Recently, most people join a health insurance program, especially the health insurance claim processing is not too difficult. You can consider to join a health insurance program as well, because it is beneficial and you can claim it when you need the insurance.
You can learn about the policy first when you are about to take an insurance program. You should also learn about the process of the claim to allow you to get the insurance money as soon as the term is over.
Types of Health Insurance Coverage
There are several things you should know when you are about to process health insurance claim. You must know about the insurance coverage first so that you know about your rights from the insurance.
An insurance company usually has different health insurance program from other company. Sometimes an insurance company only covers expensive towards ailments, some others for acute diseases. The coverage you usually can get from an insurance company such as hospital charges, fees for various treatment, including surgery and anesthesia, fees for doctors, specialists, surgeon, anesthetist, fees for diagnostic tests, medicine, oxygen, blood, internal appliance such as pacemaker.
Cashless Claim
Knowing the policy of your insurance program well will help you process health insurance claim more easily. When you are hospitalized or got treated in a nursing home, you don’t have to pay the medical expenses up to the amount insured.
The amount of the insured is specified clearly under the policy. The insurance company will directly coordinate with the hospital where you are hospitalized and settle the bills after you are discharged. The insurance company will collect documents it needs to process the bills, including your photo ID card and the investigation reports.
Documents Required for Claim Processing
You need to prepare some documents to process the claim. The documents should be complete so that you qualify for the insurance coverage.
The examples of the documents you should prepare for the claim are claim form filled and signed, doctor’s prescription, discharged card which is issued by the hospital, payment receipts, including medicine bills, final hospital bills, medical investigation reports, invoice in case you have surgery, other documents and bills related to your treatment in the hospital.
When the documents are complete, chances for you to succeed the claim is large. Hence, you must be able to provide these documents to claim your right.
Documents Required for Claim Processing of a Critical Care
If you want to claim your insurance due to your critical care in a hospital, you must also prepare some documents like the claim form which is filled and signed, document reports including diagnosis documents proving your critical illness, such as imaging or pathological reports, physician’s report in detail containing the surgical history and the past medical description, document reports mentioning the duration and the confirmation of the diagnosis, and the first consultation document.
With the documents in your hand, it is likely to succeed your claim. You will be considered as qualified to have the coverage. To succeed your health insurance claim processing, carefully provide these documents.
Afri Yanto S.Kom, An engineer who loves to write about education, lifestyle, tech stuff and popular sciences. CP: 