Claim Process for Reimbursement and Cashless Hospitalization
Claim Settlement Ratio (OND 2018)
Network Hospitals across 500 cities
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 how to file a health insurance claim? She does not want to trouble her husband and has no knowledge about the process. Every time she piled up the papers, she found it a mess. Thus, in this article, we have jotted down all the steps for the smooth claim process. So that you do not need to face the haphazard like Mrs. Narang and file a claim easily. But, before we jump onto the steps, it’s good to understand the two ways you can settle the claim. Here we go!
Under a cashless basis, you can file the claim only when you are admitted to network hospitals. You have to submit the required documents within the stipulated time to the insurer. After successful verification of the documents by the claim management team, the claim amount is directly paid on your behalf to the respective network hospital.
Under the reimbursement basis, you can file the claim post-hospitalization. First, you have to pay your medical expenses, and later you have to submit the required documents within the stipulated time to the insurer. After successful verification of the documents by the claim management team, you get the approval. You will receive the amount of reimbursement for all the expenses up to the sum insured.
Once you have invested in health insurance to secure your savings, it is vital to understand the claim process in both cashless hospitalization and reimbursement cases to get the hassle-free settlement.
So, let's start with the claim process for cashless hospitalization.
Under reimbursement you can follow below simple steps:
>> Check: Health Insurance Claim Settlement Ratio
You can check the below list of the documents that you need to collate to file a claim.
Therefore, 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 helps you to avoid medical insurance claim rejection. For quick claim- settlement check the health insurance plans offered by Religare Health Insurance. The claim procedure is simple, and its insurance advisors help you 24x7 if you are stuck in an awkward situation while filing a claim.