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Everything you need to know about filing a digital health insurance claim

Updated On Apr 19, 2022

When it comes to covering medical expenses incurred as a result of a sickness or hospitalisation, health insurance comes in handy. Comprehensive health insurance policies cover a variety of charges, including the cost of medications, hospitalisation and procedures, and doctor consultations, among others.

Why Should You Pick A Health Insurance Plan?

The following are some of the most important reasons to buy health insurance:

Protect Yourself Against Lifestyle Diseases:

Nowadays, an increasing number of individuals are developing lifestyle disorders such as diabetes, obesity, heart disease, pulmonary problems, and so on. While these diseases were once only found in the elderly, due to a sedentary lifestyle and increasing stress, they are also affecting the younger population. Because many of these conditions are chronic, if you are not prepared to deal with the consequences of a probable sickness or condition, you may end up spending a lot of money on testing and medicine. A comprehensive health insurance policy will shield you from unexpected costs incurred during routine examinations, as well as assist you with pharmaceutical costs.

Safeguarding the Entire Family:

Health insurers provide comprehensive policies that cover the complete family's medical needs. With hyper-personalisation now available, you may pick health plans that cover all of your family's needs without breaking the bank. Having a comprehensive family health insurance plan will keep you safe in the event of an accident, while also safeguarding your family and allowing you to provide them with the best possible healthcare.

What Is The Procedure For Filing A Health Insurance Claim?

The moment of truth for any insurance policy, especially a health insurance coverage, occurs when the claim is filed. The purpose of purchasing a health insurance coverage is to ensure that you are not concerned about the financial expense of treatment in the event of a medical emergency or when seeking medical care. It is as crucial to understand the claims procedure as it is to acquire a sufficient health insurance coverage so that you can rely on your health insurance policy in times of need.

When you make the decision to get health insurance, there are a few factors to consider. First and foremost, keep in mind that the plan kicks in when you are hospitalised or have to pay money for medical reasons. The health insurance will only handle your claims if your medical condition is covered by the policy, so check the tiny print carefully. It is preferable to pick a little more costly plan with better coverage rather than the lowest one with insufficient coverage.

Consider These Points When Filing A Health Insurance Claim

Medical crises are a huge source of anxiety, and the stress of the situation may cause you to overlook the claims procedure. These are some of the things to keep in mind in such circumstances -

  • Documents required  you must also present papers such as a valid ID proof, invoices of equipment and instruments used during the surgery, a cancelled check, a copy of the coverage plan, and any other documents required by the service provider in addition to the pre-authorization form and authentic medical documentation.
  • Keep in mind that health insurance claims are only valid up to the maximum you choose for your sum insured. If your claim exceeds this amount, you will be responsible for the difference. Check the sum insured and select a policy that provides enough coverage.
  • While there are various factors to consider when purchasing health insurance, it is always better to be safe than sorry. And this is especially true in the post-pandemic era, when we are constantly confronted with new events.

Take Away

Investing in a health insurance coverage is beneficial to your long-term financial and general well-being since it allows you to save money while also ensuring that you have the finances to take advantage of the best services available. Make certain you get the greatest health insurance package for you and your family.

Also Read: Is COVID-19 Version Omicron More Dangerous Than COVID-19 Delta?

What Can You Do To Make Your Current Health Insurance Plan Better?


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.

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