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3 November 2022

Learn How To Claim Your Aditya Birla Health Insurance Online

With almost every industry going digital, even insurance companies in India have found a way to reach out to insurance seekers online. Health insurance is an indispensable instrument for every individual in a world where the cost of health care services is skyrocketing almost every day.

While there are many health insurance companies, some, like the Aditya Birla Health Insurance Company Limited, offer comprehensive medical policies that are conveniently accessible at your fingertips. Here’s a brief on how to claim your health insurance online with this provider smoothly and hassle-free.

Tips for claiming your Aditya Birla health insurance

Sometimes claims incongruent with policy terms or without supportive documents are rejected by insurance companies. You should know the coverage and rules of the policy well before filing an insurance claim. Here are some pointers before claiming your Aditya Birla Health Insurance.

Keep your insurance company informed

Before you raise a claim, inform your insurance company of the details of your treatment before being admitted to the hospital. In an emergency, you can inform your health insurance provider within 24 hours of hospitalization.
Keep all your documents handy

A soft copy of all documents such as insurance-related, doctor prescriptions, receipts, discharge papers, and other relevant documents should be kept handy and submitted online along with the claim.

Take note of the procedures

It is essential to follow all the procedures accurately when you file a claim form. The form is available online at the official website of Aditya Birla Health Insurance company. All you need is to simply fill in all the details required and submit the form.

You can check the insurance papers carefully to ensure that your bank details are updated to avoid unnecessary delays in the claim. Note it is essential to submit the insurance form and all required documents as soon as you are discharged from the hospital. It might take 45 days for the claim process to be completed.

Claims allowed by Aditya Birla Health Insurance

Cashless claim

The cashless claim option offers Aditya Birla health insurance policyholders the benefits of being admitted to a network hospital. You won’t have to pay any bills against your treatment at the hospital, and the bill will be settled mutually between the hospital and the insurance provider.

However, you will be required to provide insurance documents to the hospital at the time of admission to avail of this facility. You can also contact your insurer to confirm if your hospitalization is pre-planned.

Reimbursement claim

You can avail of the cashless claim facility at a hospital on the insurance company's network. For claims against non-affiliated hospitals, you will have to request a reimbursement claim. It requires the insurance holder to submit all hospital documents, including bills, reports, etc., to the insurance company post-discharge. Once the claim is approved, the provider will reimburse the money.

Things you need to consider when initiating an insurance claim

Whether you are applying for a claim on health insurance for senior citizens or yourself, specific requirements must be taken care of. You should make sure you have all these details ready.

- Policy number of your Aditya Birla Health Insurance

- Health insurance card

- Personal information of the policyholder, including address and contact details

- Personal details of the medical professional

- Reason for your required medical care

- Information regarding the hospital where the policyholder has been admitted and the date of admission.

Note that the claim is to be made at the earliest. Moreover, you should be prepared for a waiting period of 30-45 days after you make a reimbursement claim. A few things excluded from your claim include any laundry bills, telephone bills, etc., as there are typically not covered in the policy.

Steps to claim your Aditya Birla Health Insurance

You can claim your Aditya Birla Health Insurance in just three steps:

Step 1: Inform the company about your hospitalization

If there’s an emergency, you can inform them within 48 hours of being admitted. For a planned hospitalization, the insurer requires you to let them know three days before admission. Upon admission, you can pay directly to the hospital as per the hospital’s standard processes or check with your provider for pre-authorization.

Step 2: Submit all your documents

You can collect all the relevant documents as required by the insurance company in original from the hospital. These documents can be sent to the company within 15 days of your discharge at their nearest branch offices.

Step 3: Wait for the claim to be processed

Once the company receives the required documents, they will review them as terms and conditions per the health insurance policy. As soon as the formalities are completed, you can expect your claim to be processed at the earliest.

The online claim process has made it much easier for anyone to access the benefits of their health insurance e-policy, as it can be initiated anywhere, anytime.

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