How To File Kotak Mahindra Health Insurance Claim?

There are many health insurance companies in India, but choosing a good insurance provider is important. When you have a trustworthy health insurance provider, not only do you have excellent coverage, but you also get the best service, which is an essential requirement. The Kotak Health Insurance Company is a leading health insurer in India, offering some very good and well-defined medical insurance covers. Read on to know how you should claim health plans from Kotak Mahindra and what benefits you can get once you do so.

Features of the Kotak Mahindra Health Insurance Plans

• There are over 4000 network hospitals associated with Kotak health insurance. As a result, you find a hospital in practically every corner of the country.
• The company has an incurred claim ratio of 49.22%.% (FY20-21).
• You enjoy lifelong renewability with the Kotak Health insurance plans.
• For most pre-existing diseases, there is a waiting period of 4 years under the Kotak health plans.
• Many options to choose from including family floater plans, individual health plans, critical illness plans, etc.
• 24/7 assistance from an excellent customer support team.

Claim process of the Kotak health insurance plans

Cashless claim

• In the case of a pre-planned hospitalisation, inform the insurer by calling on the Kotak Mahindra health insurance customer care number, at least 48 before you get admitted and submit a duly filled and signed pre-authorization form.
• If the admission happens due to an emergency, you need to fill out the pre-authorisation form at the time of admission. This needs to be done at the help desk situated at the hospital within 24 hours.
• Alongside this, you need to submit the documents to the hospital TPA desk.
• If approved, the insurer will directly pay the hospital and your claim will be settled. Only the inadmissible portion would be payable to you.

Reimbursement claim

• If you get treated at a non-network hospital, you have to call Kotak Health Insurance on 1800 266 4545 and inform them of the hospitalisation at the earliest, preferably within 24 hours of getting admitted.
• Collect all the original bills, reports, doctor’s prescriptions, discharge summaries, and receipts from the hospital and file them accurately with the insurer.
• Try to file the claim within 30 days of getting discharged from the hospital. If all the clauses are met and all the documents are in place, the claim amount will be reimbursed directly into the account details provided by the insured.

Conclusion

If you have a specific health condition, or if you are aged, the insurance provider may ask you to undergo a pre-policy health test. Agree to the test and get it done so that you get your health insurance plan in a smooth and hassle-free manner.

Also read: How To Pay LIC Health Insurance Policy Premium Online

Is Universal Sompo Health Insurance Good