Things to Know Before Filing a Health Insurance Claim

Health insurance is taking insurance to protect oneself from the risk of incurring medical expenses. The insured (person who has been insured) has to pay monthly premium to the company whether private, government, NPO, for receiving the benefit as and when required. 

Health Insurance Claims

You use your health insurance claim when you visit a doctor , but when and how much to use is very important , Any private health insurance company do not want to incur loss , so first of all you should know all of the terms and conditions on which you have agreed to receive insurance claim from your insurance provider. 

The process of claiming your insurance begins even before you have contacted any doctor, so as mentioned above you should know all the benefits you are to receive from the insurance company.

You should be in touch with your insurance agent and don’t hesitate in asking any kind of question related to your policy, you should always be clear about it.

The insured should also all kinds of treatments covered in the policy , some policies may require a person to be hospitalised for certain hours , that differ from policy to policy but you should know all of them . 

After you have received the treatment, your bill is sent to the insurance company and they check each and every item of the bill to know whether items are covered in the insurance policy provided by the company. So as you know company thoroughly checks the bill, you should also check the bill and keep a rough idea how much you can claim.

Also check if the doctor/hospital have not added something, for which you have not received the treatment because insurance company do not know about your actual treatment, they are just concerned with the bill.