If we consider how expensive medical treatments have become, facing a medical emergency can be a severe financial burden. In particular, older people face ageing-related health risks. So, they require quality medical care and the right health insurance cover that provides vital financial support, especially when income sources are limited. Many health insurance providers like Care insurance offer customised senior citizen health insurance plans designed to cover various medical expenses of those above 60 years.
In case of any emergency or planned hospitalization, one may need to file a claim with the insurer. Hence, it is crucial to understand the claims procedure to avoid any delays or hassles at the last minute. Moreover, when looking for the best medical insurance for senior citizens, checking for the cashless claim facility is one important point to remember.
Steps to File a Claim for Senior Citizen Health Insurance
The policyholder can either make a reimbursement claim or opt for the cashless facility.
The cashless claim is applicable only if the treatment was received at a network hospital. Here are the steps involved:
- Select any network hospital for cashless medical treatment
- Approach the insurance desk and show your health card
- Submit the duly-filled pre-authorization form
- The insurer will approve the claim after verifying the documents
In case the cashless claim is rejected, one can continue the treatment and file for a reimbursement claim. Also, it is advisable to study the policy documents and network hospitals list when buying a policy. Opt for an insurer with a wider network of hospitals. Care insurance has over 8350 network hospitals.
Further, the insured person must be aware of the specified time frame for informing the insurer about the hospitalization. If it is a planned treatment, one should notify at least two days before admission to the hospital and within 24 hours in case of emergency hospitalization.
In case the policyholder chooses a non-network hospital for getting treatment, he or she has to bear the medical bills from the pocket. The person can then file a reimbursement claim under a senior citizen health insurance plan. Given below are the steps:
- Fill and submit the reimbursement claim form
- Provide all the mandatory documents to the insurer
- The insurer will analyse the claim and verify the documents
The expenses will be reimbursed as per the policy terms and conditions. In case of rejection, the reasons will be communicated to the policyholder.
Documents Required for Filing a Claim
While opting for medical insurance for senior citizens, one should read the policy documents and check with the insurer to know the documents required for ensuring a smooth claims procedure. The insured must submit important documents, as specified, including duly-filled and signed claim form, Health Card and identity proof, original medical bills, diagnostic test reports, and other relevant documents.
Conclusion
When caring for elderly parents at home, a health cover is essential. Look for the best medical insurance for senior citizens, which provides comprehensive and affordable coverage. Besides, it would come with policy benefits, such as in-patient hospitalization, pre & post-hospitalization benefits, daycare treatments, annual health check-ups, domiciliary hospitalization, and alternative treatment.
Care for Senior Citizens by Care insurance is a health cover that is a suitable option for elderly parents. You can visit the company’s official website and get the policy online.
With the right health insurance plan, take a step to secure your parents’ health today!