Medical insurance is taken out so that incase the insured need medical attention the costs may be covered by the insurer. This policy is meant to settle the mind of the patient to enable them get well faster because they don’t have to think about the costs. The insurer and the insured at entering the contract specify terms and these are what determine what part of the costs is to be covered by each party.
Periodical premiums are paid to the insurer by the insured once the contract is entered into. The insurer hence honors the agreement when they pay up the medical bill of the insured when they need medical attention. Evidence for the transaction is made when one drafts up a claim. Claims are treated in two main methods and the first is filing the claim yourself and send it to the insured. The medical service provider using the direct electronic link to the network of the insurer and submit the claim for you is the second option and the most convenient.
The filling of a claim is done on a number of steps. The first step is Obtaining the receipts from your hospital. Evidence of the receipt is to show the amount that the hospital wants for the services. Personal details of the insured are filled in the claim form which is then used to attach the original copies of the receipts. The insurance policy number, the name of whoever received the services and the cause for the medical attention are the details that are located in the claim form.
The second step is the filling in of the claim in the claim form. The insured can source for the claim either from the insurer themselves or just download it from the website. The simplest method nowadays is to fill in a claim form online and submit it there. Speed, safety and convenience are the reasons why the online method is preferred.
The third step is making copies of all what you send to the insurer. That will ensure that you have evidence in case the other party loses. The court demands for these copies in case the insured sues the insurer for failing to settle the claims. Finally one has to review and then send. The document is made accurate because mistakes are noted before they reach the insurer. Ensuring that the document doesn’t go to the wrong party and instead reaches the insurer also happens by counter checking the address.