Factors like lack of nutritious meals and pollution have made a large portion of the urban population more prone to diseases than people already are. For this reason, more and more people are visiting doctors, getting newer procedures done, and exploring medical treatments, following the logic of demand and supply that the world works on, leading to high medical expenses. Once you notice how expensive it has gotten to get medical treatment, you are likely to feel reluctant to visit a hospital for even the gravest of the medical issues. However, there is a solution to this situation. That solution is health insurance. Now you don’t have to go to the insurance office to file a claim, and now you can file a claim through ICICI Lombard’s health insurance app easily.
Health insurance is a type of insurance that covers medical expenses. It is mainly used so that illness or injury does not flip a person’s finances and life upside down. Because it offers an alternative to high medical costs, it is prevalent despite not being mandatory. Health insurance companies charge a premium for a policy that gives you financial coverage in the case of medical emergencies. All you need to do is raise a claim. As it is such a beneficial product, employers are also offered to their employees.
However, before you can enjoy the benefits of this policy, there are a lot of formalities to complete and a lot of things to know. If not completed in time, it could lead to troubles with the claim. Hence, here are a few tips to remember to make claims with your employer easier:
Keep your family’s profile up to date
When offering you and your family health coverage, any employer’s first thing is to take all the relevant information. This includes getting personal details about you and your family and creating a profile. Initially, the insurance that your employer offers already includes your spouse and your children. However, you can later add your parents to the coverage if you want to. Based on what information you provide, the company will create a profile and offer you the range. This profile needs to be accurate for you to make claims when needed. Hence, the moment you receive an employee ID for your insurance portal, make sure to check if your family’s profile is up to date. If it is not, add all the new information that needs to be there.
Know your coverages
Every health insurance policy has a list of coverage inclusions and exclusions. This differentiates each insurance policy from another and each insurance company from the next. Hence, you should know your coverage before claiming your company’s medical insurance. This helps you avoid a situation where your claim for a medical emergency is denied because you claimed for something not included in your plan. Hence, read the coverage-related terms and conditions carefully in your company’s insurance handbook.
Get the E-card
A big part of the company offered health insurance is a third-party administrator (TPA). When an employer provides health insurance to all their employees, they outsource the management and processing of all insurance-related actions to another organization. This organization is known as a third-party administrator.
Once your employer issues you the health insurance policy, you would have to do it through the third-party administrator any time you make a claim. For this, you will be given a TPA card. You will also be given a digital copy of it, known as an E-card. When you make a cashless claim at the hospital, you will have to show this card to the TPA department at the hospital. Hence, it would help if you remembered to take this card from your employer. Remember to take both the physical TPA card and the E-card. If you end up misplacing or losing the physical copy of your TPA, you can submit your E-card. You will have to submit an ID proof along with your E-card as well.