Illness is a part of the city lifestyle, with high levels of stress or old age its inevitable. To decrease ones financial burden at the time of emotional ordeal we at Presha Investments recommend Health Insurance.
Health insurance, also known as mediclaim, has become a modern day necessity. However, we have found that in the recent past, many policyholders have seen their claims being denied by insurance companies for one reason or another. Here are some tips on how to maximise on your policy.
Read Your Proposal Carefully
Some time insurance agents hide certain facts so that the proposal is accepted .We don’t advise to lie but incase you have a policy based on some unspoken facts please make sure they don’t turn against you.
Original bills
Health insurance, also known as mediclaim, has become a modern day necessity. However, we have found that in the recent past, many policyholders have seen their claims being denied by insurance companies for one reason or another. Here are some tips on how to maximise on your policy.
Read Your Proposal Carefully
Some time insurance agents hide certain facts so that the proposal is accepted .We don’t advise to lie but incase you have a policy based on some unspoken facts please make sure they don’t turn against you.
Original bills
Most insurance companies ask for original bills to be submitted while filing for a claim. So, maintaining a record of all the original bills that are generated during the course of hospitalisation is very important with the prescription
Filing the claim
Filing the claim as soon as possible is of utmost importance. In case of most insurance policies, the claim has to be filed within 60 days of hospitalisation. Waiting beyond that can create problems with the insurer dilly-dallying on the payments.
Post-hospitalisation benefits
These benefits are essentially for the treatment required after the individual is out of the hospital.
Please note that these are the base guidelines and may differ from one insurance company to other and also from policy to policy. Always make sure you have a good insurance agent to guide you through this difficult time.
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