Insured may have two different health insurance policies from two different companies or from a company, in the time of claim insured must inform everywhere about them.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger.
Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily. People are now-a-days fell ill often and pay a huge amount of money to get rid of that illness, for treatment n good hospitals etc. but spending so much for treatment is not a matter of joke as everyone has not that capability. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness.
Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc.
It often happens that an insured can have more than one health insurance policy to cover all type of medical expenses. One of the reasons for having two different policies is that insured may take a policy separately to take extra protection against the security offered in any company’s insurance policy. Another reason can be that an insured may has an old policy and has taken the second health policy to get more protection. Third reason may be that among two policies, one is for protection of the parents and the other for children.
Process to make more than one claim: In the year 2013, the IRDAI made some changes in the insurance rules; but before these changes, there was a supply to make a contribution to every insurance plan. As per this, the insurance holder will contribute the sum similar to the proportion of sum insured while presenting the claim. Now the process has become simpler and simplified.
According to new reforms, if the claiming amount is less than the insured sum then the contribution rule will not be applicable but if the claim is presented by the insured is higher than the sum insured, then this rule will be applicable. Bu it will be above the interest of the insured that he will present his first claim to the company.
Cashless claims:
In this event, insured need to submit the claim in front of an insurance company and take a complete description of it. At the end of the process, insured will need to verify copies of all bills where insured need to submit a claim for the balance repayment with another company.
Reimbursement Claims:
Cashless claims are very comfortable as the insurance company manages hospital bills directly but there are some hospitals that don’t follow this process. According to this rule, insured has to pay the full bills before and after starting of the health insurance claiming process where the company has to give the insured all the bills and documents that will remain with the insurance company.
Required documents to be filled in Rimber’s claim:
If insured take health insurance policy from more than one insurance company, then insured need to inform everyone at the time of hospitalization. After this, insured can select the first company from where insured can take the first claim as per the need. The needed documents are: Bill and receipt; Discharge form; Diagnostic test; Doctor’s prescription.
Final words:
While preparing for a health insurance claim, it is better to choose an insurance which can work first in which the claim work will be done faster and conveniently. Also insured must keep more than one verified copies of all documents mentioned which are mentioned in the hospital. If insured don’t make insurance companies aware about the two policies than any claim can be denied so it is better to tell every little detail.
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Published By
Subhra Bera
basic-healthinsurance.com
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