How to claim your covid insurance? – Financial assistance article from DrZuhdy.com. The coronavirus has been affecting almost every aspect of life. This virus has been taking so many lives. This is why many insurance companies launch their coronavirus insurance programs. Basic health insurance plans generally cover hospitalization expenses, including pre-hospitalization and post-hospitalization expenses. However, you should know that the coronavirus is an uncharted territory for all insurance providers and policyholders. So, the rules for claiming the insurance are not exactly the same as regular plans.
If you want to know how to claim Covid insurance, the best way is to contact your insurance provider. But generally, you can get the claim in 2 different options, which are reimbursement claims and cashless claims.
Reimbursement Claims
If you are capable of paying your hospital bills upfront, you can seek reimbursement claims. This claim requires you to fill in a form and attach some necessary documents, such as the hospital bills, discharge summaries, and so on. It also requires you to fill in your acknowledgement number that the hospital gives to you, for the form. Or, you can also opt for uploading your documents online on the official website of your insurance provider. Their official website is where the authorities scrutinize them before processing the amount.
Nowadays, people prefer online uploads and TPAs are encouraged to process the amount as soon as possible. A cancelled check or insurance clearance form is enough to instruct your insurance provider to deposit the amount in your account.
Cashless Claims
A lot of people favor a cashless claim since the process is smooth and lack of hassle. The process involves only your insurance provider and the hospital where you were hospitalized. In order to obtain your cashless claim, you just need to contact the representative or insurance customer care of your insurance provider. Then, you have to register your cashless claim by entering your customer ID and hospital details. However, you have to make sure that the hospital you choose is included as a network hospital of your insurance provider so that you can get your cashless claim.
Once you have registered, your insurance provider will contact the hospital and the latter will send necessary documents. Then, insurance authorities will scrutinize your hospital bills and other relevant documents before they process the amount. If the hospital bill excesses the coverage amount, you have to directly pay the hospital from your own wallet.
Those are the ways on how to claim Covid insurance. Once again, you have to remember that the regulations, rules, steps to get the claim may be different for each insurance provider. This is why you are suggested to contact and speak to the representative of your insurance provider in order to find out their own regulations regarding to Covid claims. As it is said before, the coronavirus is an unexpected, uncharted territory.
That is information about how to claim your covid insurance. Besides insurance providers, the way to claim Covid insurance might also be different based on the regulations of the state where you are living. Contact your local authorities in order to know further information.
Also read: How to Get Covid-19 Financial Assistance
