How do I make a claim?

How do I make a claim?

Claims can be of 2 types-
 
1) Cashless claims: A cashless claim means you don’t pay anything from your pocket if you choose to get treated at any of the network hospitals of the insurer. As per your health insurance plan, your insurance provider will cover your treatments. However, do keep in mind that the extent of this will depend on your plan and coverage benefits.
 
Step 1: Please inform the insurer at least 2 to 3 days before any planned hospitalization or within 24 Hours of hospitalization in case of an emergency.
Step 2: Show your e-health card and ask for the pre-approval form at Medi assist help desk/insurance helpdesk at the hospital.
Step 3: Fill and sign the form and submit it at the helpdesk.
Step 4: If everything is ok, then you can go ahead with the treatment using the cashless facility. Make sure that the treatment is done within 15 days of approval.
 
2) imbursement claims: Reimbursement claim is one of the most common types of health insurance claims. In this case, you can get treated at any hospital, whether it is a network hospital or not doesn’t matter. As per your health insurance plan and coverage benefits, you can apply for a reimbursement within 15 days of discharge.
 
Step 1: You need to call the insurer within two days of your admission date. Post call, one link will be sent where soft copies of all original documents (bills, reports, etc) and bank details can be uploaded.
Step 2: Before uploading, you need to sign all the documents yourself. You also need to write ‘For Digit Insurance’ on them. Keep all originals handy as the insurer may ask for them if required.
Step 3: Upload the documents within 30 days from the date of discharge or when you receive the link.
Step 4: Insurer will keep you posted on any additional requirements.
Step 5: You will receive the payment within 30 days from the receipt of the last necessary claim document.