How to get your health insurance
claims quickly

Best health insurance claims experience is the one where you don’t have to make any payment i.e. cashless. While going cashless makes for a smooth claims experience, the fact remains that a sometimes cashless it is not possible. The hospital where the patient is admitted might not be in the cashless network, the claim processing might take longer than anticipated or the sheer emergency of the situation might dictate immediate payment. Therefore, it’s very important that the health insurance customer should know what to do in a reimbursement claim situation.

First step towards a smooth and fast reimbursement claim is to keep handy all the details like the email id and phone numbers that your insurance company has shared with you for getting in touch with them. This should be done the moment you purchase the policy and this information should be shared with your family. It should not only be kept in your own diary or google drive. It is also advisable to go to your best health insurance company in claim settlement website and take prints of their claim’s forms. This will not only make sure that you have a head start on documentation, paying attention to the claims form will also help you understand your health insurance policy better. As we often tell our customers, the best health insurance policy is the one that you understand clearly. Also keep handy printouts and softcopies of all ID proofs like Adhar, PAN, Birth certificate etc.  It is not uncommon to find the patient’s family struggling to locate the right document in their home or digital devices at the time of claims.

 

Also, we advise our customers to please make sure that you update this information at the time of policy renewal. The contact email id and mobile number that you filled in your initial form might not be operational today. Also, as technology progresses there are always new ways of getting in touch like AI chatbots and WhatsApp communication which are being introduced by the best healthcare protection plans for you and your family. You should keep yourself updated.

Second, in case your surgery is planned, and as per expert estimates 80% of surgeries are planned, please make sure that you get in touch with your insurers and keep them updated. This will help the insurance customer service staff to guide you on the process to be followed. While this might seem like a tedious task, fact is that insurance companies are giant corporations with specifically laid down processes, deviations from which while possible are infrequent, painful and time consuming. You might think you have the best term insurance company purchased from the country’s best health insurance company in claim settlement and through an agent you trust but it is advisable to be pragmatic and get to know the process beforehand. This step will also increase the odds of your claims being processed in cashless manner and avoid the pain of having to file a reimbursement later.

In case there is an emergency or the cashless facility is denied, know your claims and stay calm. If you have done the prework as we have suggested earlier in this blog, you are already ahead of the game. Now there are four things that every reimbursement claim requires:

1. Medical certificate issued by the treating physician which describes your health issue in detail for your insurance company.
2. Diagnosis Report of all the tests conducted pre and post operation like x-ray, blood tests, MRI etc. This is needed by your insurer to corroborate the medical certificate.
3. Discharge Summary from the hospital which gives the full account of hospitalisation.
4. Original Bills for medicine, consumables, diagnostics etc.
5. FIR in case of an accident or foul play.

We strongly advise you to arrange these neatly in order of date and also make a high-resolution soft copy of all of the above. You will need to utilise the online claim settlement option of your health insurance company. In case your health insurance company requires you to send the physical document you will have all of the above ready and your claim will be processed easily.

Last Pro tip for our customers is that the original documents that you sent to the insurer, you can and should ask to get them back. These documents are part of your medical record history and therefore very important. Please make sure that you get these documents back from your insurer.

Conclusion

Secure is designed to provide you and your family with comprehensive, accessible, and affordable healthcare solutions. Whether you’re an individual, a family, or a senior citizen, there’s a plan designed to provide financial security and peace of mind.

Some key reasons why you should choose CarePal Secure are:

• Extensive Coverage: Get access to a wide network of hospitals for cashless treatments, covering everything from regular health check-ups to major hospitalisations.

• No Waiting Period for Essential Coverage: CarePal Secure offers immediate access to essential healthcare benefits so that yCarePal ou can receive critical medical treatment without long approval delays.

• 24/7 Medical Assistance & Claims Support: Our dedicated helpdesk is available round-the-clock to assist you with medical emergencies, claim processing, and consultation bookings.

• Teleconsultations & Healthcare Discounts: Our seamless teleconsultation services allow you to access specialists across 18+ medical fields. Additionally, you can enjoy significant savings on medicines, diagnostic tests, and outpatient care, making quality healthcare more affordable.

• Affordable Plans with Super Top-Up Options: Choose from a range of budget-friendly plans for individuals, families, and seniors. Our super top-up policy for seniors provides additional financial protection, covering larger medical expenses at a lower cost.

• Tax Benefits Under Section 80D: The premiums paid toward CarePal Secure health insurance are tax-deductible, helping you save money while ensuring comprehensive coverage for yourself and your family.

With trusted partners nationwide, CarePal Secure ensures that quality healthcare is always within reach. So what are you waiting for? Join 80,000+ satisfied customers who trust CarePal Secure for their healthcare needs.

Get in touch with us to know the right plan for you.