How to Claim a Reimbursement in Mediclaim Policies?
Medical policies allow you to enjoy the best health care solutions without financial worries. However, in today’s complicated and unpredictable era, you must have an insurance policy with suitable coverage at an affordable premium.
There are two types of mediclaim such as cashless claims and reimbursement claims. Most insurance companies follow reimbursement claim settlement procedures. This write-up will teach you about a reimbursement claim, how to fill out a medical reimbursement form, etc.
A reimbursement claim is a mediclaim that reimburses the maximum amount of your medical services. You should follow the proper steps to enjoy the claim settlement facilities in this claim settlement procedure. This is a traditional and most common way of settling your medical claims. In the next part of the blog, let us know the steps you need to follow to file a reimbursement claim.
How to file a reimbursement claim?
Do you want to file a reimbursement claim for the health care services you have taken? If yes, then the following are the steps that you need to follow for the same.
Intimation of claim
The first and most crucial step you must follow in any claim settlement procedure is to notify your insurance company.
Remember, in the case of reimbursement settlement, you need to inform your health insurance company at least two to three days before seeking planned medical treatment. Whereas, if it’s an emergency case, you should inform the insurance company or the third-party administrator as soon as possible. Most companies ask you to inform them within 24 hours of an emergency, or else your claim settlement request can be rejected. So, stick to the company’s guidelines to avoid any issues.
Collecting as well as compiling the documents
Another major step you should follow after the claim intimation is collecting and compiling your essential medical documents.
In the reimbursement claim settlement procedure, you carry significant responsibilities as an insured. One of them is to collect all your documents like health cards, filled claim forms, hospital registration certificates, discharge summaries, pharmacy invoices, doctor’s consultations, diagnostic reports, fitness certificates, NEFT details, cancelled cheques, etc.
You might also need to submit other documents for the claim settlement. For a better understanding, you can go through the company’s guidelines for how to fill the mediclaim form category. This will give you detailed information about the documents, steps, etc.
Filling essential pieces of information
The third step you need to follow is filling up essential information in the claim form. For example, you must fill in the policy number, policyholder, email address, phone number, address, etc.
Not only this, but you also need to provide information regarding pre-hospitalisation expenses, post-hospitalisation expenses, and in-patient department expenses.
Do you know making copies of your filled claim form and other documents is essential before you submit it to the insurance/ health care company?
Submit the claim
The last step is to submit the claim, but before that, do not forget to cross-check the form.
If you have been searching for how to fill health insurance claim form, then the above write-up would have helped you with the same. Here, in this write-up, you learned about the five essential steps you need to follow for filing a reimbursement claim settlement.
This process becomes much easier when you opt for an online settlement procedure.
Now you might be thinking about where you can get the opportunity to settle the claim online. Livlong offers hassle-free online purchasing and claim settlement procedures for all health insurance policies. So, instead of worrying about the whole process, choose the easiest way to enjoy the claim settlement facilities.