How To Check Your Health Insurance Claim Status Online?

A health insurance coverage covers your medical expenditures, whether they are related to a pre-existing medical condition or an unexpected event. One of the most significant features of health insurance is the claim procedure, which provides strong financial assistance and other amenities. The insurance company is not responsible to cover your medical expenditures unless and until you submit a claim to get your guaranteed sum assured amount.

The claim procedure, however, does not conclude with the filing of a claim form. Since there are many possibilities that could make a significant contribution to the handover of your claim amount to someone else, inaccurate rerouting of finances, a request from the insurance provider, or disapproval of the ID that you have provided, you must send certain documents and be proactive in the claim process. To know more about how to check health insurance claim status online, read on.

Process Of Claim Settlement In Health Insurance

First and foremost, you must select a health insurance company. The claim settlement ratio of the insurance you pick should be favourable. You won't be able to receive the claim unless you select an insurance with a good claim settlement track record. When comparing and purchasing health insurance, don't make your selection just on the basis of the policy's cost. Consider the insurer's reputation and credibility as well, since this will benefit you in the long term.

Using your health insurance coverage to file a claim safeguards you against any financial losses that may arise in the event of a medical emergency. Either cashless or reimbursement claim settlement systems have the same goal, however in the instance of a cashless claim, the insurer pays the hospital directly and the consumer does not have to pay anything out of pocket. However, in the case of a reimbursement claim, the customer pays the entire cost of medical care, and the insurer then sends the insurance claim to the policyholder's bank account based on discharge documents, receipts, and prescriptions, among other documents.

How To Check Health Insurance Claim Status Online?

With the aid of the internet, checking the status of a health insurance claim has become a simple and painless task.

Following are the steps that are to be followed to check a person’s health insurance claim online-

1. Go to your insurer or insurance company's official website.
2. On the website's home page, click the 'Lodge a Claim' icon.
3. Choose the 'Track Claim Status' option.
4. Click 'Submit' after entering the relevant information, such as the customer ID, policy number, phone number, and name.
5. Your claim settlement request's status will be shown on the web.

In case, a person is unable to check their health insurance claim status online, they can follow the steps below to check their health insurance claim offline -

1. Go to your insurance company's local branch or office.
2. You may also inquire about your claim request by calling their customer service or toll-free number.
3. You can also confirm the claim process request by sending an email to the insurer's official email address.

You must also supply some basic information to the insurer when making an offline enquiry, such as your customer ID, policy number, name, and so on.

Some health insurance companies have improved their customer service by allowing you to enquire about the claim settlement status of your purchased health insurance policy via SMS or live chat. You must offer the customer support service with basic information such as your name, policy number, customer ID, and so forth, and the insurer will generate your claim status.

Endnotes

To ensure that the procedure runs smoothly and without hiccups, you must maintain track of the progress of your health insurance claim. To minimise any confusion during claim settlement, you must carefully study the terms of service of your policy. Your claim request would not be approved by the insurance provider if it seeks something that is not covered by the policy's conditions.

Also read - 10 Reasons Why You Should Purchase A Health Insurance In Your 20s

Disclaimer: 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.