The diseases affecting humans are on the rise. Pollution, availability of junk foods, and stress are causing problems like high cholesterol, kidney issues, diabetes, etc. Simultaneously, the cost of healthcare is also rising. Hence, surgeries and other such medical treatments can cause a dent in your savings.
During medical emergencies, you can easily raise a Medical Insurance claim and save yourself from depleting your hard-earned money. However, if you are unsure of the steps to follow when filing a claim for Arogya Supreme Insurance, the following article can be helpful.
What is a Health Insurance claim?
A Medical Insurance claim refers to a request a policyholder makes to an Insurance company. You can file a claim for your insurer to provide the services and medical benefits covered under the Mediclaim policy. It is also the process through which you obtain monetary compensation from the Insurance company for the medical costs you pay.
Types of claims
Health Insurance, whether you opt for a Critical Illness Policy or any other policy, provides financial assistance during medical emergencies. However, to get this financial support, you must raise a Health Insurance claim. Such a claim can be of two types:
- A reimbursement claim
In this type of claim, you pay the hospital bills upfront during discharge. Once discharged, you can request your insurer for reimbursement. You can raise this claim for the network as well as non-network hospitals.
- A cashless claim
You can raise a cashless claim only when you are hospitalised at a network hospital. Here, your Insurance company settles the medical bills directly with the hospital.
Steps to file a claim for your Insurance
When filing a claim for Arogya Supreme Insurance, follow these simple steps:
- For conditions that need daycare or hospitalisation, you must first notify your Insurance company or the third-party administrator (TPA) using an email or a call.
- You will receive the reference or claim number once you call or send them an email.
- You can also inform your Insurance company by submitting the details on their official website. Afterwards, a customer care representative will get in touch with you. They will also offer details of further steps and the documents you need for the process.
For cashless claims at designated network hospitals, your insurer will contact the network hospital directly and settle the bill.
For other cases, you must submit certain documents. These include your valid photo ID card, completed claim form, original discharge card, and other required documents. After receiving the details, the insurer will start the process and settle the relevant claim within 30 days of the final survey report.
Conclusion:
Now that you know the steps to raise a claim for your Arogya Supreme Insurance, you can easily follow the steps and ensure coverage for your hospital bills. This way, you can take care of a medical emergency while protecting your savings simultaneously.
