While health insurance plans offer financial protection for medical costs, they also come with various other benefits. These additional benefits may differ based on your health insurance provider. Some common benefits offered by insurers are:
Lab test reimbursement or packages provided by the insurer help you take proactive measures for your health without worrying about costs. Keep in mind that a lab test package is different from lab test reimbursement. In a package you will simply have to select a slot and avail the benefit. In case of reimbursement, you will first have to pay for the lab test and then get reimbursed for the same. Depending on your insurance provider, you can claim this benefit in various ways. Read on to know how you can claim this benefit under Health Protect Plans available on Bajaj Finserv Health.
Additional Read: Aarogya Care Insurance Plans
While filing a lab test reimbursement claim form, you will need the following details:
For your bank details, you will need:
When you submit the claim, make sure all the details are correct and clearly visible. Also, remember to file the claim within the stipulated time period. This may vary depending on your policy. Similarly, the process for availing lab test package or lab test discount may also differ for each policy.
Lab test reimbursement will include the lab test fees of any radiology or pathology test. Keep in mind that the reimbursement will be limited to the benefit amount mentioned in your plan. With the Health Protect Plans under Aarogya Care, you can get lab and radiology benefits of up to Rs.12,000. Also, this amount covers all the members in your policy and you can make multiple claims in a year. Apart from that, there is no capping on the individual use of this benefit.
Be sure to check what lab tests are covered under your health insurance policy to buy wisely. Note that the validity of lab test reimbursement benefit will last till the validity of your insurance plan.
Usually, lab and radiology benefits will include lab test reimbursement for the following tests:
One of the best ways to know which lab tests can be reimbursed under your policy is reading the terms and conditions. You can also contact customer care or helpline number to know whether you can get lab test reimbursement for a specific test.
Additional Read: Health Insurance Policy
Apart from reimbursement through the Health Protect Plans on Bajaj Finserv Health, you can also get lab test discounts through Suburban Medicard. It is a virtual membership card available on the platform that offers benefits apart from lab test discounts. You can get free health check-up packages, cashback, and more. Choose a plan that helps you take better care of your and your family’s health!
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