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Mrs. Narang is overwhelmed as her husband is back home after spending a couple of weeks in the hospital, but now she is concerned about filing a health insurance claim? She does not want to trouble her husband, but she does not know the process. Every time she piled up the papers, she found it a mess.
People get into such a situation when they are not aware of claim settlement process in health insurance. So, know the below-mentioned easy steps to ensure a hassle-free health claim process. You can file it in two ways:
We simplify things for you as we explain more about the medical insurance claim procedure.
A health claim process is a request from a policyholder to avail of the coverage under a health insurance policy. At Care Health Insurance, we follow a set of procedures to settle the claim. For a hassle-free claim settlement, you need to inform our customer support team about your hospitalization within 24 hours in emergency hospitalization and before 48 hours for planned hospitalization.
Once you have invested in health insurance to secure your savings, it is vital to understand the health claim process for cashless hospitalization and reimbursement cases to avoid last-minute chaos. Here are medical insurance claims processing steps:
Cashless Claim Process
Cashless hospitalization is one of the best features of health insurance. It serves your purpose and gives you a financial cushion in a difficult time. Our cashless claim process is simple and has the following steps:
Reimbursement Claim Process
At times, it happens you have to admit to non-network hospitals for different reasons. But, do not worry! All you can do is follow these steps for the reimbursement process in health insurance:
Planned Hospitalization Claim Process
Intimate us 48 hours prior to your hospitalization. For cashless hospitalization at the network hospital, follow the cashless claim process. In case you have selected a non-network hospital, follow the steps for for the reimbursement process in health insurance.
Claim Process for Accidental Injuries
A medical emergency can knock on the door anytime. We understand the urgency of hospitalization; that's why we kept the medical insurance claim process for accidental injuries and death simple. Below are the steps:
Show the health insurance card provided by us to get cashless benefit at our network hospitals.
Claim Process in Case of Accidental Death:
With Care Health Insurance, getting a claim is no more a cumbersome task. Follow the above steps based on the situation and get your claim timely without stress.
We will directly pay your bills for the cashless claim process once you get discharged from the hospital after approval from the claim management team. For medical claim reimbursement, you have to submit the required documents within 15 days after getting discharged from the hospital. Our claim management team will approve your claim within the stipulated period.
>> Check: Health Insurance Claim Settlement Ratio
Below is the list of documents that are required to file a claim:
You can check the status of your using the online facility. If you have opted for a policy from us, you need to visit the official website and track the status by entering relevant details. It is applicable in the case of checking the reimbursement claim or cashless claim status.
Sometimes, claims may get rejected, and this can be due to various reasons. Here are some tips to help you get a claim and prevent rejection of claims:
After buying a health insurance policy, the first step is to read the policy documents carefully to understand its features, inclusions, exclusions, waiting period, and, more importantly, health insurance claim procedure. This way, you will escape the last minute hassles and ensure you get the most out of your health policy. Moreover, the online facility helps to initiate health insurance claim process, submit documents, and track the claim status, thus saving your precious time and efforts.
Investing in health insurance is a wise decision to protect yourself and your loved ones in case of any medical emergency. A good acquaintance with the various aspects of the claim procedure for health insurance helps you to avoid medical insurance claim rejection. For quick claim- settlement check the health insurance plans offered by us. Our medical insurance claims processing steps are simple, and our insurance advisors help you 24x7 if you are stuck in an awkward situation while filing a claim.
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If you want to have faster claim approval under your health insurance, go for cashless hospitalization at the network hospitals. You have to intimate our claim management team for the health insurance claim process within 24 hours in emergency hospitalization and 48 hours in case of planned hospitalization.
Claim form and documents such as medical practitioner's prescription advising hospitalization, drugs, diagnostic test or consultations, original bills, receipts and discharge summary from the hospital, indoor case papers, etc. required to file a reimbursement claim.
In case you lost your health insurance claim card, inform our customer support team immediately. They will help you to get the new one and assist you in the claim settlement.
Reimbursement in the health insurance claim process means that you initially pay your hospital bills and apply for a refund within the stipulated time to get the entire amount back.
^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).
^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023
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