Health Insurance Claims Process that Doesn't Require Cash
When an insurance provider offers a cashless claims option, it implies that if you are hospitalised, you will not be responsible for any of the covered charges since the insurer will pay the hospital directly on your behalf. However, such a service is only provided at a few number of hospitals that have signed insurance company agreements. On the Tata AIG website, you may find a list of Tata AIG's Network Hospitals.
Hospitalization is scheduled.
It's planned hospitalisation if you've established a date for a certain therapy or operation and are aware of the need for hospitalisation ahead of time. In this instance, the following procedures must be followed:
Step 1: Contact your insurance company. The cashless claim form must be emailed or mailed to the insurance company at least five days prior to the treatment.
Step 2: Keep an eye out for the letter. The insurer will contact the hospital and send you a confirmation letter once they receive your cashless claim form. The validity of a cashless claim confirmation letter is seven days from the date of issue.
Step 3: Send the mail to the recipient. The health card and confirmation letter must be submitted on the day of admission. This is where your job ends. The medical expenses will be paid directly to the hospital by your insurer.
Hospitalization is required in an emergency.
Emergency hospitalisation occurs when a hospitalisation is abrupt and unexpected, such as in the case of an accident. In this instance, the following procedures must be followed:
Step 1: Contact your insurance company.
Within 24 hours after hospitalisation, the insurance company or its TPA (third-party administrator) should be notified to generate a Claim Intimation/Reference Number. The following are the documents that must be presented in order to use the Cashless services.
Policy on Insurance Cards Customer ID Proof is a copy of the customer's ID with a photo of the customer's address.
If the claimed amount exceeds Rs 1 lakh, you must submit a completed CKYC form.
Step 2: Additional documentation
The hospital must complete and submit a cashless claim request form to the insurance carrier.
Step 3: Write a letter of authorization.
The insurer will send a permission letter to the hospital when the cashless claim form is submitted. In this scenario, too, your insurer will pay the hospital's medical expenditures immediately. If you are rejected, you will get notification through letter to your registered mobile number and email address.
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