Before you buy an online mediclaim policy, you must know the procedure of its working. The claims are of two types- cashless procedure and other is reimbursement. While you buy an online mediclaim policy, go through each policy and make a comparison to go for the one which suits your need the best way.
Cashless Procedure:
It is that type of mechanism, where the patient is admitted or treated in our network of hospitals and thereafter the insurer will settle down the claim, either a part of it or full with the concerned hospital. This means that the patient needs not to give even a single penny to that hospital. For a smoother claim process, follow these steps:
At first, in all the empanelled hospitals, you will find an insurance desk within the hospital premises. The policyholder should obtain from there the pre-authorisation form, fill it duly with all your correct details as any wrong information or any omission will delay your entire claiming process. The form is stamped by your hospital and the company approves your assured sum and thereafter a fax is sent back to the same hospital stating that an amount ‘X’ is sanctioned for treatment.
Reimbursement:
If you want to get reimbursement, you should inform your insurer about your hospitalisation or if the hospitalization is likely to happen in near future. Either you send an email or inform by making a phone call. For acquiring reimbursement, submit all your payment receipts, medical bills of all medicines even if bought from an outside chemist. Make sure to get your original discharge slip, slips of final payment of bills, so that reimbursement can be given to the person.
Checklists before you buy a mediclaim plan:
- Individual plans and combo plans for the family: In an individual plan, every individual should be insured for a specific sum, whereas in a family floater, all family members are insured against a fixed amount. In some plans, if the primary person of the family dies, under the family floater scheme, the policy will be closed and even the young members of the family cannot renew it. Whereas, In some cases of individual plan, the individual can be insured on different parameters. But the attainment of specified age will not have any impact on the coverage plans of family members.
- Renewability Age: Although the policy offers you the coverage for just a year, in actuality some insurance providing companies like Medimanage believe in strong and long-lasting relationships with their customers. So the insurance policy will cover you for your lifetime.
Medimanage is a top health insurance policy in India which focuses on providing unbiased healthcare solution. They have professionals who provides expert advise and then owns the responsibility to service the product. It is the best health insurance agent whom you can rely on.
Medimanage 