The process of filing a health insurance claim can be extremely overwhelming. Generally, the claim forms are complicated. Hence, even with all the help online, a majority of people find filling up these forms correctly a challenge. So, if you too are struggling with filling a health insurance claim form, don’t worry. You need to focus on these 4 key points.

1. Treatment Category

Standard health insurance claim forms, classify treatments as illness, injury or maternity. Claimants are often confused between the first two subcategories. Illness comprises medical management cases, day-care procedures and surgeries. The supporting documents required for each of them are different. 

Injury includes self-fall, drunk and driving accidents, assault, poisoning etc. It matters if the police were involved or not, i.e. an FIR was filed or not or whether the hospital registered it as a medico-legal case. You are required to provide appropriate and sufficient documentary proof to support your claim if claiming under this subcategory. 

2. Claim Amount 

A majority of people claim an amount which doesn’t match their hospital bill value. This may be due to certain discounts which aren’t highlighted in the bill or if the person is claiming only partial amount of the bill. To avoid making mistakes, list down all the bills you want to claim and add up their total value. The claim amount must match this total value. All the supporting documents should be submitted as evidence. Even payment receipts should be submitted wherever possible. If the bill and receipt amounts differ, justification from the hospital should be documented with the claim. 

3. Bank Details

Mostly, the claim is always in the name of the primary policyholder. The person whose name is registered on the policy by the insurance company is to be filled in the slot of primary policyholder name. Remember, the name should be consistent in the KYC and all the bank documents. 

For individual retail policies, the proposer in the policy is the primary policyholder who himself or herself may not be covered in the policy. For corporate policies, the employee is the one who is primary insured or the primary policyholder. The claim amount is reimbursed in the primary policyholder’s account. Many people mention the patient’s bank account details even if he or she may not be the primary policyholder. This delays the claim process as the insurance company raises a query with the bank regarding the mismatch between the names of the account holder and primary policyholder. 

4. ID Numbers

Generally, insurers tag a claim to the customer with the help of an ID number. People collect several insurance cards over years. Often they enter old ID numbers instead of the number of the period for which they are claiming. Also, a majority of corporate employees enter their employee ID instead of their health insurance ID number. They also forget to link the claim form to their corporate name. To avoid making mistakes in this field:

• Ensure that the insurance card is of the period for which claim is to be filed. You can also call the customer care helpline of your insurance company. If their executive identifies the patient name with the provided ID number, it means that the number is correct.
• If you are mentioning your employee ID, remember to mention corporate name somewhere on the form in a way that it is visible. Although, this might be a risky way for filing claim. Hence, always prefer to mention your correct insurance ID number only. 

These 4 are the most common areas of mistake due to which health claims often gets rejected or delayed. If you understand them better, you are less likely to make mistakes. If you still lack confidence, you can always seek expert help.

Author Bio:

Anuj co-founded SureClaim to fix the broken claim experience of insurance customers. He believes technology can play a major role in empowering customers. His understanding is shaped by his decade long stint in healthcare and health-tech companies.

Death certificates​ have always played an important role in sorting paperwork relating to the family concerned. It is one of the most important documents assisting with the fast-tracking and sorting out some of the diligence concerning the death, including religious rites, burials or cremations. 

Death certificates help with a lot of the following 

• Proving that there was no foul play at the time of the death 
• Stopping work or commercial deliverables that an individual received like pension or relief in their old ages 

• Receiving an insurance claim so the family doesn’t have to go through the financial burden on losing someone close 

• Receiving the green light for religious burials or cremations 

Death certificates​ have recently been in the news for a lot of reasons but the main one being the delay in applying and receiving them. At an age where everything is handled by the touch of a button without even having to leave the house, having to stand in a line for a death certificate doesn’t seem feasible. 

There have been instances where loved ones have had to wait with the body of the deceased left in a morgue since there were issues and delays with the release of the death certificate. One can only imagine how an unorganized system can cause so much hardship to someone who is already going through a difficult time. 

There have also been instances where people who have not passed away are marked dead through goof-ups in the paperwork and improper verification processes caused due to human error. Furthermore, these issues can be easily avoided if the entire system was automated to a point where there were checks and measures to go through the content and documents being uploaded. This would also free individuals to handle more important and relevant tasks thereby fast-tracking the entire system. 

None of the above points are reasons why applying for the death certificate should be delayed or go through a process that generally takes that long. The system was a decade behind in getting an overhaul and in recent years, it has received one. 

The entire application for a death certificate system has been taken online with people being able to do that in almost no time. The application process is now so simple, if you have all your documentation and the right clearances through the medical institute that rules our foul play, you could apply for a death certificate immediately. This makes the entire system a lot more feasible since it can be handled from home, which is better than having to travel all the way to the office, multiple times if the documentation does not add up or something is missing. 

People can now log into a website and provide all their information and the details of the deceased individual thereby applying for a death certificate. They would also receive information like the list of supporting documents to be uploaded and can then work on collecting that information without having to figure additional changes after initiating the process. This digital and systematic system allows for a better process which being streamlined is automatically a lot faster and more efficient.