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The optimum objective of buying health insurance is to get your hospitalisation expenses paid through claims. Usually there are two types of claim settlements:
Cashless, when your health insurance company settles your hospitalisation bill directly with the hospital.
Reimbursement, when you cannot avail of cashless hospitalisation for any reason, or avail treatment from a non-network hospital. You are required to settle your bills with the hospital yourself and then raise a claim with your health insurance company for reimbursement of your expenses. There are multiple processes which you may use to file your reimbursement claims. One of the most convenient channels to use is the online customer interface of Care Health Insurance called Claim Genie.
Care Health Insurance Claim Genie is an online customer interface which you can access using either the Internet or mobile phone platforms. You may intimate for claims, file claims and submit them with the required documents through the Claim Genie Care Health Insurance app apart from other uses too.
How to File a Claim Using Claim Genie?
One of the most crucial features of the Claim Genie app from Care Health Insurance is the flexibility, convenience and comfort it provides you when you are in the process of filing a claim. You need to follow the steps given below to file your claim using the Claim Genie App:
- You need to go to the official website of Care Health Insurance company – https://www.careinsurance.com. You may also download the Care Health – Customer App from https://rb.gy/vjdgqy
- On the home page click on the ‘Support’ tab on the main page and click on ‘Claim Genie’ from the available options.
- You will be redirected to a new page in which you will be asked to enter your policy details starting with your policy number.
- Next, you need to enter the captcha code given.
- Click on the ‘Next’ button.
- You will be asked to enter your Date of Birth or your Customer ID.
- Click on the ‘Submit’ button.
- You will be directed to a new page with the options – Track Your Claims, Claim Intimation, Claim Process and E-Claim Form.
- Click on the appropriate tab and follow the instructions and the screens.
Note: You may use either the web platform or the mobile platform to submit your claim for processing.
Advantages of Using the Care Health Claim Genie App for Claims
Digitising the insurance claim process in the form of the Care Insurance Claim Genie app has several advantages for you as a claimant. These are as follows:
Faster Processing
The processing of your claim is faster when intimated and filed through the Claim Genie app as the system will not allow you to proceed to subsequent steps without completing the step you are in. This helps as you cannot forcefully jump the process and leave it incomplete. Hence, the chances of your claim getting rejected are much lesser.
Better Customer Experience
The process of physically filing a claim includes locating and visiting the nearest office of your health insurance company, asking for and filling up the relevant forms, submitting original documents and a whole lot of photocopies and then submitting your claim. This process is inefficient and has a lot of human intervention. The process of filing your claims through Claim Genie Care Health can be completed from the comfort of your home.
Automated Claims Process
An app like Claim Genie incorporates the advantages of artificial intelligence into your claim filing process. You are guided at every step and the entire process becomes faster. The process often includes online payment, avoiding the conventional and slow and tedious methods of payment through cheques and waiting for them to be cleared through your bank account.
Better Coordination
The process of settling your claim often requires your health insurance company to reach out to the hospital where you got your treatment done for certain clarifications or validations. The process is much faster in case you use Claim Genie as this correspondence is now carried out using swift online methods aided by your digital submission.
Better Communication
The digital process also helps your health insurance company to communicate more effectively with you in case of any delays or further requirements in the claim process.
Ease in Checking Claim Status
As far as a claim is concerned, you may use Claim Genie to not only intimate, file and submit claims but also to track and check the status of your claim in real-time.
Documents Required to File a Claim
You would need to scan and upload certain documents which you will receive from the hospital. The list of documents normally required is as follows:
1. Original discharge summary
2. The original and final bill of the hospital with a break up item-wise
3. Original money receipt for the payment made against the final bill
4. Pharmacy bill, if you have paid for any medicines or consumables separately
5. In case of hospitalisation due to an accident:
- Medico-Legal Case (MLC) copy, only if applicable in your case
- Alcohol history, if applicable in your case
6. Medical investigation reports like MRI, X-ray, CT Scan, Blood Tests, etc
7. Attested copy of your indoor case papers – internal records of the hospital containing the complete treatment record during your stay at the hospital. These are provided if you request the same
8. Invoice and sticker showing the details in case of implant surgery
9. In case of a claim amounting to Rs One lac and above, you need to provide a copy of any one of the following KYC documents where the address on the KYC document matches the address in your policy – Passport, Aadhaar Card, Voter ID Card, Driving Licence
10. A cancelled personalised cheque with the name printed of the proposer in an individual policy
Please note: This is not an exhaustive list, and you may be required to submit additional documents if your health insurance company ask for them.
Other Benefits of Claim Genie App
Apart from submitting and tracking the status of your claims, you may use the Claim Genie app to avail many other benefits including:
Health Check Up
- Book an Appointment
- Existing Appointments
- Reschedule Appointments
- Cancel Appointments
- Health Check-FAQs
- Download Reports
Renewal
- Renew Policy
- Renewal Notice
Policy Related Services
- Know Your Policy
- Show Policy Details
- Policy Certificate – Soft Copy
- 80D Certificate – Soft Copy
- Cashless Card Soft Copy
- Track Proposal
Update Contact Details and Changes in the Policy
- Change Address
- Change E-Mail ID
- Change Mobile Number
- Rectification of Name
- DOB Change Request
- Addition of Baby
- Change Nominee Name
- Extension in Travel Policy
- Change in Course Name
- Change in University Name
- Change in Sponsor Details
- Rectification in PAN number
- Rectification in Passport Number
- Rectification in Insured Gender
- Change Alternate E-Mail ID
- NEFT Registration
Discount Connect
- View and Generate Discount Coupons
Customer Service
- Track Through Request Number
- Track the Last 5 Requests
You may also use the Branch Locator, Locate Network Hospital, Other Request and Unclaimed Amount features. These may prove to be crucial features in case of an emergency when you instantly need the critical information at your fingertips. The Claim Genie app from Care Health Insurance literally provides you with that comfort in the times of need.
Note: The Claim Genie app is available in two languages for the convenience of a wide cross-section of customers across India – English and Hindi.
To Conclude
The significance of the Claim Genie app cannot be ignored in terms of the convenience it offers you as a policyholder. While you can use it to file a claim at your convenience from the comfort of your home, it also helps you carry out a vital responsibility in tracking your claim frequently to find out if there are any points raised against your claim and in resolving these issues. The ultimate aim is a claim that is processed smoothly.
Claim Genie also plays a vital role in keeping you updated on the status of your policy and reminding you as and when your premium is due and thus allows you to continue enjoying the benefits of your health insurance policy. It also provides you with the most accurate and updated information with regard to your Care Health Insurance mediclaim policy.
Disclaimers: The above information is for reference purposes only. Kindly consult your general physician for verified medical advice. The health insurance benefits are subject to policy terms and conditions. Refer to your policy documents for more information.
