How To Get Reimbursements In Case Of Treatment In Non-Network Hospitals Or Denial Of Cashless Facility?
Reimbursement of your claim can be obtained by applying for reimbursement facility after the treatment is done. Below are the steps to avail reimbursement claim from your health insurance provider.
Step 1: Intimate the insurance company regarding the claim and take a note of the “Claim reference number”. Fill the claim intimation form with the maximum details which form the first hand information provided by the customer regarding hospitalization.
Step 2: Submit all the necessary documents for claim processing which include:-
- Duly filled and signed original claim form.
- Valid Identity proof and address proof
- Doctor’s prescription advising diagnostic tests, medicine and consultation
- Original pharmacy bills
- Diagnostic tests, surgery bills and consultation as prescribed by the treating doctor
- FIR as required
- Ambulance receipts
- Any other document required to assess the claim
Which is the Best Health Insurance in India?
The best health insurance company in India provides some features such as in-patient hospitalization, Daycare treatment, domiciliary hospitalization, Ayush benefits, etc. Apart from the basic features, few health insurance products contain extra coverage such as Ambulance Cost, Restoration Benefit, No Claim Bonus, Preventive Health check-ups, Co-pay, Network hospitals, waiting period, etc. The standalone health insurance companies such as star health insurance company care health insurance Company and other best health insurance companies in India can be found on our portal.
Can a Request for Cashless Claim be Rejected/ Repudiated?
Yes, a request for authorization of cashless access may be denied on various reasons such as the ailment/ disease for which the hospitalization is required is not covered under the policy or the insured might not have the sum insured balance to cover the claim. This means that the customer’s request for cashless is denied and he/she cannot claim for reimbursement as well.
What is a Health Card?
A health card is a card that comes along with the health policy which is similar to the identity card. This health card can be used to avail cashless hospitalization facility at any of the network hospitals. A health card mentions the name, age, contact details of the insured and the contact details of the TPA. In Case of emergency the insured customer can reach out to the numbers mentioned in the health card. E-health card can also be downloaded from the website and used for cashless hospitalization at any of the network hospitals.
What is Cashless Health Insurance?
A cashless Health Insurance policy is a policy in which the hospital costs are covered directly between the insurance company and the network hospital. No cash has to be paid by the insurance policyholder.
What is Cashless Hospitalization?
Cashless hospitalization is the process in which in the insured would get admitted in the hospital for treatment and the costs would be borne by the insurance company. The hospitalization cost would be paid to the hospital by the insurance company directly without the intervention of the customer. For this the insurance companies discuss packages with the hospitals and fix a price for a particular type of treatment. Cashless hospitalization is the best mode of claim settlement in a health insurance policy as the rising hospitalization costs are posing a serious threat to the people and causing a huge dent in their savings during hospitalization.