Tips To Make Health Insurance Claim Hassle Free

Health insurance claims may often seem to be a tedious process. Lengthy paperwork, numerous medical bills, and yet it may at times remain unsettled. To reduce discrepancies, avoid rejection and make your health insurance claims hassle free, here are some quick tips.

1) Explore your policy at the time of purchase

A very basic thing to be done for a hassle free claim is to know and understand your health insurance policy. And this is to be done, not at the time of a claim, but right at the time of your policy purchase. Different health insurance policies have different features and benefits. It is important to understand the policy you are buying; what exactly you are entitled for, the medical conditions and procedures you would be covered for, and what the policy excludes. A clear understating of the policy tells you how to make a claim and what could be done when a medical emergency strikes.

2) What is your insurers track record?

When purchasing insurance it pays to check on your insurer s track record. Check on his settlement ratio. Higher the ratio, the better his efficiency in settling claims, handling the process and in customer servicing. Such an insurance company makes your job easir, without much of harrasement when handling a claim.Do a compartitve study of the various insurers before taking a plunge.

3) Disclosures to be complete

From the time you fill up your health insurance proposal form, till submission of claims, it is vital to make accurate and complete disclosures. There should be no ambiguity when it comes to disclosing details regarding age, medical history, present health condition, family medical history and habits. Wrongful/incomplete disclosures would give rise to delay or even rejection of your claims.

4) Use network hospitals- Makes your job simpler

All insurance companies have a list of panelled hospitals across India. It saves you time and energy, to use these network hospitals. Remember cashless benefits are offered only in network hospitals.

Also See: Four insurance policies everyone must have

Four insurance policies everyone must have[2][1]

5) The cashless benefit

Cashless facility in health insurance plans are truly a convenient facility. It pays to opt for these benefits as they reduce a lot of paperwork. In cashless benefits you get cashless treatment at the network hospitals of your insurer. All that is needed to be done is to complete a request form and submit at the hospital, along with the necessary medical records. Once the TPA approval is through, you get your medical treatment, without having to make immediate payments. This facility saves the trouble of filing for claims, up to a certain limit.

6) Know the deadlines and time frame

One of the important reasons for delay in settlement of claims is non adherence to the stipulated time frame during which claims are to be submitted, along with the necessary documents, to the insurer. Post hospitalisation, it is important to submit all documents in an orderly manner on time. In general the following documents would have to be submitted for a health insurance claim Complete claim form attested by the doctor treating you A summary of the discharge report Bills and receipts in proof of payments made to hospital Laboratory and diagnostic reports such as X-ray, scans, etc…

A Final Word

Insurance is based on the principle of utmost good faith. It is a faith that insurance companies have on the insured that his disclosures are complete and true. Just as important it is on the part of insurance companies to make the entire process simpler and provide all the necessary support to the insured, it is the duty of every insured, to be honest in his declarations. Many a rejections could well be avoided if one abides by policy guidelines and regulations.

For a hassle free health insurance claim, know your rights, follow the regulations and take certain precautions. This would definitely not give insurance companies a reason to reject your claim.

The author is the CEO of MyInsuranceClub.com, an online insurance price & features comparison portal For more articles by Deepak Yohannan, please visit MyInsuranceClub.com[3]You may contact him directly on Twitter: @dyohannan


  1. ^ Four insurance policies everyone must have (in.finance.yahoo.com)
  2. ^ Four insurance policies everyone must have (in.finance.yahoo.com)
  3. ^ MyInsuranceClub.com (www.myinsuranceclub.com)

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  1. Reply

    What Are Some Good Health/fitness Tips? Im a fourteen years old and i been trying to lose weight for a month and only loss two pounds and i want to lose a lot of weight before the summer ends (seven weeks)

    1. Reply

      TIP 1. Study.
      Your body has no choice but to follow your brain. So, you should feed your brain a steady diet of good information if you want to be all you can be. It’s YOUR body and it has to last a lifetime so it’s worth the investment. Don’t ask questions of random strangers with no credibility in this or other online forums. Use high quality resources for information instead. The basic principles of health, fitness, and nutrition are not that difficult or hard to understand.

      Avoid the internet unless you’re using trusted sites in dot gov or dot edu domains. The dot coms are usually driven by profit motive and you’ll find bad information in most websties including WebMD, Livestrong, Bobybuilding.com, etc. and especially in this forum and others like it. And, avoid magazine and other cheap commercial informational products about fitness, glamour, muscle building, fashion and fads. Don’t be part of the “herd” unless you want to look, feel, and perform like the “herd”.

      Use books, especially late edition text books on subjects such as nutrition, anatomy, kinesiology, and physiology…especially exercise physiology. You can find excellent information resources at your local public or Uni library or for sale cheap online at Amazon.com and Ebay.com.

      Always follow the science. Use critical thinking. Be skeptical and do not believe anything without cross checking it with trusted sources. Grow your personal knowledge base and everything else will follow with relative ease.

      You have one body and it has to last a lifetime. It’s worth the investment to learn how to care for it properly.

      TIP 2. Don’t micromanage
      Your body is a work in progress. You won’t have your adult body for almost a decade. Don’t try to make changes which may go against nature while nature is developing you physically. Sure, everyone wants to be svelte and fit and so should you. However, you don’t want to try to lose fat, for example, when your body is trying to build muscle unless you are very much over weight. Trying to reduce body fat to 15%, for example, can inhibit the growth of muscle and important tissues. You at the age where eating disorders begin to manifest themselves so avoid obsessing about food, fat, and body image.

      TIP 3. Eat a good and proper diet
      This is easy said than done. Learn to read and understand food labels, count calories, manage macro nutrient ratios, etc. You are what you eat and your long term health and well being are very much dependent on your ability to eat properly for now and the rest of your life.

      TIP 4. Exercise
      Exercise does not have to be work. It can be dancing or walking or swimming or anything that involve low risk, a wider variety of motions and muscle contractions, and elevates your heart rate to 80% of max where max is 230 – your age and sustains it at that level for 20 minutes several times a week. And, build muscle too. Only muscle offers all of the following.
      • Stronger bones & increased mineral density (osteoporosis protection)
      • Stronger body & musculature (improved protection from injury)
      • More robust organic and systemic fitness (more survivable in crisis)
      • Improved cardio-vascular function (better than “cardio”)
      • Higher basal metabolic rate (~5-50 cal/day/pound of muscle)
      • Easier fat loss (more efficient lipid consumption)
      • Greater calorie consumption (prolonged afterburn)
      • Supports body sculpting (hypertrophy)
      • Slows natural loss of muscle mass (sarcopenia) over age 30
      • Minimal wear & tear (low risk)
      It only take a couple of hours of hard work to build strength.

      TIP 5. Be happy
      Manage your stress. Keep your reactions in proper proportion, your negative emotions in check, and don’t be a drama queen. Do those things which bring you happiness.

      TIP 6. Use this website.
      Be sure to bookmark it and use it. It’s been recommended by the people your doctor listens to, US National Institute of Health, and has tons of information about your growing and changing body. –> http://teenshealth.org/teen/

      Good luck and good health!!

      PS: Here are some good websites you may find useful.
      • A MUST FOR DIETERS http://www.freedieting.com/
      • BEST DIET TOOL ON THE WEB http://www.myfitnesspal.com/
      • BEST FOODS FOR YOU http://www.choosemyplate.gov/index.html
      • NUTRITION DOT GOV http://www.nal.usda.gov/food-and-nutrition

  2. Reply

    What Are General Health Tips? What type of diet, how much sleep, how much exercise, etc.

    don’t tell me it depends on the individual because i’m looking for general tips for everyone

    1. Reply

      8 hours of sleep each day minimum

      play ball or sport 3 times a week. you can also go to a gym and do some cardio [run or bicycle]. or go to a swimming pool. what i suggest is get a subscription to a local gym. that means you will go there every week.

      stay away from sugars, animal fat, or industrial food. eat lean foods : beef, turkey, chicken, brown rice, pasta, fruits, vegetables, olive oil. reduce coffee amount. get as much as fresh water as possible. that means bring a bottle of water with you all times.

      of course, if you smoke, it is the good moment to try stopping. let people know about your goals. if you drink hard alcohol, stop also. however, red and white wine is good for you so a glass once in a while is great, for these parties.

      eat slowly. if you eat too fast, try to appreciate what you eat.

      go to the countryside every 6 months.

      stay clean and shower everyday.

      laugh. smile. jump. play like a kid every once in a while.

      have true relationships [true, scientific research shows that peace of mind is healthy for the body too]

      added today 17th: go to dentist every 6 months, and do a general health check with a doctor every year

      final point: scientific research shows that the only way to live longer is to eat less everyday [meaning you need to have that light hungry feeling after a meal] and sexual abstinence. I am not sure everyone wants that though, it is sure monks live longer, but it is “healthier” to live life at its fullest

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