Thread by @joinditto

Here's a simple guide on how you can effectively claim your health insurance👇

Part 1- Cashless claims.

A thread.🧵(1/10)

#Insurance companies have tie-ups with a number of hospitals to manage cashless claims, you might have heard them, cause insurers love to brag about them. (2/10)

They are called network hospitals and here, the hospital and the insurance company settle the claim amongst themselves, with little to no effort from your part. (3/10)

The first step for a successful cashless claim is to reach out to the insurance desk/department of the network hospital you are getting admitted to.

For emergencies, make sure you inform the insurer about cashless treatment within 2 days of #hospitalization. (4/10)

If this is a planned treatment, you should ideally intimate the insurer at least 3 days prior to the treatment. (5/10)

Submit your insurance card or soft copy of the policy document and ID proof. You may also need to fill a form that they’ll provide you. (6/10)

From here on out, you need not involve yourself in any hassle.

The hospital will send the claim request, communicate with the insurer, and take care of everything. (7/10)

Once the request is approved, you’ll receive an SMS or email.

The claim will be settled, and the process is complete. You may have to pay a nominal amount for consumables, etc. (8/10)

But, in case your request for a cashless claim fails, (perhaps due to some technical reasons) you’ll be notified by the insurer and hospital regarding the same. (9/10)

Though you will have to pay the bill out of your own pocket, worry not. You can still apply for reimbursement once you are discharged.

Stay tuned for part 2 on reimbursements! (10/10)

Need help with buying a #healthinsurance? Talk to us on WhatsApp- bit.ly/3eIrQy6

Note: if a cashless claim has been rejected by the insurer due to withholding of information or because your situation falls under the policy exclusions, then it's likely that you won't get reimbursed for your claim.