How To Claim Cancer Health Insurance?

As cancer is one of the deadly diseases ,it is important for one to have a cancer health insurance policy in hand. One should have a basic knowledge of the claim process and documents required so that they can get a claim easily at the event of any medical emergency.  

What is a Cancer Health Insurance?

As we know cancer is one of the most deadly diseases in the world today. Unfortunately, it is counted as one of the most expensive diseases to be treated. Cancer can Strike anyone at any time. Today with modern medicare facilities it is possible and easy to fight such critical disease. But the cost associated with the recovery and treatment of it can be a huge strain on one's finances. In order to counter these costs, you need a health insurance policy specifically made for cancer patients to avail facilities that other traditional health plans may not provide.

Claim Process of Cancer Health Insurance

In case of any emergency , you need to immediately inform the insurance company and follow the below mentioned process:

Step 1: Inform the insurance company
In case of any medical emergency ,if you get hospitalized the first thing you need to do after admission is to immediately inform the insurance company about the hospitalization and expected expenses. you can either contact them directly or through TPA.

Step 2: Submit Required Documents
After informing the insurance company, your insurer will provide you with the claim form .You need to fill the claim form and duly sign it and submit it to the insurance company with other required documents for verification purpose and evaluation of reimbursement amount. It is to be noted that all the documents should be signed and stamped.

Step 3: Submission of Bills
With the required documents you need to submit the bills too. The bills would include hospitalization bills,doctor's consultation bills, pharmacy invoices etc.

Step 4: Appointment of Surveyor
On the submission of documents the insurance company will appoint a surveyor to verify the authenticity of the case and hospitalization.

Step 5: Claim Approval/Rejection
If the insurance company feels satisfied with the documents they will approve the claim and you will get the reimbursed amount but in case of any issue the claim might get rejected and they may ask for more documents for further proceedings.

Documents Required for Claim Process

For a smooth and hassle-free claim process, the below mentioned documents are required to be submitted to the insurance company. However, the insurance company might ask for other documents depending on the case.

• Duly filled in and signed claim form
• Medical certificate
• Prescriptions
• Investigation reports
• Other procedure reports like that of radiology, chemography

Cancer Health Insurance Exclusions

Though a cancer health insurance plan provides various kinds of coverage and facilities, it does not cover all the cases and situations. These are called exclusions. Here are some cases not covered by such plans.

• Skin cancer
• Any pre-existing condition of cancer or its symptoms
• Any type of cancer caused or triggered by sexually transmitted diseases such as AIDS or HIV
• Nuclear, biological or chemical contamination (NBC)
• Caused or triggered by alcohol or drugs

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.