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How do I fill health insurance claim form?

October 30, 2018
By taking out a health insurance plan, you seek to secure your monetary resources against potential contingencies. A health insurance claim is when you request reimbursement or direct payment for medical services obtained. The way to obtain benefits or payment is by submitting a health insurance claim via a form or request. A health insurance claim can be made through two different channels. The first way, which is very convenient, is when your medical services provider can submit the claim directly to the insurance company through the network directly electronically. The other way is by filling in the health insurance claim form and sending in the paperwork yourself. If your health service provider is not in the network for your health insurance company and cannot file the claim on your behalf, then you will have to file a health insurance claim form to request payment for the medical services obtained. 

Before filling in the health insurance claim form, there are certain things to keep in mind. Following are important pointers for you to fill in the mentioned form:

  1. Obtain itemized bills: This is important as the itemized bill lists every service that was medically provided and also gives the cost of each of the services. Make sure any medications or drugs provided during any treatment are clearly listed with itemized costs. The health insurance company requires the attachment of the itemized bill to the claim form.
  2. The form is self explanatory and you have to fill in the details like your insurance number, the dependent person who received the insurance, the purpose of claim (i.e. the occurrence for which the corpus is being claimed) etc.
  3. Fill in your name, relation with the insured person (in case of primary dependents like children etc.)
  4. Write your address and other relevant details (the details should match the information given in original policy documents).
  5. Enter the amount/tax ID etc. and other details that are listed.
  6. Before you start filling in paperwork and heading to the post office, always check your health insurance company's website.
  7. You may also be able to fill information online and submit at least part of the claim via your health insurance company website. If they do not offer full online submission, you may be able to start the claim and just mail in the supplementary documents with the associated reference number.
  8. It is always more convenient to fill the details online and to complete the entire form filling process in online mode.
  9. The benefit to submitting claims online is that the payment for your claim may be significantly faster, in some cases 24 hours. Getting your payment processed as fast as possible is worth going through the trouble of setting up an account to manage your services online. There is also a good chance that when you fill in your form online, you will also immediately see what portion of the claim is covered.
  10. Once you have your claim form filled out and your itemized bills from your doctor, don't forget to make copies of everything. It will eliminate any errors that may be made in the claim process and make it easier for you to re-file your health insurance claim if it gets lost.

To make sure everything is completely accurate, call your health insurance company and tell them you are about to send in your health insurance claim form. Review with them all the paperwork you have and ask them if there is anything else you need. Also, ask your insurance company how long should you expect to wait for your claim to be paid and mark that date on your calendar

HDFC Life offers health insurance plans with an extremely impressive claim settlement ratio. For further details, click on the mentioned link: https://www.hdfclife.com/health-insurance-plans.

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HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

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