The Right Step to Make Health Insurance Claims

The Right Step to Make Health Insurance Claims. As a health insurance customer, you have the right to make a claim to get the benefits provided by the insurance company. However, before actually submitting the claim, it never hurts to understand step by step deeper to facilitate your health insurance claim process later. So how?

Insurance Education : The Right Step to Make Health Insurance Claims 

What are the procedures for health insurance claims?

Health insurance currently available is divided into two types. There are conventional (private) health insurance, and government health insurance. Both have different claims.

Well, so that your health insurance claim goes smoothly, try following the following procedures:
Steps for private health insurance claims

1. Understand the claim procedure

There are two methods that can be used to make insurance claims, namely cashless systems and reimbursement systems. Understanding the claim procedure is very important, because then you will be facilitated when you want to make a claim.

Especially if the insurance that you use applies a reimbursement system, where the submission of new claims can be made after all treatment is complete. As for cashless systems, you do not need to make any claims because all maintenance costs have been paid by the insurance company.

2. Submit a claim as soon as possible

Each health insurance company has a maximum time limit for filing claims. If you make a claim past the specified date, the insurance company does not hesitate to reject the claim.

In essence, the faster you submit a claim, the faster the claim process will be completed and the replacement fee.

3. Fill out the insurance claim form

Submitting an insurance claim is incomplete without filling in the claim form. Completion of this form usually includes all policy holder data in detail. Starting from the full name, ID card number, insurance member number, hospital data, health care data, and so forth.

4. Attach all required documents

After completing the form, don't forget to attach all documents related to your treatment. Whether it's outpatient or hospitalization.

Some health insurance companies usually advise you to contact insurance before starting the treatment process. The goal is to ensure that the treatment you are about to take can be covered by insurance.

After that, to simplify the insurance claim process, make sure you complete a document consisting of your identity, medical bill receipt, original medical record or photocopy, a letter of introduction from a doctor, and other supporting documents that are related to your treatment.

Do not let errors in the document you submit. This error can make a claim postponed or even rejected by the insurance.

5. Save a copy of the insurance claim file

If everything is done, don't forget to keep all copies of the files related to your health insurance claim. That way, you can maintain the possibility of loss of claim data on the insurance side. The Right Step to Make Health Insurance Claims.

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