4 Simple Steps To File A Mediclaim In India
Are you confused on how to file a mediclaim insurance
policy. Tata AIG brings you 4 easy steps to file a mediclaim in India. Get to
know the mediclaim reimbursement process, how to apply for a mediclaim policy,
documents required for mediclaim here. Read now.
Step-by-Step Guide to File a Mediclaim in India
pettetMrs. Sindhu was very flustered. She should have been
thrilled now that her husband was home after spending weeks in the hospital.
But instead, she felt even more exhausted. Trying to file the claim for her
husband’s medical health care had left her completely harassed
Wherever she looked, she found receipts, bills and medical
reports. They were everywhere! She knew she had to fill in some sort of claim
form. And she had no idea which original documents were required for the claim
to be processed. Mrs. Sindhu felt very disoriented. But then, just when things
were getting really overwhelming, she met a friend who had recently gone
through the same situation.
"It’s actually quite simple to file mediclaim in
India," said her friend, "as long as you follow the right
steps!"
Step 1 - Put all receipts, bills and medical reports in
order. Arrange them in chronological order. Check that all the documents
contain required information like the patient name, document number, serial
number, cost price, signature of the authorised person and so on.
Step 2 - Request your insurance company for the claim form.
Usually the claim form can be downloaded from the insurance company’s website.
Read the instructions given in the claim form carefully. Fill in the claim form
with all the required details. Make sure the information is correct.
Next, get the claim form signed by the policy holder as well
as the treating consultant. It must also be stamped with the official hospital
seal.
Finally, attach all the relevant medical and policy
documents to the claim form
Medical documents include
• The
discharge summary
• All
documents relating to the patient’s illness
• All
reports with details of the treatments and procedures conducted
• A
certificate from the attending medical practitioner stating that the patient
has recovered or is recovering
Policy documents include
• The Third
Party Administrator (TPA) card
Step 3 - Prepare copies of all the original documents. Both,
the original documents as well as their copies, need to be submitted with the
claim form. Submission of only copies is usually not accepted. Attach the
documents in serialised or chronological order. Review the documents carefully.
Make sure that none of the documents issued at the time of treatment are
missing. If any documents are missing at the time of submission, the claim may
not go through.
Step 4 - Submit the documents with the correct TPA. You can
get the name of the TPA from your insurance company. When you visit the TPA
branch, ask an executive to check the submitted documents. Then submit the
documents with the executive.
You should also inform the health insurance company that the
claim has been submitted, by sending them a set of copied documents.
Mrs. Sindhu did exactly what her friend said, and was able
to file her mediclaim policy with ease. What a relief! Now she was free to give
her family all her attention!
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