Over the years, cashless Mediclaim has become a popular option amongst people. In fact, for most people health insurance remains synonymous with cashless Mediclaim. Given the soaring popularity of cashless Mediclaim, it’s no wonder a large fraction of people, especially salaried individuals; opt for it to ensure comprehensive protection for self and family.
But often, policy holders are required to pay the hospital bills upfront and then file for a claim later. Getting cashless facility becomes even tougher in cases where the hospitalization is for less than 24 hours. But why does this happen? The reason is simpler than you would have ever imagined. Typically, insurers get to pay more from their pocket in the case of cashless insurance. This is because most hospitals charge exorbitant fee, even for simpler procedures, if a patient is insured. Most patients do not oppose this as the charges are not to be borne by them, but the insurance company. This is the reason why most insurers do not like cashless facility and offer discounts to those who don’t opt for cashless facility in their health insurance. Here’s a common scenario! Many people with cashless mediclaim avail the hospitalization and medical treatment costs out of their own pockets and file a claim with their health insurance companies later. But you’ll be surprised to know that a fair share of those claims is rejected. Why is that? This is due to the lack of proper documentation. We’re sure you’re wondering: “What are the essential documents that I require to successfully file a claim for cashless mediclaim?” Well, brace yourself, we’re going to present to you three vital documents that you must have ready when filling for cashless mediclaim reimbursements. So, let’s begin! Shall we? 1. Hospital Admission Advice - The very first document on this list is the admission advice from your consulting doctor. Do well to procure an admission advice that specifically states that you or the patient is required to be admitted to the hospital for treatment. What if there has been a medical emergency situation and the patient has already been admitted to the hospital without an admission advice? Well, in cases like this, you may ensure keeping the prescription from the consulting doctor at hospital’s emergency facility handy with you. Don’t forget to attach this document along with your claims form to ensure hassle-free claim for your cashless mediclaim. 2. Discharge Invoice/Summary – The second most important document that you must keep handy with you to facilitate claims for your cashless mediclaim is the discharge slip or summary for the hospital where the patient was admitted. Make sure to collect a detailed discharge invoice or summary that categorically states the time frame for which the patient was hospitalized, what the medical procedure/treatment that he/she availed, how is health of the patient now and when has he/she been discharged from the hospital. 3. Fitness Certificate – The third and the most important document that you would need to keep handy with you to successfully file for mediclaim reimbursements is the fitness certificate from the consulting doctor. The fitness certificate must clearly state that the patient who was admitted at the hospital (name of the hospital) is fit and fine after going through the medical procedure/treatment at the hospital. In addition, the document must also state if the patient has been advised bed rest, or any medications by the consulting doctor. Don’t forget to ensure the time-frame in case the patient has been described with bed rest. Over to You! Remember, bills and receipts of the hospitalization and medical treatment aren’t the only set of vital documents that you need to keep handy for reimbursements for your mediclaim. You’ll also need to ensure the three above mentioned documents to get your claim successfully processed and settled by your health insurance company. In fact, your health insurance company wouldn’t even entertain your claim if you do not have these three documents with you. So, whenever you plan to avail cashless mediclaim facility, do ensure these three simple documents to facilitate your claim procedure, without having to run from pillar to post.
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