health insurance pre-existing conditions rules
health insurance pre-existing conditions rules
Get Instant Health Insurance Quotes!
Simple Tips for a speedy Claim settlement!
After undergoing hospitalization and paying huge bills, if you are worrying as to how you would file your claim with the Insurance Company, follow these simple rules and be sure to get your bills paid.
If you have bought a health insurance policy which covers the disease for which hospitalization took place you would be reimbursed for the medical expenses incurred before, during and after the hospitalization.
Another way by which you can claim is known as ‘Cashless Hospitalization’ wherein you are hospitalized in a network hospital and the charges for the whole hospitalization are directly paid by the Insurance Company through the TPA or Third Party Administrators.
It is more beneficial to avail the Cashless Hospitalization but in case you haven’t, Don’t fret, simply follow these rules:
- In case, you have to go on your own, then you need to first find out who is the TPA on the policy. This would be mentioned clearly on the policy schedule provided to you.
- Read the policy conditions to make sure that the illness/condition is covered.
- Remember to keep all the bills connected to both, pre as well as post hospitalization, including prescriptions and receipts of consulting fees paid to doctors, invoices and receipts provided by the hospitals and the pathology lab, the consultation reports and receipts, carefully in a file.
- Find out who is taking care of your claims. Call up your Broker/Agent. A good Broker/Agent would help you end-to-end on claims.
- Remember receipt is a very important document to be submitted. An invoice is only a liability, the receipt actually documents the payment made.
- Fill out the Claim Form provided by the Insurance Company or available with your HR Department if you are insured under the Group policy.
- The list of essential documents is mentioned below. Try to scan or photocopy each of these documents and send the original to the TPA (your TPA name, number and address are provided on you Health Card and the Policy). Make sure that you provide each one of these to the TPA.To read more Simple Tips for a speedy Claim settlement!
About the Author
Medimanage Health Insurance India
Question about health insurance and maternity?
Ok, I have insurance, but me and my fiance are getting married soon and I want to get on his insurance. I am working two jobs, and would really like to quit the one that I have insurance at since I make more at the other one.
My question is, that I am already pregnant, so do you think that his insurance will cover my pregnancy? I know some of you will say no because it is a pre existing condition, but my mom and several friends have told me that in the 90’s most insurance companies did away with pre existing condition rules. I know that some sitll have them, which is why I am calling tom. to find out. I think that his insurance is Blue cross blue sheild.
What do you guys think?
O I wont get rid of my current insurance until I am for sure covered by his. Thanks. Hopefully his will cover me. I really wanna just go to one job.
Yes, they will cover it.
