Given the sky-rocketed medical expenses and uncertainty of human lives, having health insurance has become a basic need for a layman. There are different types of health insurance available, which you can choose from as per your requirements. Health insurance plans safeguard your finances and ensure that you get the best treatment in dire times. However, things will turn out smoothly only when you know the intricacies of making a health insurance claim.
The claim process needs to be flawless if you wish to enjoy hassle-free coverage of all your expenditure. During emergencies, you need to stay steady and adhere to policy norms and regulations and abide by the deadlines to ensure that your insurer rejects your claim.
This blog aims at enlightening every policyholder about the intricacies of making a health insurance claim. Read this value-bomb today if you do not want to miss out on important tips and suggestions.
Top tips for seamless approval of health insurance claim
Q. I just missed the deadline for intimating my health emergency to the insurance company. Is it possible to get my claim approved now?
Ans: Unfortunately, the insurance company can conveniently reject your claim on the pretext of delayed intimation. Discuss with your health insurance agent so that he/she can use their expertise to take you out of this situation.
Q. How many claims can I make in a year?
Ans: You are free to make any number of claims throughout the year as per your genuine requirements. However, the amount of the claim cannot surpass the insured amount.
Q. I have lost a few of my prescriptions. Will it affect my insurance claim procedure?
Ans: If you are claiming for a specific health condition and the prescriptions are related to the same disease, then yes, this will impact your claim process. You may not get coverage for those medicine expenditures. Try requesting your doctor/hospital to provide you with a copy of those prescriptions.
Q. My agent filled in the wrong bank details, and now I am unable to get my claim approved. What should I do to get it approved?
Ans: You need to visit the insurance company and discuss with them the issue. They will provide you with some solutions. But know that this will definitely take time.