National Health Claim Process is an easy, hassle-free method of making a claim for your National Health Insurance Policy. The insurer provides two methods of claim process - reimbursement and cashless. You can also make the claim online.
Claim Process:
Keep all your documents and details ready:
Always carry and use National health insurance Card
Provide your Identification details: Name of the insured, contact details, policy number, Passport/voter’s Id/PAN card at the time of claim
Here’s the step-by-step process to lodge a claim. Understand Do’s and Don’ts’ to ensure your claim gets approved.
Note:
For any claim to be processed and approved you need to lodge a claim by intimating the company. It is advisable for speedy claim support contact directly instead of an email.
Cashless Claim Process
It gets you covered with the medical expenses of any treatment for sickness, illness or accident provided the treatment is carried out at the listed National Insurance Network Hospital.
On approval of the claim the medical bills are directly paid by the National Health Insurance to the hospital.
Important documents and details to be provided at the time of claim:
Policy Number, Policyholder’s/ Insured’s Name
Contact Details of the Claimant/ Policyholder
Name of the Insured/ Claimant
Hospital Details
Nature of Ailment/Details of the Accident (Commencement date of the symptoms & related details)
Reimbursement Claim Process
The policyholder needs to pay all the medical cost first and later National Insurance will reimburse the same. All the medical expenses bill are required to be submitted to get the reimbursement.
In case of a reimbursement process, it is not mandatory to get treated in the National Insurance Authorized Hospital. The treatment can be carried out in any registered hospital.
Important documents and details to be provided to get reimbursement:
Claim Form duly signed by the Insured
Photocopy of ID Card
Photocopy of policy certificate
Original discharge card/summary, Original hospital bills
For consolidated amounts, a detailed breakup of the amount
All investigation reports and bills in original supported by a note from the attending doctor/surgeon recommending such investigations
Surgeon’s certificate stating nature of surgery performed, bill and paid receipt
Attending doctors/consultants/specialists/anesthetists bill, receipt and certificate