The COVID-19 pandemic has been revealing for several reasons, but at the same time it also made us realize the importance of having health insurance. Health insurance provides us with the mental and financial security we so badly need when facing a medical crisis. Many people had health insurance plans before the outbreak of the pandemic, and many took the spread of the disease later. But most of them are unaware of the procedure and requirements for filing a COVID claim.
It is important to be well informed about the claims settlement procedures related to COVID-19, so that if you or your family members obtain a positive result, they do not run but they focus on the well-being of your family. Here are five things you should know about COVID-19 claims:
Perform your test only in government authorized laboratories
Laboratory tests are necessary to determine the presence of new coronaviruses in the respiratory system. There are government-designated laboratories and private laboratories approved by the Indian Council for Medical Research (ICMR) to perform COVID-19 tests in India. Private laboratories will perform tests only when prescribed by a qualified physician according to ICMR guidelines. When submitting the claim, be sure to send the test report obtained from a government-authorized laboratory along with an appropriate prescription from a qualified physician who recommends the test to avoid any further inconvenience.
Specify the nature of the treatment
Some private hospitals have begun offering home care packages for COVID-19 treatment. If your doctor recommends this mode of treatment for you or your family members, ask your insurer if they cover home care costs. As a general rule, a regular indemnity-based health policy reimburses hospitalization expenses as well as listed day care procedures up to the insured amount. The insurer should be informed of the nature of the treatment performed, whether under home care, quarantine, or hospital treatment to avoid confusion during reimbursement. The insurer will evaluate the claim according to the terms and conditions of the policy under which the insured is covered.
Present expenses before and after hospitalization
Under your policy, you are covered against pre and post hospitalization charges, ambulance charges, and treatment costs for coronavirus-related symptoms. Be sure to send all pre-hospital consultation documents and post-discharge follow-up treatment along with bills.
Keep your discharge summary handy
Today, people are buying COVID policies in addition to their existing health policy. It gives the policy holder the benefit of filing claims on one or more policies. If the claim is under a benefits policy that has a higher benefit for admission to the ICU, the discharge summary should specify the number of days spent in the ICU and a standard room.
Whether you choose a specific COVID-19 policy or a comprehensive health insurance plan, or even if you already have a health insurance policy, be sure to inform your insurance provider if you are diagnosed with coronavirus. It will help them quickly address and resolve the claim.