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Health Blog
07 Nov 2024
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The mediclaim insurance claim is a request raised by the policyholder to compensate for the incurred medical expenses for treatment. The insurer verifies the claims and settles the bills either directly with the hospital or reimburses the amount. It depends on the type of claim procedure one has selected. At Bajaj Allianz General Insurance Company, the claims are directly settled by the in-house claim settlement team of the company. No third-party administrator is engaged. At the sole discretion of the company, it reserves the right to engage a third-party administrator (TPA). The key objective of a best mediclaim insurance policy is to provide financial assistance at the time of need. Anyone who meets with any accidental bodily injury or might suffer an illness resulting in a claim must comply with the following:
The cashless treatment is available at network hospitals only. To avail of the cashless treatment, the following process needs to be followed:
*Standard T&C Apply
When it comes to the reimbursement claim, one has to initially pay for the treatment and file for reimbursement later. When filing for a claim, produce all the medical bills and various other records that show the money has been spent on treatment and hospitalization. If the pre-authorization as per the cashless claims procedure is denied or the treatment is taken in a non-network hospital. If one does not wish to avail of the cashless health insurance facility, then follow the steps below for the reimbursement claims procedure:
Claim Type | Time Limit Prescribed |
Reimbursement of daycare, hospitalization, and pre-hospitalization | Within 30 days of discharge date from the hospital |
Reimbursement of post-hospitalization expenses | Within 15 days from post-hospitalization treatment completion |
*Standard T&C Apply Follow the steps carefully and get the mediclaim insurance policy claim approved. Please note to keep the documents safe. The insurer might ask for any documents during the insurance claim process of the mediclaim health insurance policy. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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What makes our insurance unique
With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144