Health insurance kaise claim kare
kuch aisi baate hain jo agar aapne policy lene se pahle or treatment ke time par na dhyan di to health insurance me invest kiya gya paisa waste hota najar aata hai. Aayiye dekhte hai ki Health insutance claim kaise kare or policy kharidne se pahle kin baato ka dhyan rakhe or inse judi problem kaise solve kare.
Health insurance apne aap me ek aisi security hai jo aapko life enjoy karne ka vayda karta hai or aapke body me kisi bhi tarah ki pareshani me hone wale kharche ka jimma insuranc company leti hai.
Insurance policy Chahe jo ho kharidne se pahle aap bahut kuch check karte hain. Health insurance inme se ek hai jisme aap har tarah ke cover check karte hain or puri tarah santusht hone ke baad hi choose krte hain. Lekin jab aap is policy ko claim karane ke liye ek se dusri or fir tisri jagah daudate hain to health insurance bekar ki chij lagne lagti hain.
Health insurance kharidane se pahle dhyan dijiye
Kayi baar aap health policy kharid to lete hain or jab claim ke liye jate hain to aapko pta chalta hai ki aapne jo policy li hai wo har tarah ke health problem protect nahi karti. Iska reason policy kharidate time aapke chhoti si galti hai. Aur wo galti hai health insurance or mediclaim policy me fark na kar pana.
Health policy aur mediclaim policy me kya antar hai
Aksar kuch log health insurance ki jagah par galati se mediclaim policy le lete hain. Mediclaim policy me apko accident ya pre- specified bimariyo ke liye claim milta hai. Jabki health insurance me apko accident ke sath lagbhag 30 se jyada kisi bhi prakar ki bimariyo ke liye claim mil sakta hai.
Abhi check karne ke liye yahan click kare
Reliance general insurance
Birla sun life insurance
Easy policy
Cover fox
Kuch private hospital patients ko medical insurance covered jankar bahut se aise treatment karte hain jiski koi jarurat nahi hoti or aise unneccessary treatment ke liye claim nahi milta hai.
Ye bhi padhe :-
Health insurance claim karne ke liye treatment se pahle dhyan dene layak baate
1. Agar emergency case na ho to treatment se pahle clear kar lijiye ki hospital ka registration certificate hai ya nahi. Kyoki agar hospital ka valid registration nahi hai to insurance comapny claim dene se mana kar sakti hai.
2. Koshish kare ki insurance karane ke baad isase related hospitals ki list TPA ki website me jakar dekh lijiye. Treatment se pahle bhi check kare Kyoki har saal kuch hospital inki list me add or remove hote rahte hain.
3. Private hospital me dhyan de ki bill jyada se jyada na bane kyoki aisa karne par aapki policy ki value kam hoti hai. Or agla kiya gya insurance kam value ke sath hota hai. Sath hi is treatment ke baad agle treatment ke liye bhi value kam hoti hai
4. Koshish kare ki kam se kam kharch me treatment ho jaye. Agar aapne health insurance kara rakha hai to iska matlab yeh bilkul nahi hai ki aap manmana tarike se treatment kara sakte hain. Aapke dwara kiya kharch me unneccessary kharcho ko clim ke time deduct ( kata ) ja sakta hai. Isliye jaruri treatment hi karaye.
5. Discharge hote samay bill ko achi tararh check kare or bill ko sambhal ke rakhe. Kyoki bill ek aisa document hai jo health insurance claim karane ke liye bahut hi important hai.
Health insurance claim process in hindi
Agar aap cashless claim kar rahe hai to aapko kisi tarah ke paper ki jarurat nahi hai. Cashless claim ko hospital khud hi settle krta hai. Hospital insurar ( insuramce company ) ko sare bill or documents complete karke provide kara dega. Bas aapko discharge hone se pahle sare papers ek baar dekhne honge.
( NOTE- agar aapke claim me kisi bhi tarah ki problem hogi to insurer aapse contact karke ise cancel bhi kar sakte hain or hospital ke bill ke barabar paise aapko insurance company ko bharne padenge. )
Lekin agar claim reimbursement ho rha hai to aapko sare document kayde se prepare karke insurer ko provide karane pdte hain. Kyoki reimbursement claim me aapko hospital ka bill discharge hote wakt chukana pdta hai jo baad me insurer dwara wapas kar diya jata hai. Isake liye in steps ko follow kare
Step 1:- hospitalize hone se pahle insurer ko inform kare. Ek acknowledge number milegause note kar lijiye.
Step 2:- Claim form achi tarah bhare.
Step 3:- claim fom ke sath ye paper complete kare
1. Discharge summary
2. Sabhi test or dignoatic reports
3. Doctor's prescription
4. Sabhi bills
Step 3:- ek cancel kiya hua chaque sabhi paper ke sath lagayiye or electronic clearnce service form bhar kar insurer ko send kar dijiye
Kuch policy me aapko hospital me admit hone pahle or baad ke bhi expenses milte hain. Lekin agar aap cashless claim kar rahe hain to dhyan rakhiye aise expenses aapko reimburse claim karke milenge.
Sabhi papers ek baar me complete karke bhejiye. Aapke paper me kisi bhi tarah ki contradictory hone par insurer aapke claim ko reject kar sakte hain.
Health insurance claim reject ho jane par kya kare
Agar aapka claim reject kar diya gya hai lekin aapne jo papers provide karaya hai sab real hai or sabhi rules ke according hai to nirash mat ho.
Claim cancel hone par bhi aapke paas ek rasta hai. Aap iske against consumer forum bhi ja sakte hain. Lein iske liye aapko ani insurance company se aapke claim ka rejection written lena hoga. Matlab agar aapka claim reject kiya jarha hai to aap ise likhit mangiye. Kyoki ye likhit document lekar aap consumer forum me application de sakte hain
Health insurance apne aap me ek aisi security hai jo aapko life enjoy karne ka vayda karta hai or aapke body me kisi bhi tarah ki pareshani me hone wale kharche ka jimma insuranc company leti hai.
Insurance policy Chahe jo ho kharidne se pahle aap bahut kuch check karte hain. Health insurance inme se ek hai jisme aap har tarah ke cover check karte hain or puri tarah santusht hone ke baad hi choose krte hain. Lekin jab aap is policy ko claim karane ke liye ek se dusri or fir tisri jagah daudate hain to health insurance bekar ki chij lagne lagti hain.
Health insurance kharidane se pahle dhyan dijiye
Kayi baar aap health policy kharid to lete hain or jab claim ke liye jate hain to aapko pta chalta hai ki aapne jo policy li hai wo har tarah ke health problem protect nahi karti. Iska reason policy kharidate time aapke chhoti si galti hai. Aur wo galti hai health insurance or mediclaim policy me fark na kar pana.
Health policy aur mediclaim policy me kya antar hai
Aksar kuch log health insurance ki jagah par galati se mediclaim policy le lete hain. Mediclaim policy me apko accident ya pre- specified bimariyo ke liye claim milta hai. Jabki health insurance me apko accident ke sath lagbhag 30 se jyada kisi bhi prakar ki bimariyo ke liye claim mil sakta hai.
Abhi check karne ke liye yahan click kare
Reliance general insurance
Birla sun life insurance
Easy policy
Cover fox
Kuch private hospital patients ko medical insurance covered jankar bahut se aise treatment karte hain jiski koi jarurat nahi hoti or aise unneccessary treatment ke liye claim nahi milta hai.
Ye bhi padhe :-
Health insurance claim karne ke liye treatment se pahle dhyan dene layak baate
1. Agar emergency case na ho to treatment se pahle clear kar lijiye ki hospital ka registration certificate hai ya nahi. Kyoki agar hospital ka valid registration nahi hai to insurance comapny claim dene se mana kar sakti hai.
2. Koshish kare ki insurance karane ke baad isase related hospitals ki list TPA ki website me jakar dekh lijiye. Treatment se pahle bhi check kare Kyoki har saal kuch hospital inki list me add or remove hote rahte hain.
3. Private hospital me dhyan de ki bill jyada se jyada na bane kyoki aisa karne par aapki policy ki value kam hoti hai. Or agla kiya gya insurance kam value ke sath hota hai. Sath hi is treatment ke baad agle treatment ke liye bhi value kam hoti hai
4. Koshish kare ki kam se kam kharch me treatment ho jaye. Agar aapne health insurance kara rakha hai to iska matlab yeh bilkul nahi hai ki aap manmana tarike se treatment kara sakte hain. Aapke dwara kiya kharch me unneccessary kharcho ko clim ke time deduct ( kata ) ja sakta hai. Isliye jaruri treatment hi karaye.
5. Discharge hote samay bill ko achi tararh check kare or bill ko sambhal ke rakhe. Kyoki bill ek aisa document hai jo health insurance claim karane ke liye bahut hi important hai.
Health insurance claim process in hindi
Agar aap cashless claim kar rahe hai to aapko kisi tarah ke paper ki jarurat nahi hai. Cashless claim ko hospital khud hi settle krta hai. Hospital insurar ( insuramce company ) ko sare bill or documents complete karke provide kara dega. Bas aapko discharge hone se pahle sare papers ek baar dekhne honge.
( NOTE- agar aapke claim me kisi bhi tarah ki problem hogi to insurer aapse contact karke ise cancel bhi kar sakte hain or hospital ke bill ke barabar paise aapko insurance company ko bharne padenge. )
Lekin agar claim reimbursement ho rha hai to aapko sare document kayde se prepare karke insurer ko provide karane pdte hain. Kyoki reimbursement claim me aapko hospital ka bill discharge hote wakt chukana pdta hai jo baad me insurer dwara wapas kar diya jata hai. Isake liye in steps ko follow kare
Step 1:- hospitalize hone se pahle insurer ko inform kare. Ek acknowledge number milegause note kar lijiye.
Step 2:- Claim form achi tarah bhare.
Step 3:- claim fom ke sath ye paper complete kare
1. Discharge summary
2. Sabhi test or dignoatic reports
3. Doctor's prescription
4. Sabhi bills
Step 3:- ek cancel kiya hua chaque sabhi paper ke sath lagayiye or electronic clearnce service form bhar kar insurer ko send kar dijiye
Kuch policy me aapko hospital me admit hone pahle or baad ke bhi expenses milte hain. Lekin agar aap cashless claim kar rahe hain to dhyan rakhiye aise expenses aapko reimburse claim karke milenge.
Sabhi papers ek baar me complete karke bhejiye. Aapke paper me kisi bhi tarah ki contradictory hone par insurer aapke claim ko reject kar sakte hain.
Health insurance claim reject ho jane par kya kare
Agar aapka claim reject kar diya gya hai lekin aapne jo papers provide karaya hai sab real hai or sabhi rules ke according hai to nirash mat ho.
Claim cancel hone par bhi aapke paas ek rasta hai. Aap iske against consumer forum bhi ja sakte hain. Lein iske liye aapko ani insurance company se aapke claim ka rejection written lena hoga. Matlab agar aapka claim reject kiya jarha hai to aap ise likhit mangiye. Kyoki ye likhit document lekar aap consumer forum me application de sakte hain
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