Claimdoanddont | Indian Insurance

Do's

Remember a Few Simple but Important Steps incase of Hospitalization.

Avail cashless treatment at the network hospital for the covered ailment within eligible amount under the policy.
Leave back all the original documents and signed claim form with the network hospital at the time of discharge if opted for cashless admission.
Make payment to network hospital for expenditure over and above the sum insured, and for the treatment not covered under the policy.
In case of any query, kindly contact the TPA.
In case of admission to non network hospital, please make the payment on discharge and then lodge a reimbursement claim with us.
In case of Accidental injury, lodge FIR at the earliest, if required.
All documents to be submitted in original.
Health card have been issued only for identification of the insured and is not a credit card.

Don't throw all your previous policy documents.
Dont forget to take the photocopy of all the original documents and signed claim form at the time of discharge from the hospital.
Don’t disclose the amount of insurance coverage to the doctorl as they might increase the bill which may affect you.
Plan your hospitalization so that the expenses are limited within the eligible policy submission.
Don't go for very expensive room if not neccessary, as it might get exhausted in case there are more claims in a particular year.
Don’t forget to sign on the claim form.
Don’t insist on admission at network hospital without obtaining pre-authorization from the TPA unless it is an emergency admission.
In case of loss of card, inform immediately to the TPA and insurance company.
Before hospitalization, get it clarified whether the particular disease is covered under your policy terms and conditions or not.
Send all the necessary papers to TPA otherwise the claim can be denied.