While planning or while purchasing an insurance policy for health the only hectic and panicking thing to do is the settlement. While claiming the policy seems to be very simple there are a lot of complications and measures that need to be undertaken in order to get it done right. You need to have knowledge about the structure of your policy as well. with proper knowledge of the complete procedure the insurance claiming task can be dealt with much ease and without any complications or worries. And in today’s time it has become mandatory for almost everyone to invest in an insurance policy. No matter how healthy you are having a health insurance or not is not a choice anymore and hence you need to be well-versed with the entire procedure
There are different types of claims that you can make depending upon your policy and the situation. This can be a reimbursement, a cashless claim etc. there are some necessary points that you need to keep in mind if you are looking out for a cashless claims. Let us help you out as to how to do it right and peacefully!
Firstly whenever you decide to opt for a cashless claim by your insurance company for hospitalization make sure that the medical illness that you are being treated for is covered in your policy. Check whether it meets all the terms and conditions and if there are any clauses involved as well.
Next check whether the hospital that you plan to get treated at has a tie-up with the hospital. Without a tie-up the hospital cannot accept your claim and the policy will obviously be declined. Check with your insurance company if they could consider policy under a special case.
After this make sure that you intimate your insurance company well in advance about the claim that you plan to make and for the specific ailment. Make it clear if you need a cashless policy or reimbursement. Fill up all the necessary forms so that the claim gets approved on a prior note.
Submit all the documents of approval provided by your insurer to the hospital you are planning to get treated in. Share the copies of the same and make sure to keep the original documents with you.
After the approval has been completed ask for the copy of the confirmation and other records as the original forms would be with the insurer.
Check about the pre and post hospitalization process and make sure you retain every single bill shared with the hospital with you. This is especially if you have opted for a reimbursement.
Following these steps makes it very easy for a patient to claim his or her insurance. Hospitals in Dubai usually have a tie-up with most of the insurance companies in Dubai and so do the clinics in Dubai. You can consult your family doctors in Dubai as well in case you are confused about this complicated process.
