'Hassle free' = medical card = 'cashless' as oppose to reimbursement policies where you pay the medical bills 1st then claim back from insurance co.

Of course medical card policies are better but it is expensive (50% to 200% more then reimbursement policies).

Oso medical card can only be used in the ins. co.'s panel hospitals (some ins. co have very limited panel hos) while reimbursement you can go to any hospital since you pay 1st as if no insurance.