3 Easy Ways to Claim Health Insurance Policy

Accidents and sickness are never planned and this is why it's absolutely necessary for every individual to have health insurance. A good and comprehensive health insurance policy will ensure that the policy holder can access the best medical care easily and never has to feel financially burdened at the time of a medical emergency. At this time of an individual's life, they need support and love from their family and friends and shouldn't have to worry about the medical bills. Good health insurance companies provide affordable plans which are tailor made to suit the needs of the policy holder. Family, Individual and health insurance for senior citizens and top up health insurance cover are some of the most popular plans in the market today. A policy holder should have the freedom to decide and use more than one policy, as and when required specially in the case of steep hospitalisation expenses. Suppose, if you have two health insurance policies then you can claim either one or both together as well. However, as a policy holder, you must remember that the actual hospitalisation expenses incurred should not be more than the amount you can claim from a policy or two policies.

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Here is the process to claim health insurance policy:

• Cashless claim: There are two ways in which you can use claim policy. The first one is also the most popular one where you can make a cashless claim on one insurer and procure the claims settlement summary. After this, you need to get attested copies of the bills. Now, you can approach the second insurance company and request a reimbursement of the remaining amount. You can also duly fill both the authorisation forms if you get a clearly defined cost of treatment. The hospital will send a form each to both the insurance companies and according to this, the insurance companies will settle the bill directly with the hospital.
• Reimbursement claim: Even though the cashless mode is more convenient as the settlement directly happens between the insurance company and the hospital, there are some hospitals where the cashless facility is not accepted. In such cases, you need to pay the bill first from your own pocket and you can get it reimbursed by the insurance company later. You will also have to submit the original bills based on which the insurance company will reimburse the medical expenses incurred by you. The bills will be kept by the insurer.
• Use two health insurance policies to pay the bill: Let's take an example for this one. Let's assume that your hospital bill sums up to Rs. 5 lakhs and you own two health insurance policies which you have bought from two different companies. Suppose the sum insured or health insurance cover in each of the policies is 3 lakhs and since your total bill is 5 lakhs, you'll need to use both the policies. You will be required to submit all the original bills and documents to the first insurer and clearly state the amount that you wish this insurance company to pay. Once the insurer has paid the required amount, you will have to obtain a claims settlement summary from the insurer and get photocopies of all the bills. Get these copies attested by the hospital and submit them along with the claims settlement summary to the second insurance company and they will pay the remaining amount.

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