Disaster never comes in life with any warning. We may have to face an emergency at any time. Therefore, we should always be prepared for any kind of emergency. So that you will be able to face any situation easily.

An emergency can end your years of savings. That is why people resort to health insurance. So that any medical emergency does not affect their pocket when needed. However, often we do not know how it can be claimed.

Emergency - How to claim health insurance?

If any kind of emergency comes, it can be claimed by following the steps given below.

Step 1- In case of emergency, you have to deposit some money in advance at the time of hospitalization. Always keep your KYC document ready for verification.

Step 2- Along with this, inform the health insurance company or TPA (third-party administrator) as soon as possible.

Step 3- Apart from this, submit the insurance card and valid ID photo to the hospital as soon as possible.

Step 4- With the help of the hospital, send a pre-authorization request to the company or TPA as soon as possible. In this, the hospital will inform the bank about the estimated expenses in advance.

Step 5- Along with this, keep a photocopy of all the documents received from the hospital. Because the hospital will keep the real documents with itself for the claim process.

If your pre-authorization request gets rejected, you can still claim insurance. For this, you will have to submit all the documents and bills to the company or TPA.

Despite this, if any company or TPA refuses to claim, then you can complain about them on the IRDAI website or their email ID complaints@irdai.gov.in. You can also call their toll-free number 155255 or 1800 4254 732.

If you are getting treatment in a hospital that is not in the network of your insurance company. Even then a claim can be made.
Step 1- First of all you have to inform the insurance company within 15 to 30 days after discharge.
Keep in mind that the rules of different companies may be different.
Step 2- After this, you will be given a claim number. You can also use this number in the future.
Step 3- Then submit all the documents and the bill of medical expenses to the insurance company or TPA.
If the company needs any other documents, they will contact you. The company will start the payment only 30 days after the documents are submitted.

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.