| You never realize how good or bad your health | | | | the right to dispute it. Insurance companies have to |
| insurance is, till you come across the time when you | | | | give the reasons for which the claim was rejected, in |
| have to file the claim. There are some companies | | | | writing. You may also take legal help if it is a big |
| that impose numerous protocols on you, making you | | | | amount and you badly want the insurance money. |
| sick of running around for the claims. So, it is better | | | | Before that, you have to speak to the customer |
| to invest in a health insurance company that is | | | | service of the department and see if the matter can |
| known to be good and easy when it comes to | | | | be sorted out. Talk to someone high in authority and |
| processing claims. | | | | see if he can solve your case or give you a |
| How do you file a health insurance claim? You may | | | | satisfying answer. |
| have to call up the toll free number listed on the | | | | Write an email to the claims manager, the vice |
| website and they will ask you to fill a form with | | | | president of the company or someone who is charge |
| relevant details about the illness. You can also | | | | of handling grievances and see if you get a good |
| download the claims submission form from the | | | | reply. Make sure that you write everything in the |
| website and fax or email to them. Most health | | | | letter, your insurance claim details, the case numbers |
| insurance companies accept the doctor's letter as | | | | which were given by the customer service |
| vital proof with a mandatory provision that a person | | | | executives when you spoke to them on phone, the |
| should be hospitalized for 24 hours. There are some | | | | replies you have got and all other supporting |
| health insurance companies who tie up with third | | | | documents or materials that you could possibly |
| party providers who handle the claims part. | | | | provide to support your case. You may even ask |
| There are some health insurance policies who will give | | | | your doctor if you are in his good books to help you |
| you limited coverage for certain diseases and | | | | out with the matter. He will also be in a position to |
| procedures and expect you fund the remaining | | | | escalate the matter. |
| amount. There are some cases where you are given | | | | When everything fails, you can write to the |
| full refund and there are also cases in which you are | | | | regulatory body of the health insurance company or |
| given cashless benefit. For that you may have to | | | | the headquarters of the insurance company. You can |
| look up at hospitals that are tied up with your | | | | also send a mail to the regional health officer citing |
| insurance company. | | | | your problem. If you feel that your claim should be |
| Insurance companies do pay for the claims if the | | | | honored, you can go higher up through proper |
| paper is in order and nothing can be argued with. | | | | channels, apply pressure and see it to that they give |
| However in case, the insurance is rejected, you have | | | | you a patient hearing and give a satisfactory reply. |