A medical emergency can arise at an unexpected time and dent your savings. Medical bills can cost a fortune, so it is recommended that you secure yourself financially with a health insurance plan.

A health insurance plan covers healthcare expenses, including hospitalisation, medical tests, consultations, etc. You can compare health insurance policies from different insurance companies to purchase a plan best suited for you.

Now, if you want to raise a health insurance claim, you need to complete the health insurance claim form.

Types of Health Insurance Claims

Health insurance claims are of two types: cashless and reimbursement.

Cashless Claim

With cashless claims, the bills are settled directly by your insurance company. Thus you do not have to pay from your pocket.  However, it is essential to note that cashless claim facilities are now available even in non-network hospitals.

Reimbursement Claim

With reimbursement claims, you must pay out of pocket for the hospital bills; further, you can claim reimbursement for your medical expenses from your insurance company.  You must complete a health insurance reimbursement form to file a reimbursement claim at any hospital of your preference.

How to Complete a Medical Insurance Claim Form

Completing a health claim form can be pretty easy if done right. Follow the steps below to complete the claim form for reimbursement claims.

Gather Itemised Bills

This is an essential step, as an itemised bill includes all the medical services provided and their costs. Ensure that all the drugs or medications given during medical treatment are listed with itemised costs. The health insurance provider will require the itemised bill with the claim form.

 Gather Required Documents

 Before you fill out the medical insurance claim form, you should gather a few important documents. Your insurance company will require these documents to begin your claim settlement process. Following listed are the documents required:

• A copy of your health insurance policy.
• Proof of age (class X or XII mark sheet, PAN card, birth certificate, etc.).
• Proof of address (passport, aadhar card, driving licence, voter ID card, ration card, etc.).
• Photo ID Proof (PAN card, aadhar card, voter ID card, etc.).

Collect the Claim Form

Once you have gathered all the required documents in one place, you can start to fill out your medical insurance claim form. You can get a physical copy of your health claim form by going to the nearest branch of your insurance company. Otherwise, to get an online health claim form, visit the official website of your insurance form.

Start Filling Out Your Health Claim Form

After you get a health claim form from your insurance provider, start filling out the sections one by one. Make sure you have a few copies of the claim form; this ensures that you have a backup in case you mess something up.

Fill out all the necessary details, such as your insurance policy number, full name, phone number, email ID, and residential address.

Further, you may be required to provide hospitalisation and medical history details. In order to avoid rejection of your health insurance claim, ensure that you fill out all these details correctly.

Review and Submit Your Health Claim Form

Once you have completed filling out your health claim form, you can review it to identify if there are any errors before submitting it to your insurance company. You may not be allowed to change any details of your health claim form at a later stage.

Therefore, it is recommended to check it at least twice before you submit it to your insurer. Additionally, remember that your health insurance claim can be rejected if you provide incorrect information.

Attach all the Necessary Documents

To validate your claim, you must attach all the necessary documents after you submit your health claim form. The documents required are mentioned above. In case of an offline claim, you can submit hard copies of the documents to the insurance company. If you have filed a health claim online, you can upload soft copies of the documents.

To Wrap It Up

You must take all necessary precautions while filling out your medical claim form. This is because any errors can result in the rejection of your health claim, and you may be required to pay for all of the health expenses out of your pocket. Lastly, choose an insurance provider that offers a smooth claim settlement process to ensure a hassle-free claim procedure.