5 Basic Companies Refuse Claims From Health Insurance
5 Basic Companies Refuse Claims From Health Insurance. The main purpose of using health insurance is to take the risk if one day you or your family experiences a difficult health situation.
Unfortunately, not a few participants complained that health insurance claims were rejected by insurance service providers when they were about to submit a claim for reimbursement of their treatment rates. The essence, what is the reason, huh?
Why are health insurance claims rejected?
Yes, the progress of convoluted claims may not be entirely wrong with the insurance company. If you do not understand the prerequisites for filing a claim, the insurance company has the right to refuse to approve the claim that you submitted.
Therefore, you should avoid some of the following if you do not expect health insurance claims to be rejected:
Take the example, if your insurance policy is not willing to bear hereditary diseases, the whole situation related to the disease is not the responsibility of the insurance.
Generally between 30-60 days after treatment, starting from the date of the start of your agreement with the insurance company. Well, if the submission of a claim that you do already exceeds the provisions listed, the insurance company does not hesitate to reject it.
This document includes receipts for payments during treatment; a certificate from a doctor which generally contains the name of the doctor, name of the patient, date of treatment, type of illness, type of medication, medical technique; a letter of introduction from a lay doctor if you are referred to a medical doctor; and others already listed in the insurance policy.
You will even be troubled if you want to make a claim, because the company must refuse the submission of such claims. The new insurance policy can be active again if you have already paid premium payments, or are eligible with an insurance agreement. 5 Basic Companies Refuse Claims From Health Insurance
Unfortunately, not a few participants complained that health insurance claims were rejected by insurance service providers when they were about to submit a claim for reimbursement of their treatment rates. The essence, what is the reason, huh?
Why are health insurance claims rejected?
Insurance Education : 5 Basic Companies Refuse Claims From Health Insurance
The importance of fully understanding the way insurance that you follow, is not only useful to make it easier when applying it. On the other hand, the implementation of claim submission will also be ensured to be smoother without obstacles.Yes, the progress of convoluted claims may not be entirely wrong with the insurance company. If you do not understand the prerequisites for filing a claim, the insurance company has the right to refuse to approve the claim that you submitted.
Therefore, you should avoid some of the following if you do not expect health insurance claims to be rejected:
1. Claims are not included in the insurance policy
The insurance policy that you receive when registering for insurance contains a number of regulations and what agreements are borne by the insurance company. Therefore, before making a claim, make sure, especially if the state of health that desires you to claim contained in the insurance policy, this is the case.
Take the example, if your insurance policy is not willing to bear hereditary diseases, the whole situation related to the disease is not the responsibility of the insurance.
2. Submission of claims via deadline
Another reason why health insurance claims are rejected is the reason for submitting such claims via the time limit stated in the insurance policy. The health insurance company, in fact, has usually set a certain time limit for handling claims.
Generally between 30-60 days after treatment, starting from the date of the start of your agreement with the insurance company. Well, if the submission of a claim that you do already exceeds the provisions listed, the insurance company does not hesitate to reject it.
3. The claim document is incomplete
Make sure you complete all document prerequisites when making a claim, if you don't want health insurance claims to be rejected by the company.
This document includes receipts for payments during treatment; a certificate from a doctor which generally contains the name of the doctor, name of the patient, date of treatment, type of illness, type of medication, medical technique; a letter of introduction from a lay doctor if you are referred to a medical doctor; and others already listed in the insurance policy.
4. Not honest about the history of the disease
Before you buy a health insurance policy, you will be asked to be honest about all the news related to the history of your illness. Avoid hiding certain diseases just so that the insurance party is willing to cover your medical situation later.
Too Read Look at the 6 Common Mistakes When Buying Health InsuranceThe reason is, if in the future you turn out to have an actual illness before buying an insurance policy, of course your health insurance claim will be rejected by the company. So, try to always reveal honestly about your health situation before using health insurance.
5. The insurance policy is inactive
Each health insurance company has a different range of premium payments. That is why, when you are late paying premiums, your insurance policy will be deemed inactive or suspended until you pay off the premium arrears.
You will even be troubled if you want to make a claim, because the company must refuse the submission of such claims. The new insurance policy can be active again if you have already paid premium payments, or are eligible with an insurance agreement. 5 Basic Companies Refuse Claims From Health Insurance
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