Whenever you or your
family member suffer with any decease or hospitalized then health insurance
gives you a big relief. The wholesole purpose of health insurance is to cover
your medical bills and other health related expenses. Most of people assume
that purchasing the mediclaim policy and paying premium is very easy but to get
claim is very difficult. They feel the process of claim is very tedious and
very complex. So you need to understand the fact about the health insurance
claim.
In general, when
insured person admit more than 24 hours in hospital then we claim our medical
bill. However some day care treatment like eye surgery, chemotherapy, ligament
repair process etc. are also listed in today’s health policies. Please read
very carefully that health care treatment list at the time of purchase of
policy. Mediclaim policy also cover those all charges like hospital room
charges, medical test, expenses before the admitting in the hospital within
specified limit.
It is very important
to read very carefully policy documents what is included or what is included
not. Some policies also cover ambulance charges and expenses of attendant of
patient.
Many hospitals has
tie up with health insurance companies for cashless facility. Under this
facility hospital receive the healthcare expenses of insured person from health
insurance companies directly and patient do not pay anything to hospital within
amount specified in mediclaim policy. To avail benefit of cashless facility you
have to inform hospital before 24 hours from admitting day.
If you do not avail
cashless facility then you have to contact your insurance company before 24
hours from admitting day. After relieving from hospital you will have submit
all the medical expenses bill to insurance company or TPA with all diagnostic
report and discharge summary. After assess the insurance company team you will
get your claim amount.
Many people have
doubt whether company pass their claim or not. If you have not hide any health
related problem or hobbies and habits at the time of purchasing the policy,
there should not be any problem at the time of claim. Before purchase any
insurance policy you should have read and understand the policy document and
mention all the facts about you with honesty on proposal form.
If you have doubt about investment
product and want more information regarding investment or you need investment
services, feel free to ask us. We also conduct the seminar on investment and
financial planning. If you are interested for conducting seminar in your city,
just drop the mail.
Warm regards,
Arvind Trivedi
Certified Financial Planner
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