choice of solution will depend on the needs and preferences of policyholders, hospitals, and insurance companies.