How do I claim my Mediclaim?

Mediclaim Policy is one of the Most sold Non Life insurance Products. Thanks to normal life getting more and more speedy and stressful. Under such circumstances is very natural to catch a few illness's and with the Rise in the doctors fees and other medicines life is becoming more difficult...

General Myths about Mediclaim..
1. The Insurance company finds reasons to deny the claims.
2. Insurance Company just takes the premium and rejects all the claims..
and the list goes on..

"I say NO. If claimed Properly, No claims can be rejected."
NO i dont own a insurance company and neither am i promoting any of the insurance companies.
Its my personal mediclaim that helped me write this and share my Experince With you...
For people who complain about not getting the claims..

Few things to remember...
Insurance Policy needs to be understood very carefully at the time of purchase.

For reimbursement Claims:

• Personally(Not the patient and not required if you have a good agent/advisor) visit the TPA.
• This will help you in understanding the office that you ill be dealing for you claim.
• Maintain a file of all the bills and make an excel with the Bill No, date and Amount.
• This sumarry will make the TPA go easy and fast as they would not need to search for papers or bills.
• Follow up Immediately after a week of Submittion. Generally TPA sends a letter incase any discrepencies in 15 days. This excersise will save you 7 days.
• And if all is well ... Hooray you will receive the cheque within a month of claim.
  

For Cashless:

• Keep your photoID ready.
• DO NOT FORGET to fill the Cashless form at the time of Admission.
• Follow up with the hospital Authorities whether they have received any intimation for cashless from the TPA. (Generally hospitals avoid cashless for want of immediate cash or other reasons. Not All But some.
• Once the hospital received the intimation.. Your work is done.