Health insurance for Parents: Casless & Reimbursement Claim Process

The life of an individual is a gift from God and on earth parents are the other face of God. But with the growing age, the risk of health increases and costs to maintain the health of the parents touch the sky. To be on the safer side and to save your hard earned money from draining in hospital bills one should take health insurance for their parents. But only owning a health insurance plan is not enough, you should also know how to make a health insurance claim when required.

What Is Health Insurance For Parents?

There are health insurance plans available in the market that give coverage to parents and senior citizens. We all want our loved ones to stay as healthy and fit as possible. However, it can be very expensive to take care of their health without medical insurance. That is why we need medical insurance for parents to take good care of their health without worrying about financial issues.

Types of Parent's Health Insurance Claims

There are two ways to file a health insurance claim:

• Cashless claim
• Reimbursement claim 

When you take treatment at a network hospital i.e. the hospital which has a partnership with the insurance company is known as a cashless claim. In this claim process, you don’t have to pay any kind of cash from your pocket and the insurance company will directly pay the bill amount to the hospital from your sum insured. 

A reimbursement claim is the type of claim in which your bill amount will get reimbursed to your bank account. In this claim process, you have to pay all the bills from your pocket and then the insurance company will reimburse those bill amounts to your bank account after verifying all bills and documents submitted by you.

Steps To Make A Parent’s Cashless Health Insurance Claim

Follow the given steps to make a cashless claim for your parent's health insurance:

Step 1: Get Treatment at Network Hospital

The very first step to a cashless claim is to get treatment at the network hospital. So to get a cashless claim, admit your parent to a network hospital.

Step 2: Inform Your Insurer

After getting admitted to the network hospital immediately inform your insurance provider.

Step 3: Share Your Health Card Details With The Hospital

After admission, provide your health card to the hospital so that they can proceed with the further process.

Step 4: Medical Treatment

Get the required medical treatment for your parents 

Step 5: Claim Settlement 

When you are done with all the treatments and you are about to get discharged then your insurance provider will settle the bill.

How To Make A Parent’s Reimbursement Health Insurance Claim?

Follow the given steps to make a reimbursement claim for your parent's health insurance:

Step 1: Inform Your Insurance Provider

The very first step of the reimbursement claim is to inform your insurer after getting your parents admitted at the non-network hospital.

Step 2: Get Medical Treatment

After getting admission to the hospital take the required treatment that is needed.

Step 3: Pay The Medical Expenses 

When you get treatment at a non-network hospital then you have to pay all the bills from your pocket at the time of discharge.

Step 4: Fill The Claim Form And Attach the Required Documents

Ask for the claim form from your insurance provider or you can find it online on their official website. Fill out the required details and attach the required documents.

Step 5: Track the Claim Status

Once you are done with submitting the claim form and documents, you can track your claim status by visiting the official website of the insurer.

In case you face any difficulty in making the claim, you can always reach out to your insurer on call or seek assistance from us at InsuranceDekho if you have bought the policy with us. To connect with us on call +91-755 1196 989 or send mail to support@insurancedekho.com

Documents Required For Health Insurance Claim

There are certain documents that are required to file the claim and without those documents, the claim will get rejected. 

• For cashless claims at network hospitals, you will need only the health card which has been given to you by the insurer.
• Documents that are required for filing the reimbursement claim are:
• Claim form 
• Hospital bills
• Discharge summary
• ID proof
• Health card or policy document
• KYC details
• Bank statement

Common Reason For Claim Rejection

When you file a claim there must be a chance that the claim will be rejected due to some reasons. Go through the below-listed reasons for the rejection of the claim in most of the case:

• Inaccurate information is provided to the insurer.
• Filing a claim during the waiting period.
• Information about Pre-existing diseases is not disclosed to the insurer.
• When policy expires or lapses.
• Delay in filing the claim.
• Filing a claim for the exclusion of the policy documents.

FAQs

Ques 1. What is the reimbursement process for health insurance?

Ans. Reimbursement claim is given for the treatment taken at the non-network hospitals. In this process, you have to pay all the expenses for the treatment of your parents and then your insurer will reimburse all your bills to your bank account that are covered in the policy document.

Ques 2. What is the time limit to file a reimbursement claim?

Ans. The time limit depends on the insurer to insurer and also depends on the plans. In most cases the time limit ranges between 7 days to 30 days after receiving the treatment.

Ques 3. What can I do if my health insurance claim for my parents is rejected?

Ans. If your claim gets rejected, go through the explanation that the insurer gave, gather the additional documentation that may be needed, and submit a request for review. For more help, you can also get in touch with the insurance ombudsman.

Ques 4. How can I make a cashless claim for my parents' hospitalization?

Ans. Make sure your parents are admitted to a network hospital, inform the insurance company, and provide the hospital with the necessary paperwork in order to take advantage of a cashless claim. The hospital's bill will be directly settled by the insurer.

Ques 5. Can we claim health insurance immediately?

Ans. No you can’t claim health insurance directly there are certain waiting periods that you have to serve before getting a claim. There are riders available through which you can reduce your waiting period but that also depends on the insurer and the plans you have purchased.