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Finance

Steps for a smooth Cashless Health Insurance claims experience

Summary: Health insurance is truly a saving grace during an emergency. Enjoy a quick & easy process for a smooth cashless health insurance claim with 5 easy steps.

25 Oct 2022 by Team FinFIRST
documents for cashless health insurance claim
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Health insurance is truly a saving grace during a medical emergency. When you or your loved ones are in the hospital, the last thing you need is a tedious process to avail of the cashless facility. In such situations, it is best to be prepared to have a smooth insurance claims experience.

Let’s quickly walk through how to have a trouble-free cashless claim process.

Step - 1: Pick a network hospital
 

Depending on your health insurance cover and provider, you can access different network hospitals from the list of tie-ups your insurer has.

Step - 2: Inform the insurer or TPA
 

Informing the TPA (third-party administrator) or your insurer helps them process your request and approve it quickly. In case of planned hospitalisation, inform them at least a week prior to admission. Keep all your doctor recommendations and medical documents handy and send them a copy. You will then get approval for the cashless settlement, which you can use upon admission. If it is an emergency, inform them within 24 hours. 

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Step - 3: Know the inclusions and exclusions
 

All that is covered in your health insurance claims are listed in the health insurance  product Boucher/policy wording document. You must read it before sign up for health cover to be aware of the inclusions and exclusions. For instance, some policies don’t cover ambulance charges or medical consumables, while others have a cap on room rent. Thus it is best to know the nitty-gritty of your health insurance, so your claim doesn’t get rejected. 

Step - 4: Carry all the relevant identity and policy proofs
 

When filing a cashless claim, you must keep a few essential documents with you for faster processing. At the time of hospitalisation, you need your insurance health card and policy document. Before checking out, the TPA’s desk would have handled everything. You just need to ensure all documentation is in order to get discharged on time. 

Step - 5: Keep copies of the documents you submit

Even though you’ve chosen the cashless claim facility, keeping copies of the documents you submit for good record-keeping and future purposes is ideal. So in a time of need, you have them in your possession and don’t have to run around to secure them. 

In Conclusion
 

Health insurance is a must, especially since the COVID-19 pandemic. And as compared to reimbursement claims, cashless claims have you spend less and are also hassle-free. Metra Trust offers comprehensive health insurance plans through its insurance partner’s for everyone with quick cashless claims settlement at network hospitals across India. Choose one today and secure yourself and your loved ones! 

 

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Metra Trust or its affiliates to any licensing or registration requirements. Metra Trust shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.metratrust.com for latest updates.

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