How to Claim Health Insurance

Types of Health Insurance Claims

Documents Required for Health Insurance Claims

Cashless Claims Process

Reimbursement Claims Process

Can My Health Insurance Claim Be Rejected?

Conclusion

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Cashless Claims in Network Hospitals

Cashless Claims in Non-Network Hospitals

Reimbursement Claims

Choose a Network Hospital

Basic Identification

Hospitalization Records

Medical Prescriptions and Notes

Test and Medication Details

Additional Documents

Choose a Network Hospital

Pre-Authorization Request

Approval from Insurer

Receive Treatment

Post Discharge

Inform the Insurer

Collect Documents

Submit Claim

Claim Assessment

Approval and Reimbursement

Incomplete Documentation

Policy Exclusion

Non-Disclosure of Information

Delayed Intimation

Fraudulent Claims

Policy Lapses

Claiming During the Waiting Period

Exceeding Total Sum Insured

Erroneous Medical Diagnosis

Role of Insurance Regulatory and Development Authority of India (IRDAI)