As the saying goes, “prevention is better than cure”. And so it is important to know what preventive measures you can take to ensure that your health insurance claims are not rejected.
- Don’t have any delays in paying your health insurance premium to ensure continuous coverage.
- Remember to go through the policy document carefully and note the terms and conditions, the exclusions, deductibles and co-payments.
- Ensure that all your details, like your name, address, etc. are the same on all the documents.
- Collect all the required documents and necessary proofs like medical bills, doctor’s prescriptions, at the time of hospitalization.
- Make sure you submit the claim request within the time limit, usually 30-90 days from the date of hospitalization.
- Send all the medical records and documents to the third-party administrator (TPA), and in the case of post-hospitalization costs, this should be done within 90 days of hospitalization.
- Always make copies of all the documents submitted with the claim form to the TPA, for future reference.
- Double-check the insurance claim form before submitting it to ensure that it has all the correct information. You can even keep multiple forms handy in case you make a mistake and need to re-fill it.
If you file a health insurance claim and it gets rejected, it can be a very stressful time. Hence, it is good to know that there are methods that you can use your claim is rejected. However, it is always better to try and avoid rejection than to take these remedial measures after the fact.
Try to make sure not to give your insurer a reason to reject your claim, and always renew your health insurance policy on time so that it is active, and you can file a claim during any medical emergency.