List of necessary claim documents to be submitted for reimbursement are as following:
You will receive an update on status of your claim through sms and emails on the registered contact details with us. Hence, it is important that your contact details are updated with us at all times. You can also reach out to your health advisor or connect with our health relationship managers to get an update or clarification on the claim. In case of cashless claims, we will issue the authorisation letter to the hospital through fax or email.
You should carry the health card provided by the company with this policy, along with a valid photo identification proof (voter id card / driving license / passport / pan card / any other identity proof as approved by the company).
We shall scrutinize the claim and accompanying documents. Any deficiency of documents, shall be intimated to you and the network provider, as the case may be within 5 days of their receipt. If the deficiency in the necessary claim documents is not met or are partially met in 10 working days of the first intimation, we shall remind you of the same and every 10 (ten) days thereafter. We will send a maximum of 3 (three) reminders following which we will send a closure letter.
We may investigate claims at our own discretion to examine validity of claim. Such investigation shall be concluded within 15 days from the date of assigning the claim for investigation and not later than 6 months from the date of receipt of claim intimation. Verification carried out, if any, will be done by individuals or entities authorised by us to carry out such verification / investigation(s) and the costs for such verification / investigation shall be borne by the us.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more