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"What is the process to file a Health Insurance claim? Complete checklist and Do and Don'ts"

The Health Insurance Claims come into place when direct payment or request for the reimbursement for medical service is obtained. When you give your insurance identification card for claim to the company it is not enough. This type of process can only be reimbursed if you made the payment from your pocket followed by the timely submission of the medical bills. The general process that needs to be followed to get the claim are mentioned below:
Process 1: To Obtain Personalized Bill-
The very first process for filing the claim is to get a bill in your name from the concerned doctor or medical assistant. The bill should have the list of all the services and the amount you have paid along with the unique code mentioned by the insurance company to get your claim. After getting the bill it is quite simple to give a call to the provider and inform about your claiming for health insurance. Henceforth the provider will forward your bill along with little other information like the medical service date and your full name.
Process 2: A Completed Claim Form-
It is documented form by which you give more information to the insurance company about the medical illness or accident that has happened. This form gives the idea to the company that the illness in questions is covered under it or not, so the elaborate the form is it is better for the claimant. All the forms have instructions and directions to be completed and where they need to send. For any other query the insurance company can be contacted.
Common points covered on claim form:
  1. Date of Birth, Name and address of the claimant.
  2. Information about insurance like group and policy number.
  3. The reason for doctor’s visit describing about the condition and background or if it is concerning you or other family member covered under group insurance.
  4. Doctor’s Name Address to be mentioned.
  5. If the pre-payment done then needs to be mentioned.
Do's One can attach more sheets to the claim form in order to explain each question.
Process 3: Keep a Copy-
It is always beneficial to keep a copy of the claim form so that you also have the correct information that you have provided to the company. And after submitting the form do keep the receipt as a proof that the form has been sent or been accepted by the insurance company as the case may be.
Process 4: Check and Proceed-
Once all the information is assembled and claim form is duly filled then check if all the requirements are completed then proceed and call the company and tell them about your sending the form. Do inquiry about the documents that you are sending and the information provided by you is complete or some other documents and additional information needs to be given.
So after being satisfied you send the completed from as it won’t get rejected. Mostly the forms have the address mentioned on them where you need to send them.
Process 5: Do Read the Fine Prints while waiting-
Generally the entire health insurance claim needs to be filed within 7 days from the date of discharge form the hospital. The company can reject the claim if the forms and documents are not as per their policy. And mostly the whole of medical expenses may not be covered by the company. Do read and get the clear picture of your health insurance policy. Hence after dispatching one can only wait and keep checks on the calendar keeping in mind the time the company gave to settle the claim when you called them up. If you do not get the claim in the given time call the company and take note of whom you spoke to date and time and his position in the company and the assurance given by him which you can use if further if more follow up are required.
Do's Don’t be shy in doing the follow up by the company after the claim form is sent to them to know that the documentation is complete or some additional things required. Or even if you are anxious to know that what amount you are going to get from the company.
Thus keeping the above points and reading the policy documents correctly one can claim for the health insurance and avail the benefits.
23, Townshend Road
Kolkata - 700025.
Principal Officer: Rahul Agarwal
+91 9830882728
Category Of Broker: Direct Broker
Date Of License: 24/08/2005
CIN: U 65929 WB2005PTC 101118
IRDA LICENSE NO : 310 (VALID UPTO 24TH AUG, 2017) is an online ventre of Ideal Insurance Brokers Pvt. Ltd, one of the leading insurance brokers of India. We are a eleven year young Insurance Broking company dealing in health insurance, motor insurance, fire insurance, travel insurance, Life Insurance and a whole lot of other insurance products. We work with the leading insurance companies like ICICI Lombard, Bajaj Allianz, Tata AIG, Religare, Bharti AXA, Apollo Munich Health Insurance to name a few. We understand the role of Health Insurance in any developing country. We deal in health insurance for people of all ages. We provide insurance for elderly also. Ideal Insurance is best known for the hassle free policy purchase and friendly assistance in claim processing. We help our customers with the best Claim settlement process in time of Insurance claim and ensure a hassle free experience. We have some leading corporates in India who trust us for their asset insurance.
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