7-Step Guide to Fill Health Insurance Reimbursement Form


7-Step Guide to Fill Health Insurance Reimbursement Form

A health emergency always grips you unprepared. While you would try to receive a cashless healthcare facility, an emergency may land you at a non-network hospital–burdening you with financial stress before filing for reimbursement. That’s why it is essential to learn about how to fill a health insurance claim form required during the reimbursement process. We have curated a step-by-step guide to help you raise a claim request smoothly and successfully.

What is Health Insurance Claim Reimbursement Form?

You need to fill out the reimbursement claims form when your hospital is not empanelled with your health insurance company. This means you are unable to avail the cashless hospitalization facility. The reimbursement form is filled out after the patient is discharged from the hospital. You must submit the same along with the other documents to the insurer within 15 days of discharge. 

Parts of the Care Health Insurance Claim Form for Reimbursement

There are two parts of the claims reimbursement form as explained below-

Part A of the Claims Reimbursement Form Part B of the Claims Reimbursement Form
This part is meant for you as an insured person, to fill in your contact details, and information about your insurance, hospitalization, and other relevant particulars.   This part is meant for the hospital where you or any other insured member was admitted. The hospital will fill in all the necessary details related to the hospitalization process, ailment, and claim. 

How to Fill Care Health Insurance Claim Reimbursement Form

Filling up the claims form is a careful process, especially if this is your first time. To start with, collect the claims form from the hospital TPA desk as soon as the patient is discharged. You need to send the completely filled out form along with the required documents to the health insurer’s address via post. 

Now, let’s understand how to fill claim form for health insurance step by step-

Step 1: Fill Out the Details of the Primary Insured

The first step is to fill out all the information related to the primary insured under your health insurance policy. For instance, the health policy can be registered in your name with your parents listed as beneficiaries.

claims reimbursement form

To fetch the primary insured’s details, you need to keep your policy documents handy and follow the instructions below-

  • Here, fill out the policy number as mentioned on your insurance documents.
  • As for the TPA number, you can find it here from the authorized IRDAI list of Third Party Administrators (TPAs). You can skip filling the certificate number field if not found in the policy documents. 
  • Below this, enter your personal details, including your name, address, contact number, and email.


Step 2: Disclose the Insurance History of the Person Filing Claim

The form’s second section requires information about whether the insured patient is covered under any other mediclaim or not. If yes, you must fetch all the details of the other insurance policy, including-

  • The Insurer’s name
  • Policy number
  • Sum insured
  • Number of times hospitalized, and
  • Previous record of insurance coverage, if any

how to fill claims form

Step 3: List Down the Details of the Insured Person Hospitalized

Under the form’s ‘Section-C,’ you need to fill out all the personal information of the insured member who is hospitalized and for whom you are raising a claim. The particulars include-

  • Insured person’s name
  • Relationship with the primary insured
  • Occupation
  • Address
  • Contact number, and
  • Email

claims reimbursement form

Remember, if there are more than one insured members who are hospitalized, you need to fill out separate claim forms for each of them. 

Step 4: Enter the Hospitalization Information

The next step is to enter all the hospitalization specific. For this, you need to be well aware of-

  • The hospital’s name
  • The type of room occupied by the insured
  • The reason for the insured’s hospitalization
  • The dates of admission and discharge.
  • If it’s a legal case, you must attach the FIR as well.

details of the hospital in claims form

In case it is difficult for you to gather this information, you can get help from the hospital’s TPA desk to fill it out. 

Step 5: Calculate and File the Claim Amount

This is the most critical section of the claims form, requiring the claim details. Make sure you arrange all the hospital bills chronologically (date-wise) before filling out this section. For this, you need to collect and organize these documents-

  • All the original hospital reports, from the admission date till the date of filing the claim
  • All the original hospital bills, from that of the X-ray and tests to in-patient and pharmacy
  • All the receipts of lump sum cash benefit (if any) received from the insurer.

how to calculate claims for reimbursement

To calculate the treatment expenses in the claim form, follow the category-wise segregation as below-

  • Pre-hospitalization Expenses- Collect all the bills related to tests, medications, and doctor’s consultancy fees that were incurred before admitting the patient to the hospital ward. Sum the bills and enter the total in this field. 
  • Hospitalization Expenses- Here, enter the total amount paid when the patient was finally discharged from the hospital. It should be a combined receipt along with the detailed breakup of all the charges, including room rent, medications, tests, kits, consumer items, etc.
  • Post-hospitalization Expenses- If you have incurred any charges on the routine check-ups post-discharge, then enter the sum total of all such bills till the filing date in the field.
  • Health Check-up Cost and Ambulance Charges- To be filled if applicable.

Also, this section contains a checklist of the documents you are going to attach along with the claims form. Tick all that applies.

Step 6: Segregate and Explain the Bills Enclosed

This is another critical section that needs your utmost attention. Once you have your medical bills arranged chronologically, filling in this information becomes easy under these four categories-

  • Hospital main bill amount
  • Total number of pre-hospitalization bills and their sum total
  • Total number of post-hospitalization bills and their sum total
  • Total amount of the Pharmacy bills

how to fill bill details in reimbursement form

Step 7: Share the Primary Insured’s Bank Account Information

The final step is to enter accurate bank details of the insured person. You can find this information on the insured's bank cheque. This includes-

  • Permanent Account Number
  • Account Number
  • Bank Name and Branch
  • Cheque/DD payable details
  • IFSC Code

how to fill claims form

As you reach the end of the claims form, double-check all the information you have filled in. Close the form by adding the insured’s signature and date. Reach out to the hospital’s TPA desk to complete the ‘Part-B’ of the claims reimbursement form.

On a Final Note

Filing for a reimbursement claim can be a lengthy process with a lot of queries raised by the insurer. Yet, it is not an impossible task to receive your claim amount through reimbursement. All you need to do is maintain and preserve all the hospitalization paperwork and bills carefully while constantly staying in touch with the insurer’s claims team. 

Here’s when Care Health Insurance supports you with a quick and effective claim process with an internal claims management team. With a high claim settlement ratio of 95.2%, we promise instant customer support during an emergency to ensure maximum financial security for the insured members. Learn more about our products and services.

Also Know : Family Health Insurance


Disclaimer: Filling out the claim form should not be taken as an admission of liability. The reimbursement process is at the team’s discretion that follows a standard process and set of guidelines. 

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