Medical insurance is taken out so that incase the insured need medical attention the costs may be covered by the insurer. The patient is now able to get well faster and worry about nothing when they have the policy since all the hospital costs are covered. 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. An insurance claim is used to settle the doubts and become evidence for the transaction. There are however two ways to submit a claim and the first is when you fill in the claim form and send it yourself to the insured. Secondly, the medical service provider can use the direct link they have to the insurers network and submit the claim electronically on your behalf and is the most convenient option.
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. The original receipts are attached to the claim form which also holds the details of the insured. The details that are located on the claim form are the insurance policy number, the name of whoever received the services and the cause for the medical attention.
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. The online method presents advantages like because it is safer, faster and convenient.
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 copies are also essential because they are used in a court of law in instances where the insured is sued for failing to pay. Reviewing and sending is the final step. Prior to reaching the insurer, the document is made accurate enough by correcting all the mistakes that are there. The document is supposed to reach the insurer and to make sure it does the address is counter checked.