Getting claim benefits is the main advantage of a policy
There are two modes: cashless and reimbursement claim
Follow this guide to fill the cashless claim form properly
Health Insurance is a safety net packed with a set of features and benefits. One of the most important aspects of health insurance is to claim the benefits. According to your insurance policy and financial budget, you can either make a reimbursement claim or a cashless claim. Cashless claim facility will be available against listed conditions when you are treated at an empaneled hospital. The health insurance policy has to be in your name so that you can avail claim benefits .
The process for cashless claim differs for planned and emergency treatment. In case of pre-determined treatment, you have to inform your insurer at least 4 days in advance before hospitalization. In case of emergency, contact your insurance provider to know about the nearest network hospital. Once you and the hospital fill respective parts of the claim request form, the hospital authority sends it to the insurance provider via mail or post.
To get cashless claim benefits, you have to follow a specific procedure which involves :
After proper verification of the form and documents, the health insurance provider will approve your claim request and you will receive the claim amount with additional benefits as specified in your policy. But, if you miss to fill any important section of the form, it may lead to a claim rejection. Read on to get a better insight to the cashless claim process and a detailed guide to fill up the claim form.
Your claim form is usually available at the hospital desk where you are undergoing your treatment. You can also find it online on your health insurance provider’s website.
Your cashless claim form contains 7 sections. Each section has different details. Read on to understand what details are required in each section and how to fill them:
Under this section, you have to fill in the following details:
This section covers the patient details such as:
A few particulars from this section are:
In this section, the following details of the insured patient have to be filled.
Under this section, the hospital authority lists the following.
If the insured patient is not suffering from any chronic illness, this section can be left blank.
Under this section, both the insured patient and the hospital file a declaration. First, read the declaration at page 3 of the claim form carefully and sign it. Then you can sign the declaration statement in page 2. By doing so, you can be well aware about the terms and conditions, and avoid unnecessary hazards related to your claim.
When you submit the form, make sure to attach the following documents:
Additional Read: Top 6 Medical Services Covered in a Health Insurance Plan
Always fill your claim form carefully and be aware of the terms and conditions of your health insurance plan. Make sure that the details in your form are not invalid. Else, you will have to go through more hassles to get it corrected. After filling the form, always submit your original documents like bills and medical papers. Make sure you have photocopies of all the documents submitted for record.
For affordable health insurance plans, you can browse through Aarogya Care range of policies on Bajaj Finserv Health. With comprehensive medical coverage covering both illness and wellness needs, these plans can cater to your emergency medical requirements. With the features of these plans like huge network discounts, doctor consultation reimbursements and competitive cashless claim, prioritizing your health becomes super easy and affordable too!
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