Health Insurance plans give many benefits to the insured but claims must be fulfilled within time as there may appear lot of certain scenario in the emergency.
Generally, Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily. People are now-a-days fell ill often and pay a huge amount of money to get rid of that illness, for treatment n good hospitals etc. but spending so much for treatment is not a matter of joke as everyone has not that capability. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization.
But before getting the benefits from any health it is important to file a claim of the regarding health insurance plan which would be something that people basically don’t need to do in the time of any medical emergency. Instead of avoiding that, people should be focused on paying claims to avoid huge payment of bills in the time of emergency cases as it may be turned out very dreadful; so it is important to know the process of avoiding it by knowing the work of health insurance claims.
Health Insurance claim settlement procedure:
Before the claim settlement, the insured has to ensure that they preserve to all bills and receipts for healthcare treatment.
Always make two or three extra copies of every bill and receipt.
The starting of health insurance process is from acquiring the claim settlement from the insurance company.
The claim settlement process can be done online; just the users need to go the related health insurance official website, then download the PDF, print and fill it up.
Users should always shut in all kind of bills and receipts for supporting the claim; check and verify if all the necessary documents are settled.
After validating documents, users need to go on to the related health insurance company’s webpage and upload the form and supporting documents on the portal named ‘Claim Settlement’ section.
Always keep the photocopies as a reference.
While submitting documents physically, remember the insurance company to know about the third party administrator the claim settlement forms and documents have to be submitted.
After examining the accuracy of the claim, the health insurance company will approve the compensation to the related accounts of the insured.
Important documents for Health Insurance claim
Filled and signed claim form
All bills, invoices and receipts
Discharge card issued by the hospital
Hospital bill payment confirmation
Medical investigation reports or diagnostic reports
FIR filed for accidents
As the health insurance claim time limit is only 7 days after completion of treatment or discharge so if the insured exceed the duration, the claim may be denied. Or if any of the documents listed under the terms and conditions of the policy, it could be denied.