Medical insurance is taken out so that incase the insured need medical attention the costs may be covered by the insurer. This policy is meant to settle the mind of the patient to enable them get well faster because they don’t have to think about the costs. The costs are distributed between the two parties by terms that were designed and agreed upon entering the contract and act as guidelines.
As soon as the contract has been entered into, it is required that the insured pays a periodical amount of premiums to the insurer. The insurer hence honors the agreement when they pay up the medical bill of the insured when they need medical attention. This now calls for the settlement of a claim for the insurance to be evidence for the transaction. Filling in the claim yourself and sending the paper work to the insurer is one of the two methods there are of treating a claim. The second method is the most convenient one where the medical service provider is linked electronically to the insurers network and they submit your claim there.
The filling of a claim is done on a number of steps. The first step is Obtaining the receipts from your hospital. The amount that the hospital is seeking for as payment for the treatment of the services is what the receipts are used to evidence. The original receipts are attached to the claim form which also holds the details of the insured. The insurance policy number, the name of whoever received the services and the cause for the medical attention are the details that are located in the claim form.
Filling in of the claim in the claim form is the second step. The insured can source for the claim either from the insurer themselves or just download it from the website. Consequently, one can fill in the claim online and submit it there because its’ easier. The advantages of that is that it is faster, convenient and it is safer.
All that is sent to the insurer is copied as the third step. In case the other party loses documents, one will have evidence. In case the user fails to pay up what they owe, then they can be sued and these copies are used as evidence in a court of law. Reviewing and sending is the final step. Prior to reaching the insurer, the document is made accurate enough by correcting all the mistakes that are there. The address of the insurer too is counter checked to ensure that it doesn’t go to the wrong party.