Here are some actionable tips to help you address the common issues with health insurance claims:
1. Before Hospitalisation: Proactive Measures~
- Thoroughly read your policy document, particularly the fine print regarding exclusions and waiting periods.
- Contact your insurer for pre-authorisation at least 48-72 hours before planned hospitalisations.
- Verify if your chosen hospital is in the network and if your specific treatment is covered under the cashless facility.
- Keep digital copies of all previous medical records organised and accessible.
- Check sub-limits applicable to your policy for room rent, specific procedures, and disease categories.
By understanding your policy thoroughly before you need to use it, you can avoid unpleasant surprises during the claim process.
2. During Hospitalisation: Documenting Best Practices~
- Inform the hospital insurance desk about your health insurance coverage immediately upon admission.
- Ensure all medical procedures and diagnoses are accurately recorded in hospital documents.
- Collect and verify all bills, including interim bills, before final settlement.
- Keep a record of all medications you receive during your hospital stay.
- Document any additional procedures or treatments that were not initially planned.
Prompt and complete submissions significantly improve your chances of a timely claim settlement.