Health insurance is a cover that protects you from the financial strains that occur when you or a loved one falls sick unexpectedly and requires expensive treatments. Every patient must have access to high-quality health care.
A health insurance policy is a contractual agreement between a policyholder and the insurance company that covers any expensive and unexpected health care costs. It is a requirement to pay monthly premiums to cover the risk if you get sick unexpectedly.
Getting a Disability Eligibility Services provider is a great way to safeguard your future and relieve you of the financial burden of expensive medical costs.
Although an insurance policy creates an opportunity for you to receive cashless treatment, some facilities do not offer this feature. A patient will need to pay at that time but expect reimbursement upon discharge. These are some of the most crucial things to have after being discharged from the hospital to help you claim your insurance and collect compensation:
- Ensure you get your discharge summary
A discharge summary is a crucial document that lists documents that list essential information about you and your entire treatment. Some of the details in a discharge summary include your name, age, diagnosis and treatment is done. Moreover, all medications used during treatment are listed down in the discharge document. If you need a further course of treatment, your doctor will put it down in your discharge summary.
As soon as you receive your discharge summary, ensure that you take a photocopy because you cannot risk losing the information on it until the claim is passed off.
- Save all your bills and receipts.
One of the most important things to be aware of during your entire hospitalization is where our money goes. The most common expenses will be the room rent, procedures, medicines and injections. Make sure you keep an updated memo for every service you receive in exchange for money.
During discharge, have all your bills and notes together in one place, ensuring that they are dated correctly with the necessary details to prove their authenticity. Most insurance companies will not accept handwritten bills. Therefore it is crucial to have only computer-generated accounts.
- It would be best if you had your claim form ready to go
The insurer will need a copy of your health insurance claim form. Most policyholders attach all other relevant documents to this form before passing it to their insurer. You should have a duly filled claim form ready.
Do not wait to be discharged to fill your form. Upon filling in crucial details and assembling all other necessary documents, pass them on to the insurance company to request reimbursement.
- A medical certificate is a must-have
Ensure that you request that the medical care provider in charge of your condition develop a medical certificate for you. This document usually specifies the reason for your visit. Additional information like the length of your hospitalization is crucial for your insurer to establish the authenticity of your health insurance claim.
These documents create a pool of evidence for the insurer to retrace through. Ensure your doctor issues your medical certificate to you for insurance claim sake.
- You should get an FIR or Medico Legal Certificate (MLC)
An FIR is a necessary document to fill in if you were involved in an accident and ended up getting hospitalized and receiving emergency care. Your loved one should fill in your name for you in the FIR or Medico-Legal Certificate and then obtain them during your hospital discharge. Insurers require policyholders injured in accidents to produce these documents before granting reimbursement money.
You cannot receive compensation if you do not have an insurance plan. Health insurance policies are there to keep you and your loved ones secure and ready for unexpected medical expenses. However, you cannot benefit from the reimbursement if you do not access the things mentioned above.
Therefore, ask your health care provider to grant you all the necessary documents and make copies of each document for safekeeping. These essential documents will make your reimbursement process smooth and ensure that you end up getting the compensation you need. Find a trusted insurance company and register for a health insurance policy to cover your future medical expenses.
