To claim medical insurance, follow these general steps:
Inform the insurance provider: Notify your insurance provider about the medical treatment or expenses you need to claim as per their specified process, which may include phone, email, or online claim submission.
Gather necessary documents: Collect all the required documents, such as medical bills, prescriptions, discharge summaries, diagnostic reports, claim forms, and any other supporting documents as per your insurance provider's requirements.
Submit the claim: Submit the claim form along with the supporting documents to the insurance provider within the stipulated period. This can usually be done online or by mail, depending on the insurer's process.
Review and follow-up: Once the claim is submitted, the insurance provider will review the documents and may request additional information if needed. Follow up with the insurer for any updates on the claim status.
Claim settlement: Upon approval, the insurance provider will process the claim and reimburse the eligible amount as per the policy terms and conditions. If the claim is denied, seek clarification from the insurer and provide additional information if required.